Shivers & Associates Insurance Agency, LLC

Shivers & Associates Insurance Agency, LLC As an independent agent, we offer a choice of multiple insurance carriers, coverages, price, and more.

Our main focus is to find the insurance coverage that best suits your unique needs and gives you the best options.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an ...
08/05/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

Before the grill is lit and guests begin to arrive, it’s worth asking an important question: If an accident happens on y...
07/28/2026

Before the grill is lit and guests begin to arrive, it’s worth asking an important question: If an accident happens on your property, is your current homeowners coverage prepared to respond?

Swipe to see some insurance considerations to keep in mind before you host a party this summer.

If you are planning to host this summer, now is the time to review your coverage and identify any gaps. Give us a call today. We’re here to help make sure you’re ready to welcome guests to your home this summer.

Summer calendar filling up? Before the weekends start flying by, it’s worth doing a quick summer “toys” insurance check ...
07/15/2026

Summer calendar filling up? Before the weekends start flying by, it’s worth doing a quick summer “toys” insurance check to ensure your summer adventures don’t come with an expensive surprise. Swipe to see which coverages are best for some common summer rides.

Not sure you’re fully covered ahead of this summer? Call our office today. We’re here to help you enjoy a stress-free, adventure-filled summer!

Summer can be a season of big adventures. However, bigger summers can mean bigger risks too. Whether you are hitting the...
07/10/2026

Summer can be a season of big adventures. However, bigger summers can mean bigger risks too.

Whether you are hitting the road, hosting friends and family, or enjoying a new boat or RV, your personal insurance should be ready to fully protect you.

Not sure your insurance can keep up this summer? Give us a call, and we can talk through any additional coverages you’d like to layer on or new policies you’d like to add to your portfolio.

Cue the fireworks, fire up the grill, and get ready for what might be the most ambitious birthday cake of all time. 🎂Ame...
07/03/2026

Cue the fireworks, fire up the grill, and get ready for what might be the most ambitious birthday cake of all time. 🎂

America turns 250 this year, which means 250 candles on the cake … so someone should probably alert the fire department.

However you’re celebrating the Fourth of July, we hope it’s filled with great food, good company, and a sky full of fireworks.

Our office will be closed on Friday, July 3rd, in observance of the holiday. We’ll be back and ready to help on Monday. Wishing you a safe and happy Fourth!

Summer is here, and many homeowners are either adding exciting features to their backyards or getting them ready for a s...
06/24/2026

Summer is here, and many homeowners are either adding exciting features to their backyards or getting them ready for a summer full of fun.

While additions like pools, playgrounds, trampolines, and more can create memorable experiences, they can also increase your liability exposure. Swipe for a few key steps you can take to ensure you’re prepared for the liability risks associated with common backyard toys.

Summer fun doesn’t have to come with extra risk. Our team can help you review your homeowners’ liability limits, discuss additional coverage options, and make sure required safety measures are in place. Give us a call today, and we can get started.

Here’s the scoop: It’s time to celebrate Father's Day! We wanted to shout out all of the dads, grandfathers, and father ...
06/21/2026

Here’s the scoop: It’s time to celebrate Father's Day!

We wanted to shout out all of the dads, grandfathers, and father figures who make our lives special. We hope that this Father’s Day is filled with quality time, well-deserved rest, and maybe even a couple of dad jokes.

06/16/2026

Hope your summer is off to a great start! Whether you’re enjoying the weather, hitting the beach, or setting off on a summer adventure, we hope this season brings some well-deserved relaxation.

If you have any insurance questions or would like to schedule a policy review, do not hesitate to give us a call. We're here to help!

As the cost of doing business continues to increase, we wanted to share a quick overview of equipment breakdown coverage...
06/09/2026

As the cost of doing business continues to increase, we wanted to share a quick overview of equipment breakdown coverage. This crucial piece of business coverage can help offset the costs related to key systems breaking down.

Swipe for an overview of what equipment breakdown coverage is, how it works, and why it can be so important for businesses that rely on critical pieces of equipment every day.

If your business depends heavily on critical systems to operate, it may be worth reviewing your current coverage portfolio to see what is and isn’t covered. Give us a call today, and we can get started.

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of pr...
06/02/2026

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of preventive screenings included with their health care coverage. Preventive screenings are among the most powerful tools for early detection of serious illnesses, and catching something early can make all the difference.

Here are some key screenings and wellness checks worth knowing about and at what age they start:

✅ Cholesterol checks - These key preventive screenings should start at 17 to monitor heart health and reduce the risk of heart disease and stroke. They’re recommended every four to six years.
✅ Diabetes screening - Diabetes screenings are recommended to begin at age 35 and every three years after, or earlier if risk factors are present, such as family history or being overweight.
✅ Prostate cancer screening - Men should start receiving regular prostate cancer screenings with their doctor, typically starting around age 50, or earlier for those with higher risk factors.
✅ Colorectal cancer screening - For men, a colonoscopy is recommended starting at age 45 for those with average risk and should be repeated every 10 years. The frequency of screening may increase based on your doctor’s assessment of your risk level.
✅ General mental health screening - These screenings are often conducted at annual checkups, at any age. They are a good time to speak openly with your provider about anxiety, depression, or any changes in your mood.

Every man's health journey looks different, so it’s best to talk with your doctor about which screenings are right for your age, history, and lifestyle.

Have questions about what your health coverage includes? Give us a call. We are here to help you make the most of your benefits.

Address

8283 Bosque Boulevard
Waco, TX
76712

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