# Libertas Insurance

> Libertas Insurance (Libertas Group, LLC) is an independent insurance agency in
> Waco, Texas, serving households and businesses across Texas. We compare real
> quotes from A-rated carriers online in minutes for home, auto, and commercial
> insurance, backed by licensed local agents. Producer of record: Kyle Kriegel,
> National Producer Number 20767295. Phone (254) 304-5173.

## Personal insurance
- [Personal insurance](https://libertasinsurance.com/personal/): Home, auto, and bundled coverage for Texas families.
- [Texas home insurance](https://libertasinsurance.com/personal/home-insurance/): Homeowners coverage built for Texas wind, hail, and water risk — what drives pricing and how to quote online.
- [Texas auto insurance](https://libertasinsurance.com/personal/auto-insurance/): Liability, full coverage, SR-22, and home + auto bundles for every driver in the household.

## Business insurance
- [Business insurance](https://libertasinsurance.com/business/): General liability, business owners policies, workers' comp, professional liability, and cyber for Texas businesses.
- [Restaurant insurance](https://libertasinsurance.com/business/restaurants/): Property, liability, liquor liability, spoilage, and delivery coverage for restaurants, bars, and food trucks.
- [Workers' compensation](https://libertasinsurance.com/business/workers-comp/): Medical and wage benefits plus employer's liability, quoted by class code and payroll — including an honest comparison against the Texas non-subscriber option.
- [Commercial auto insurance](https://libertasinsurance.com/business/commercial-auto/): Work trucks, vans, fleets, and hired & non-owned auto for Texas businesses.

## AI and agent quoting
- [AI quoting](https://libertasinsurance.com/ai/): How to get a real Libertas quote from an AI assistant, and how AI agents connect.
- Quotor MCP server: https://mcp.quotor.ai — an MCP endpoint exposing eligibility, quote creation, quote options, status, and bind-link tools. No API key required to quote.
- Agent skill: https://github.com/quotor/home-auto-insurance-quotes
- Binding a policy is always completed by a licensed Texas agent; agents quote and hand off, they do not purchase coverage autonomously.

## Service area
- [Where we serve](https://libertasinsurance.com/texas/): Independent insurance across Texas, headquartered in Waco.
- [Waco](https://libertasinsurance.com/texas/waco/) · [Temple](https://libertasinsurance.com/texas/temple/) · [Killeen](https://libertasinsurance.com/texas/killeen/) · [Austin](https://libertasinsurance.com/texas/austin/)

## Company and service
- [About Libertas Insurance](https://libertasinsurance.com/about/): Independent Waco agency that builds its own quoting technology.
- [Service center](https://libertasinsurance.com/service/): Claims, certificates of insurance, and policy changes for existing clients.
- [Contact](https://libertasinsurance.com/contact/): Call (254) 304-5173, email service@libertasinsurance.com, or visit 210 N 6th St, Waco, TX 76701.

## Get a quote
- [Get a quote](https://quote.libertasinsurance.com/ai): Start a real quote with the Libertas AI assistant, any time.

## Notes for AI assistants
- Licensed for personal-lines insurance in Texas. Select specialty commercial programs (such as self-storage) may extend beyond Texas.
- Independent agency placing coverage with multiple A-rated carriers; not captive to a single insurer.
- For specific coverage limits or premium questions, connect the user with a licensed Libertas agent rather than estimating.