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Woods Insurance Service has been in business since 1926. We have a proven track record of dedication and commitment to excellence in our service to the business community.

Through the years we have gained experience in providing insurance to many different types of businesses including Oil and Gas insurance, and other forms of commercial insurance.

We rely heavily on "word of mouth advertising" thru our clients, which has proven to be most successful throughout the years.

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We use cutting-edge technology to provide our customers with the latest data analysis, communication and human resources administration tools.

These tools, along with many other benefits we offer helps our clients manage risk, track claims, and meet employee benefit goals.

We are happy to use our resources help find you the most apropriate type of insurance, whether it be personal insurance or commercial insurance we offer you the same technological service.

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More Than Insurance

We can help you develop Safety and Employee Manuals geared to your specific business needs. We can provide you with timely and relevant legislative updates when changes are made at the federal level.

We can help you to provide a broad range of communications including ready to use employee newsletters and payroll stuffers.

We offer all of these services in additon to the insurance servies that we normally offer to make sure that we are always giving the best service possible to our customers.

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Tomorrow's Security & Today's Peace of Mind


FIVE STAR SERVICE: We pride ourselves on the level of knowledge and service we bring to our clients. All our clients are assigned a team of specialists dedicated to servicing their needs. Each client accesses our team through a single point of contact, making working with us seamless and easy. We know you are looking for more than a competitive price. Your insurance program must be comprehensive, thorough, and backed by a commitment to service.

COVERAGE: We are here to help you understand and minimize the many risks you face, and to create an insurance program to address those risks.

Contact Us

Farmington Office

4801 N. Butler Ave
Suite 12101

Farmington, NM87401

Mailing Address:
P.O. Box 3830
Farmington, NM 87499

Phone: 505-326-1111
Fax: 505-326-3130
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Cortez Office

2204 E. Main
Cortez, CO 81321

Phone: 970-565-7972
Fax: 970-565-9526

Durango Office


If you'd prefer, feel free to use the form below to contact us concerning personal insurance, commercial insurance, or health insurance. We will contact you shortly after we receive your request/inquiry.

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Commercial Insurance

Commercial Auto:

Commmercial Auto Insurance

You need commercial auto coverage if you or your employees will use titled vehicles in their work. Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto. This is not true. Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes. Commercial auto policies are also needed if you need higher liability limits, haul special equipment, transport goods or have other special needs in your business.

Workers' Compensation:

Workers Compenstaion

(Ask about our no down payment, pay as you go plan)

If your business has employees, it is required to carry workers' compensation insurance, which covers medical bills and lost pay for employees who are injured on the job. Workers' comp also includes employer liability coverage, which compensates families of employees permanently disabled or killed at their workplace.

 General Liability:

General Liability

This insurance protects you if anyone is injured at your place of business. It also covers any injuries that might be caused by a product or service you sell.

Umbrella Liability:

As you might suspect from its name, umbrella coverage is intended to fill in any gaps left by all your other forms of insurance. If your business is complex or exposes you to many risks, for instance, if you make a product that could injure people or damage their property, umbrella coverage ensures you won't be stuck with a big bill.

Builders Risk:

Builders Risk

Also referred to as a “Course of Construction” Policy. This insurance provides coverage from loss or damage to the job site. For example, a fire burns a partially completed house down. Builders Risk pays for the replacement of materials and labor cost. It also covers theft and vandalism.

Professional Liability, Errors and Omissions Coverage & Bonds:

Professional Liabilty

Please Contact Us about these and other services we offer.

Personal Insurance


Take a look at our 2013 brochure!


Auto Insurance

Protect the investment that serves as your transportation. Both for your financial stability and State legal compliance. You need auto insurance to make sure that if you cause an accident, you can afford to pay for the damage and injuries you may have caused.

You may want to include physical damage to your auto insurance policy to ensure you can replace or repair your vehicle in the event it’s damaged. Although states don’t require this, the bank that loaned you the money to buy a new vehicle probably will. With a new car and a monthly payment, you won’t want to be out a vehicle when it’s already wrecked and still be responsible for making a payment on a vehicle that is totaled or sitting in a junk yard. Auto insurance is your safety net against such circumstances.


Home Insurance

We like to call it an “Asset Protection Policy”. It will give you peace of mind knowing that in the event of a covered loss, your damaged home will be rebuilt and your destroyed belongings will be replaced. Without homeowners insurance, you alone will be responsible for protecting your home, possessions and personal liability. For instance, if your home burns down due to a fire, you’ll need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. Do you usually have $500,000 readily available in case something like this happens? This is where home insurance shows its value. 

Another reason to consider having home insurance, if someone is injured on your property, they may sue you for injuries and damages they sustain which could be more than $1,000,000. Without insurance, you may have to liquidate your assets and even lose a portion of your wages if you need to pay for a judgment.


Motorcycle Insurance

Having a motorcycle can be one of the most exhilarating things in life, but one of the questions we hear a lot is “Do I really need Motorcycle Insurance? “ Read these statistics and see why they are reason enough to see the importance of having motorcycle insurance.

The National Safety Council- They estimate a motorcycle accident that causes serious bodily injury happens every 14 seconds here in the United States. Another is according to the National Insurance Crime Bureau is that 20-25% of motorcycles that are stolen are never found.

 Renters Insurance:

Renters Insurance

You need renter’s insurance to cover you if any of your personal belongings such as furniture or electronics get damaged or destroyed. Renters insurance also covers you in the event that someone else is injured in your apartment or someone’s personal property is damaged and sues you. This type of personal insurance can be your solution when the unexpected happens in your apartment.

 Boats, Yachts, Motor Homes, RV's:

Boat and Motor Home Insurance

Please Contact Us about these and other types of personal insurance we offer.

Get a Quote

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Our Companies


Independant Insurance Agent Insurance Education & Research Trusted Choice
CIC Better Business Bureau Association of Energy Service Companies


Independant Insurance Agent Insurance Education & Research
CIC Better Business Bureau
Trusted Choice Association of Energy Service Companies

Our Companies

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