Make A Horizontal Table Into A Vertical Table

Hi All,
Any assistance would be greatly appreciated.

I have a current table which I create on a regular basis from a text file with a layout similar to this:
TypePolicy #AmountRider 1 AmtRider 2 Amt
B1112H24.341212.34

This text file is brought into a staging table with each field (even the amount field) as a varchar (12). I then assign types in a later step in my DTS package.

What I need to do is stack the riders under each policy so for each policy where there is a rider, there is a new row for every rider.
So in the example I've given, there would be 2 additional rows for the original first row since there are two riders.
TypePolicy #Amount
B1112H24.34
R11112H12
R21112H12.34

I plan on doing this by first creating a table with just the Type, Policy #, and Amt fields, and then using a series of insert queries where I take the rider (if there is one) and append it onto the table.

However, I'm getting the following error message when I try:
Server: Msg 213, Level 16, State 4, Line 1
Insert Error: Column name or number of supplied values does not match table definition.

Basically, it wouldn't let me put an 'R1' in the Type column.
How can I get this to work!?!?

Thanks in advance for your help