Tennessee Independent Agents

Tennessee Insurance: All Your Needs In One Place

Get help from one of our Tennessee independent agents

They understand your risks and will find you the coverage you need.

Most popular insurance coverages in Tennessee

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

Why Choose an Independent Insurance Agent in Tennessee?

Frequently Asked Questions about Insurance in Tennessee

There's no use browsing hundreds of insurance companies for sub-par coverage. When it's time to get insured, jump right to the best carriers around. Start here with our recommendations for the best insurance companies in Tennessee. Here are the top five.

  • Nationwide: Nationwide was founded in 1925 and offers both business and personal insurance solutions, including auto insurance, flood insurance, property insurance, life insurance, and specialty products. The carrier offers a wide variety of insurance products that appeal to professionals and individuals alike. Nationwide is even rated "A+" by both AM Best and the Better Business Bureau (BBB). Combined with its rock-solid financial strength and 24/7 claims reporting for customers, Nationwide can't be beat.
  • Liberty Mutual: Founded in 1912, Liberty Mutual also offers both business and personal insurance products. The carrier's extensive coverage catalog includes home insurance, personal auto insurance, renters insurance, condo insurance, equipment breakdown insurance, ocean marine insurance, BOP insurance, and umbrella insurance, just to name a few. Liberty Mutual also has excellent ratings of "A" by AM Best for financial strength and an overall "A+" from the BBB, making them an ideal choice for any kind of customer.
  • The Hanover: Founded in 1852, The Hanover has been around in the industry for quite some time. The insurance company sells personal and business products, including auto insurance, umbrella insurance, condo insurance, home business insurance, commercial auto insurance, commercial property insurance, valuable items insurance, and much more. With an extensive coverage catalog and an "A" rating by AM Best and an "A+" by the BBB, The Hanover has a lot to love.
  • West Bend: Founded in 1894, West Bend also has quite a bit of history under its belt. The carrier offers personal and business products, including home insurance, auto insurance, identity theft insurance, business insurance, and workers' comp. West Bend offers 24/7 claims reporting for its customers and boasts an "A" rating from AM Best and an "A+" from the BBB.
  • Encova: Encova was founded in 2017 and offers both business and personal insurance products. Commercial auto insurance, personal auto insurance, cyber liability insurance, workers' comp, personal property insurance, and life insurance are just a few of the many coverages in their catalog. The carrier also has commendable financial strength, with an "A-" rating from AM Best.

Homeowners insurance in Tennessee offers the same basic coverages as policies needed by residents in every state. The four major protections included in a Tennessee home insurance policy are:

  • Dwelling coverage: Protects your home's structure from many covered perils like hail damage, fire damage, vandalism, falling objects, and more.
  • Personal property coverage: Protects your personal belongings, including furniture, clothing, silverware, etc.,  from theft, fire damage, and more.
  • Liability coverage: Protects you against third-party lawsuits by guests, etc., for claims of personal property damage or bodily injury. 
  • Additional living expenses coverage: Protects you from extra costs (e.g., hotel stays and takeout meals) if you need to live somewhere else while your home is undergoing repairs after a covered disaster like a fire.

You can find a home insurance plan by talking to a local independent insurance agent.

Car insurance in Tennessee also provides the same core protections needed by drivers in every state, including:

  • Collision: Protects against physical damage to your car after an accident with another vehicle or object.
  • Comprehensive: Protects against threats to your vehicle other than collision, including theft, vandalism, fire damage, certain types of storm damage, windshield breaks, and more. 
  • Medical payments: Covers the costs of injury treatment for the driver and/or their passengers if they're at fault for an accident.
  • Uninsured motorist coverage: Helps cover the costs of physical damage to your vehicle and injury treatment, etc., if you get into an accident with another driver who's at fault but doesn't carry any or enough auto insurance of their own to cover their portion.

Tennessee also requires these coverages by state law:

  • Bodily injury liability: Covers the costs of injury treatment for another driver and their passengers after an accident that you're at fault for. Tennessee requires all drivers to carry at least $25,000 per person and $50,000 per accident of this coverage.
  • Property damage liability: Covers the costs of repairing a third party's property or vehicle after you physically damage it with your own vehicle. Tennessee requires all drivers to carry at least $15,000 per accident of this coverage.

If you're looking for car insurance in Tennessee, talking to an independent insurance agent is one of the easiest ways to find a plan that works for you.

Business insurance in Tennesee provides the same protections needed by businesses anywhere, such as for your physical office or store building, your inventory, company vehicles, and more. You're likely to find at least these coverages in a business insurance policy in Tennessee:

  • Commercial vehicle insurance: Any company vehicles are protected by this coverage against numerous threats like accidents, theft, vandalism, fire damage, and more.
  • Commercial property: The business's physical building, inventory, and other equipment are protected by this coverage against theft, fire damage, and more.
  • Commercial general liability: The business is protected against lawsuit costs if a customer or other third party claims the company caused them bodily injury or personal property damage. 
  • Workers' comp insurance: Employees are protected against the costs of injury, illness, or death caused by their job or work environment, and cannot sue the business for these incidents as a result. In Tennessee, all businesses with five or more employees must carry this coverage, with a couple of exceptions. Certain industries, like construction, require this coverage for businesses with at least one employee. 

Business insurance in Tennessee is easy to find through a local independent insurance agent that understands your needs.

Workers' comp insurance in Tennessee provides reimbursement for costs related to employee injury, illness, or death caused by the workplace or job duties. Whether an incident occurs on the job site or elsewhere, if it can be proven to have been linked to the worker's job, it can qualify for coverage. 

Businesses that provide workers' comp coverage for their employees enjoy the benefit of being exempt from employee lawsuits related to these incidents. Workers' comp insurance can cover the costs of treating an employee's injuries or illness and rehabilitation to help them return to work. It can even partially cover funeral costs if an employee dies due to their job. Tennessee businesses with five or more employees must provide this coverage by state law.

You can find a workers' comp plan that fits your business needs through a local independent insurance agent.

Commercial vehicle insurance in Tennessee protects businesses against lawsuit costs if a third party sues them for an incident involving a company vehicle. If a customer or other third party claims the business's delivery driver struck their car with a company vehicle, commercial vehicle insurance can cover the business's legal costs, including attorney, court, and settlement fees during their defense. 

To find a commercial auto plan that fits your needs, talk to an independent insurance agent in Tennessee.

Restaurant insurance in Tennessee starts with the basic coverages provided by a business insurance policy. On top of these crucial protections, a restaurant insurance policy also includes certain specific coverages needed by the industry, like:

  • Equipment breakdown insurance: Steam boilers and other large appliances your restaurant relies on are covered against breakdowns due to power outages and more.
  • Spoilage coverage: If your business's food or other inventory spoils due to an extended power outage, fire, or other covered peril, this coverage can reimburse for the loss.

Talk to an independent insurance agent in Tennessee to find the restaurant insurance that best fits your needs.

Umbrella insurance in Tennesee can extend an existing policy's liability coverage limits to $1 million or more. Say you have a home insurance or business insurance policy that currently includes $250,000 of liability insurance (commercial general liability or commercial vehicle liability for the business). If you add a $1 million umbrella insurance policy, you'll increase your coverage limits to $1.25 million. Umbrella insurance can be purchased by individuals or businesses and is extremely beneficial when faced with a hefty lawsuit that might otherwise exhaust their liability coverage. 

No matter how much coverage you need, you can find a plan that works for you by talking to an independent insurance agent.

Renters insurance in Tennessee acts very similarly to homeowners insurance, except it doesn't cover the outer structure of the building you live in, since that's technically the landlord's responsibility. However, renters insurance provides coverage for your personal property, liability, and additional living expenses.

There are a lot of renters insurance plans out there, and you can find the best one for you through a local independent insurance agent.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

Independent insurance agents in Tennessee can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with many of the best insurance companies in Tennessee to find you the right coverage at a great price.

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