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Learn all there is to know about insurance.

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What Kind of Insurance Do Web-Based Businesses Need? 

With an increasing number of consumers shopping for goods and services online, digital businesses have been able to experience tremendous growth. But as a company takes on more orders, clients, and staff, the owner’s liability also increases.   You can protect yourself and your investment in your business through certain types of insurance. Even though your […]


It’s Fall! Are There More Risks in Store this Season?

There is a large contingent of people that excitedly await the Fall season. In our region, the turning leaves, crisp weather, and seasonal décor make for a pretty sight. But this season also brings some risks for you and your property, and it’s a good time to prepare and avoid these potential issues. Wild Animal […]


Who Needs a Commercial Umbrella?

You can probably guess pretty quickly that the “commercial umbrella” we’re referring to isn’t some industrial strength rain shield. In the case of insurance, a commercial umbrella can extend the protection your business has from certain limits of liability on other coverages. For example, if you your business had a large legal claim against it, […]

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Seven Ways to Make Dental Health Fun for Kids 

Cavities are one of the most common chronic diseases affecting children today, but the good news is they are almost completely preventable. According to the Center for Disease Control, about one-third of all cavities can be prevented by fluoride varnish, which children can obtain from dental applications, fluoride-treated water, and toothpaste containing fluoride. Below, we […]


Minor Auto Accidents – Do you Need a Police Report?

Recently, the Knoxville Police Department announced that they would no longer respond to “certain non-injury car crashes.” In other words, if you are involved in an auto accident and it doesn’t involve injury and/or leave a roadway blocked, an officer will not likely be on-site. The situations where they will respond include crashes that: Result […]


Is Your Detached Garage Covered with the Right Insurance?

In today’s world, garages are for a lot more than parking cars. People across the country have turned their garages into gyms, bars, apartments, workshops, and more. The value of those garages can change completely with these upgrades. And if your garage is “detached” from your home, the limits of your coverage may not be […]


Insuring Motorcycles is About More than Just Two Wheels

There are over 8 million motorcycles registered in the U.S., and many of those are considered more than just a mode of transportation by their owners – they’re a lifestyle. But motorcycles also inherently have some greater risks than other vehicles, and they’re not all safety based. Let’s take a look at some of the […]

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Flood Insurance FAQs 

According to the Federal Emergency Management Agency (FEMA), floods are the most commonly occurring natural disaster in the U.S. However, most standard homeowners policies do not offer coverage for damages from flooding. When considering whether or not you need flood insurance, there are a few questions you will want to ask. Below, we outline those […]


Surety Bonds May Be More Complex Than You Realize

On the surface, Surety Bonds seem pretty straightforward. They are a guarantee that you can be held liable for your debt, default, or failure to perform. But there is more to them than that, and there are some very specific types of surety bonds that apply to specific situations and circumstances. Let’s take a look […]


Sevierville Agency Ownby Insurance Service Celebrates 70 Years

June 21, 2022 Sevierville, Tenn. – Sevierville independent insurance agency Ownby Insurance Service, Inc. is celebrating their 70th year in business this June. Founded in 1952 by Clyde Ownby, the agency had humble beginnings as Clyde sought to insure the individuals and businesses that call East Tennessee home. The agency has grown substantially over time, […]