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Learn all there is to know about insurance.

Rental cabin in Smoky Mountains

On the Horizon: Cabin and Vacation Rental Insurance Trends as 2025 Draws Near

If you are a vacation rental owner, cabin rental owner, or rental property owner, understanding the current trends in the insurance market is essential to managing and protecting your investment. The landscape in 2023 is shaped by a series of challenges and shifts that are important to consider when evaluating your insurance options. Here’s a […]

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Flood damaged farm in Tennessee

Steps Property Owners Can Take to Mitigate Natural Disaster Risks

Natural disasters can strike without warning, causing immense damage and disruption. For homeowners, commercial building owners, property managers, and real estate investors, understanding how to reduce risks and prepare for potential impacts is not only important for your investment – it’s important for safety. And while they can’t be completely prevented, the impacts from disasters […]

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a man reading a business insurance policies document

Why Aren’t all Insurance Policies the Same?

It’s a reasonable question to ask. If I am looking at a home insurance policy with insurance company A versus one with company B – shouldn’t they offer the same coverage? Isn’t cost the determining factor in the difference? The answer, however, is much more complicated. Insurance companies in Tennessee file policies and rates with […]

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a female using risk management to determine which block to pull from a Jenga-like game

How Does Safety and Risk Management Impact Your Business’s Insurance?

As a business owner or manager, you have enough to worry about without safety incidents impacting your team and what you do. That’s why it is so important to have proper safety procedures and risk management efforts in place – and to train your team on those policies. And while it may be common sense […]

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flooded area warning sign

Why Do Natural Disasters Elsewhere Impact Insurance Rates Locally?

A hurricane in Florida. A flood in New York. A wildfire in Colorado. What do any of these have to do with Tennessee’s insurance rates? It would be easy to say, “Oh, that’s just the insurance companies charging us for money they had to pay for other claims.” However, it goes much deeper than that, […]

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person touching a screen looking for insurance

What Do Charities and Nonprofits Need to Know About Their Insurance?

We are lucky to have many charities and nonprofit organizations that serve a vital role in our communities. The services and resources they provide can be a lifeline of support for thousands of people. But even organizations with the best intentions, missions, and goals have risks to consider. As you’d imagine, liability, workers’ comp, property, […]

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team of restaurant employees

How Much Insurance Does Your Business Need?

Owning a business is a lot of work. It often involves managing people, making decisions, keeping track of many things at once, marketing, selling, and a slew of other tasks. When it comes to insurance, most business owners don’t have the time or resources to seek out what they need on their own. They rely […]

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female explaining a document to a male

Why Total Insurable Value (TIV) is Important to Understand

Total Insurable Value (TIV) [sometimes called Total Insured Value] is the complete value of property, inventory, equipment, and business income covered by a company’s insurance policy(ies). Should one insurance company be the insuring carrier for all these policies, it is the maximum amount that they would pay out if there were a covered actual total […]

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independent bookstore owner

What is Business Income Coverage and When Do You Need It?

If you own, operate, or manage a business, you know how important it is to track revenue and financials. But what if that revenue stopped coming in due to a fire? What if a major theft prevented you from being able to pay your bills and payroll? Having business income (also known as business interruption) […]

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Corvette in front of home

What Does a “High Net Worth” Client Look Like in Insurance?

You may have seen the term “high net worth” somewhere and thought, “That’s not me, we’re not ‘rich’ we’re just upper middle class.” But when it comes to insurance, high net worth is more about value than wealth. Consider homes as an example. A high value home is typically one that is valued at $750,000 […]

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