Blog | Ownby Insurance Service

Am I Covered in an Accident with an Uninsured or Underinsured Motorist?

As we all know – accidents happen. But what if you have an accident with a motorist that doesn’t have insurance, or maybe doesn’t have enough insurance to cover the claim? That all depends on the policy(ies) you have in place. But with around 24% of Tennessee motorists uninsured*, and many more with the “minimum” […]

The Trends of Cyber and Data Risk

Cyber liability continues to be a big concern for businesses – and individuals – with data. And whether we like it or not, we all have data that can be targeted. For businesses, the amount of data is likely much larger and more susceptible to attack. And while this has been true for a while […]

Long Term Care Insurance: A Smart Investment

As we get older, it’s important to start thinking about our long-term health care needs. That’s why Long Term Care Insurance (LTC) is such a great option for those who want to ensure that they receive the best possible care if and when the time comes. Let’s take a closer look at why LTC Insurance […]

Spring Maintenance Checklist for Homeowners

Winter can be tough on a home. Snow, ice, wind, rain, and freezing temperatures can all place stress on your home’s structure. Now that Spring is here, it’s time to start taking stock of any needed repairs or updates to get your home back in top shape. Here are a few of the things you […]

Protect Your Business from Seasonal Risks with the Right Insurance

If you’re a business owner, you know that the seasons can bring unexpected surprises that can disrupt your operations. You may face risks from extreme weather or product shortages due to seasonal changes that could cost you time and money. But did you know there are insurance policies available to help protect your business against […]

Insurance for Your RV: Home or Vehicle?

Whether you’re a weekend warrior or an RV full-timer, insurance is an important part of owning a recreational vehicle. But when it comes to insuring your RV, should it be treated as a home or a vehicle? The right RV insurance for you will blend aspects of each type of policy together and give you […]

Spring is in the Air! What Coverages will Prepare You?

For those that don’t enjoy cold weather, springtime is a welcome relief! As the days get longer and the weather gets warmer, it’s an exciting time to be outdoors more and enjoy nature. But there are some risks that seem to “return” more heavily in the Spring, and we want you to be prepared! Flood […]

The Liability Risks Small Businesses May Face

As a small business owner, it’s important to be aware of the risks you face when it comes to liability. These risks can come in many different forms and can vary depending on your type of business. Knowing what these risks are and how to best manage them is essential for running a successful business. […]

Five Goals for Your Small Business in Q1 2023

As 2022 draws to a close, it is time to begin implementing a strategy for the first quarter of 2023. Due to the increasing economic turbulence, we have experienced over the past two years, successful businesses must embrace flexibility – setting quarterly goals can help keep you on track for your bigger long-term aspirations. Here […]

I Have a Small Business – Is a BOP All I Need to Insure It?

Operating a small business typically includes trying to find ways to lower your expenses. But you also have to protect your interests, and the interests of your customers and employees. Insurance is a critical piece of that planning, and a Business Owner’s Policy (BOP) seems like the easy answer. While in some cases it may […]