Is Commerical insurance necessary for kiosks?

Name: Brock and Poole Insurance Agency, Inc.
Address: 185 N Main St, Ste 103, Collierville, TN, 38017
Telephone: 901-854-9775

Posted on October 31, 2026October 28, 2026 by admin

Kiosks generally aren’t thought of as the same as businesses as they look different. Kiosks are small and sometimes mobile.

The question begs: do kiosks really need commercial insurance?

The Brock and Poole Insurance Agency is here to help kiosk owners and small business owners like you protect capital and inventory. Here’s our detailed answer as to whether commercial insurance is essential for kiosks.

Insuring Kiosks

Kiosks are businesses just like any other. Therefore, it makes sense to obtain commercial insurance coverage for them. Even if you own a small kiosk in Collierville or a surrounding TN suburb, it should be protected with the right commercial insurance policy.

Kiosks are similar to other businesses in that they rely on inventory to turn a profit. If your kiosk has sufficient insurance coverage, inventory and also the kiosk station itself will be covered.

Insurance Tailored to Your Business Kiosk

Insurance companies are willing to carefully and closely analyze your unique kiosk for the right coverage. Ensure the commercial insurance you need meets your requirements and you’ll conduct business in full confidence.

Be sure to ask about the terms and conditions of commercial insurance for kiosks. As long as you submit the necessary documents and pay your coverage premiums on time, you’ll move forward with the coverage necessary to safeguard your kiosk’s valuable inventory and structure.

Brock and Poole Insurance Agency is a Call Away

If you own a kiosk or thinking of starting one, you’ll need insurance. We provide commercial insurance for kiosk owners and other businesses. Dial 901-854-9775 to reach our team in Collierville, TN. Dial 615-656-4563 for our Spring Hill, TN location.

Does Home Insurance Cover Temporary Housing?

Posted on September 30, 2026September 22, 2026 by admin

If your home is damaged in a covered event, it could become unsafe to live in. Damage from events like fire or an explosion could create a situation that could displace you temporarily. If this is the case, you could find yourself paying hundreds or thousands of extra dollars per month in living expenses — unless you have home insurance coverage that provides loss of use coverage. Loss of use coverage, also sometimes called temporary housing coverage, may provide rental assistance and other living expenses relating to your temporary relocation.

If your home is damaged in a covered event, and you need temporary housing, the professionals at Brock and Poole Insurance Agency servicing Collierville, TN can help. We can provide information about your home insurance that can help you determine whether you’re eligible for loss of use in your current situation.

Why Would You Need Temporary Housing?

People use their loss of use coverage when they need to move out of their house while it’s being repaired after a covered event. An example of a time when you might need temporary housing is if your house is destroyed in a fire. While the house is being rebuilt, you will need another place to stay. As long as your house is damaged in a covered event, you may be able to use your loss of use coverage to help you afford another place to live.

Need Help With Your Insurance Claim? Contact Us

It can be a challenge to navigate a home insurance claim. This is why many people turn to Brock and Poole Insurance Agency servicing Collierville, TN. We provide assistance to our clients as they manage their insurance claims. We’re here to help! Call today to get started with your home insurance claim.

It’s My First Apartment – When Should I Get Renters Insurance?

Posted on August 31, 2026August 18, 2026 by admin

It’s exciting to move into your first apartment. If you’re in the midst of buying furniture and moving in, then you’ve probably got a lot on your mind. Do you worry about what would happen if your apartment became damaged and some of your belongings were lost? Getting renters insurance can help take some of the risk out of renting an apartment, and that can help take a load off your mind. Before you move in, consider getting a renter’s insurance policy. The team of experts at Brock and Poole Insurance Agency servicing Collierville, TN can help. Our insurance agency can help you shop around for an insurance policy that will meet your needs.

What Is Renters Insurance?

Renters insurance is a policy that can repair or replace your belongings when covered events occur. For example, if your apartment is damaged in a fire, you may lose some of your furniture and other belongings. Fire is a covered event under most renter’s insurance policies. This means that your renters insurance policy may pay to repair your damaged belongings after a fire — minus the cost of the deductible.

When Should You Get Renters Insurance?

Many renters choose to get renters insurance when they get an apartment. You can contact your insurance agency after you sign the lease. Once you know where you’ll be moving to, this is when you can start shopping for a policy.

What Are the Benefits of Renters Insurance?

Renters insurance can make recovery after a covered event much easier and less stressful. Having renters insurance can also provide you with peace of mind.

How Can You Get Renters Insurance?

Getting renters insurance is easy when you work with Brock and Poole Insurance Agency servicing Collierville, TN. Call today to make an appointment.

Can You Add Cousins To Your Umbrella Insurance?

Posted on July 31, 2026July 22, 2026 by admin

Umbrella insurance in Collierville, TN can do more than just provide you with personal liability protection; it can also protect other family members. There are a few criteria people need to meet to be added to your policy.

Relationship

People whom you consider family members cannot automatically be included on your policy. You must be related by blood, marriage, or adoption. Distant cousins may be excluded from this. Some companies will only include first or second cousins. It’s important to speak with an agent here at Brock and Poole Insurance Agency to learn what rules apply to your situation.

Address

Individuals who have the same home address as you can usually be included in your policy. This includes children or relatives who are away at school but still use your address as their residential address. People who live elsewhere usually can’t be included on your policy.

Other Policy Coverage

Most companies require that people be included on your home and auto policies before they can be added to your personal umbrella insurance policy. Some will allow them to keep their own policy, but they must meet specific coverage requirements to qualify for an umbrella policy.

Rules regarding who can be added to your policy vary widely by company. These rules are also always subject to change. That’s why it’s best to speak with a professional about your specific situation to determine whether your cousins can be added to your policy.

Agents here at Brock and Poole Insurance Agency will take the time to listen to your concerns and answer any questions you have. Contact us today to learn more. We’re currently serving the Collierville, TN area.

How Much Life Insurance Should I Buy?

Posted on June 30, 2026June 23, 2026 by admin

Figuring out how much life insurance to get is one of the more persistently tricky questions in personal financial planning, and the honest answer is that there’s no single number that works universally well for everyone. The right amount of life insurance for any given person depends on a fairly specific combination of factors, and working through those factors carefully tends to produce a considerably more useful answer than any generic rule of thumb does.

Help Deciding

Your life insurance representative at Brock and Poole Insurance Agency, serving Collierville, TN, can help with this. The most widely used starting point is income replacement. A fairly common framework suggests coverage equal to somewhere between ten and twelve times a person’s annual income, with the idea being that surviving family members would have enough in order to maintain their standard of living over a reasonable period of time.

To put a finer point on it, a household with young children, an active mortgage, and one primary earner faces a substantially different exposure than a retired couple whose children are fully independent and whose home is paid off. Both situations call for life insurance, but the scale of what’s needed is quite different. Debt obligations, the number of dependents, and whether a surviving spouse has independent earning capacity all feed into the calculation in meaningful ways.

The Complexity Worth Realizing

A lot of factors play into the best choices, which is why you should contact Brock and Poole Insurance Agency, serving Collierville, TN, for guidance. A lot of people end up seriously underestimating how far a family’s financial needs actually extend after an unexpected loss. Working through the numbers with a licensed insurance professional, rather than relying on rough estimates, is almost always the more reliable path forward. Contact us today for assistance with this difficult decision.

Common Risks Businesses Face and how Commercial Insurance Helps

Posted on May 31, 2026May 19, 2026 by admin

Running a business comes with a wide range of responsibilities and risks. While no two businesses are exactly alike, many face similar challenges that can impact operations, finances, and long-term growth. Understanding these common risks—and how commercial insurance can help—can make it easier to plan ahead.

Property Damage and Unexpected Losses

Physical assets like buildings, equipment, and inventory are essential to daily operations. Events such as fires, storms, theft, or vandalism can cause significant damage and disrupt your ability to serve customers. Commercial property insurance is designed to help repair or replace covered assets, helping your business recover more smoothly after a loss.

Liability and Legal Exposure

Businesses may be held responsible for accidents, injuries, or property damage involving customers, clients, or third parties. Even a single claim can lead to legal expenses and financial strain. General liability insurance helps address these risks by providing protection against certain types of claims and associated costs.

Employee-Related Risks

If you have employees, workplace injuries and illnesses are an important consideration. Workers’ compensation insurance is typically required and helps cover medical care and a portion of lost wages if an employee is injured on the job. This coverage also helps protect employers from certain legal complications related to workplace incidents.

Operational Disruptions

Unexpected events can temporarily halt business operations, leading to lost income and ongoing expenses. Business interruption coverage may help offset those losses if your business is unable to operate due to a covered event.

At Brock and Poole Insurance Agency, We’re Proud to Serve Collierville, TN

If you’re looking for commercial insurance, we’re glad you found us. At Brock and Poole Insurance Agency, we’re here to serve Collierville, TN with commercial insurance products, and we’d love to talk with you about how we can protect your business. Reach out to us today to learn more.

Update Your Residential Policy Upon Inheriting Household Items

Posted on April 30, 2026April 20, 2026 by admin

If you have recently inherited some household items that you plan on storing in your residence, you may be interested in insuring them. Insuring items of value will protect keepsakes, family heirlooms, and other newly-possessed items that you care about.

Threat of Theft or Damage

The items that you have inherited may mean a great deal to you. You may have strong emotional bonds with some items. Others may serve an important purpose and make day-to-day life easier for you.

Consider the threats you face that could place your new possessions in danger. You may be concerned about criminal activity or a natural disaster. If a household good is damaged, and you will be unable to handle the out-of-pocket fees associated with repairing it, you may want to consider insuring the item now.

If an item is outright stolen from your residence, having adequate insurance coverage will enable you to replace the item with a new one that is of equal value.

Comprehensive List

Before insuring the items that you have inherited, prepare a comprehensive list. The list should detail what types of items you have inherited and their current value. If you have specific model numbers for some of the items, it is a good idea to keep track of them.

Once you have prepared the list, review it. During your review you can decide how much insurance coverage you need. You can also research different types of home insurance, which will help you select the best ones for the items you own.

Agent Support from The Brock and Poole Insurance Agency

Once you are ready to update your home insurance policy, contact one of our agents. An agent who represents the Collierville, TN region will be ready to assist you.

Do I Need Auto Insurance If I’m Getting a Car Loan?

Posted on March 31, 2026March 17, 2026 by admin

If you’re buying a car, one of the things that you’ll have to consider is car insurance. Auto insurance helps protect you from financial liability when driving a vehicle. Auto insurance can also help protect other drivers from the expenses related to collisions.

If you’re getting a car loan, you’ll need to know how this affects your car insurance and how to get the best car insurance for your needs. The professionals at Brock and Poole Insurance Agency servicing Collierville, TN can help. We work with many insurance carriers to help our customers find a policy.

Who Needs Auto Insurance?

If you’re buying a vehicle, you’ll almost certainly need auto liability insurance regardless of whether you have a car loan. If you’re getting a car loan, you will most likely be required to have full coverage auto insurance, which includes a liability policy. Having full coverage auto insurance provides you with the maximum amount of insurance that you can have.

What Is Full Coverage Auto Insurance?

Full coverage auto insurance is a combination of several auto insurance types including liability, collision and comprehensive insurance. This means that your vehicle is covered under a range of conditions, including collisions and non-collision events.

Lenders like to know the vehicles is protected while you’re paying back the loan. Once you’ve paid off the loan, you can switch to a policy that provides less coverage if you would like.

How Can You Get Full Coverage Auto Insurance?

If you want to get full coverage auto insurance for your vehicle, the professionals at Brock and Poole Insurance Agency servicing Collierville, TN can help. We work with many insurance carriers to provide full coverage auto insurance to our clients. Call today to get started shopping for auto insurance.

Does RV Insurance Provide Roadside Assistance?

Posted on February 27, 2026February 9, 2026 by admin

Getting stuck on the side of the road with a flat tire or a smoking engine can quickly ruin your road trip. Changing an RV tire is far more complicated than changing a tire on a standard automobile. Fortunately, RV insurance in Collierville, TN, may be able to help.

Standard Policy Coverage

Recreational vehicle insurance policies typically offer similar types of coverage as standard auto insurance policies. Liability coverage protects you if you’re at fault for an accident, covering the other party’s bodily injury and property damage. Collision coverage helps pay for damage to your vehicle and belongings in the event of an accident.

Some insurance companies include roadside assistance as part of comprehensive or collision coverage, but this depends on your insurance provider and policy. An agent at Brock and Poole Insurance Agency can help you determine whether roadside assistance is included in your standard policy.

Optional Add-Ons

If roadside assistance is not included in your standard coverage, many companies offer it as an optional add-on. This allows you to pay for additional coverage alongside your current policy. Working with an agent ensures you’ll have the necessary assistance if your RV breaks down.

It’s important to ask key questions to avoid surprises about your coverage. For example, ask whether roadside assistance includes services specific to recreational vehicles, such as changing a flat tire. You should also inquire about on-site technicians, battery jumps, and fuel delivery.

Agents at Brock and Poole Insurance Agency can help you explore your options and ensure you have the coverage you need before hitting the road. Contact us today! We proudly serve the Collierville, TN, area.

Is Boat Upholstery Damage Covered by Boat Insurance?

Posted on January 30, 2026January 7, 2026 by admin

Boat upholstery takes a beating over time, especially in Tennessee, where sun, heat, moisture, and heavy seasonal use are part of boating life. When seats tear, cushions mildew, or vinyl cracks, it’s common to wonder whether boat insurance through Brock and Poole Insurance Agency, serving Collierville, TN, will step in or if the damage is considered part of normal wear.

How Upholstery Is Viewed Under Boat Insurance

In Tennessee, boat insurance typically treats upholstery as part of the vessel itself, not as personal property. Seats, cushions, interior panels, and built-in padding are generally included as components of the boat. That means upholstery can be considered during a claim, but only when damage is tied to a covered cause.

When Upholstery Damage May Be Covered

Coverage usually applies when damage happens suddenly and can be traced to a specific event. Examples may include fire, vandalism, theft, or certain accidents involving the boat. If upholstery is damaged during one of these incidents, it may be evaluated as part of the overall loss, depending on policy terms and documentation.

Why Wear And Tear Is Treated Differently

Gradual damage is handled another way. Fading from sun exposure, cracking from heat, mildew buildup, or general aging are usually considered maintenance issues. In Tennessee, where boats are often stored near water or used heavily during warmer months, insurers expect owners to take reasonable steps to protect interiors from ongoing exposure.

What Helps If a Claim Is Filed

Clear photos, maintenance records, and details about when the damage occurred can be helpful. The more clearly the damage can be tied to a specific event, the easier it is to evaluate.

If upholstery damage is a concern, your Tennessee insurance agent at Brock and Poole Insurance Agency, serving Collierville, TN, can help explain how boat coverage applies and what details matter most before issues arise.

Brock and Poole Insurance Agency, Inc.

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