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.

Is It Illegal To Ride a Motorcycle Without Insurance?

Posted on December 31, 2025December 4, 2025 by admin

It is no secret that riding a motorcycle is one of the most dangerous ways to travel. Though motorcyclists rarely inflict damage or harm to others, they have the potential to suffer serious injuries after minimal contact. Do all motorcyclists in Collierville, TN have to get insurance? The insurance providers at the Brock and Poole Insurance Agency provide the answer below.

Motorcycle Insurance Requirements

Though it is possible to take to the roads on a motorcycle without insurance, doing so isn’t prudent. The cost of medical care and lost wages after a motorcycle accident could easily bankrupt you. Moreover, riding a motorcycle without insurance is illegal. Though you can buy a motorcycle without insurance, you’ll need insurance coverage before actually riding it.

Even if you plan on limiting bike time to joyriding in your driveway or the street you live on, you must have insurance. It merely takes one wipeout on a slick spot to cause a nasty spill and expensive injury.

Why Motorcycle Insurance Is Necessary

Seat laws for automobiles are on the books, yet no comparable safeguard exists for motorcycle riders. Motorcycles also lack the airbags and roll bars of automobiles. Though motorcyclists have helmets and padding, they face an elevated risk of injury if there is even slight contact. Moreover, light rain makes the roads slippery in mere seconds. Riding on slick surfaces puts motorcyclists in that much more danger.

Motorcycle Insurance Is Affordable

There’s no reason to risk your finances and motorcycle license by riding without insurance. Obtain coverage today and you’ll find the monthly premium is surprisingly affordable.

The reasonable cost of motorcycle insurance is partially attributable to the fact that motorcycles cost less than automobiles. Add in the fact that motorcycles are cheap to fill with gas and there’s all the more reason to take to the streets on two wheels instead of four.

Get Your Quote From the Brock and Poole Insurance Agency

Serving the Collierville, TN area, our insurance team provides affordable and reliable coverage. Give us a call today to get your quote.

Why Your College Student Needs Renters Insurance

Posted on November 28, 2025November 17, 2025 by admin

If you live in the Collierville, TN, area and have a college student, there are ways to improve their college experience. They can live in a safe area. They can select a location that is close to campus. And they can get renters insurance from Brock and Poole Insurance Agency.

What Does Renters Insurance Cover, and Why Is It Essential for College Students?

Renters insurance generally protects a student’s personal property from damage and loss due to various circumstances. These typically include theft and fire.

Renters insurance often covers furniture, clothing, housewares, bedding, and some personal electronic devices.

However, there is more to renters insurance than you might think. It also covers your student’s personal items while they’re traveling. Your student also has protection from liability if someone gets injured or their personal property is damaged in your student’s apartment.

Renters often benefit from affordable rates and even discounts when bundling with car insurance. One of the most overlooked benefits of renters insurance is the peace of mind it can give you and your student.

Limitations of Renters Insurance

It is worthwhile to note that renters insurance protects the personal property of only the insured. It does not cover the personal property of any roommates. If your student has roommates, each should secure their own renters insurance.

At Brock and Poole Insurance Agency, we’re proud to serve families throughout the Collierville, TN, area. If you have a student attending or planning to attend college, consider how they may benefit from renters insurance. Contact us for a quote.

Winter Weather Accidents and Liability: How Collierville Families Benefit from Umbrella Insurance

Posted on October 31, 2025October 14, 2025 by admin

Winter accidents don’t just dent bumpers or bruise elbows. In Collierville, TN, they often turn into lawsuits, medical bills, missed work claims, and liability costs that quickly exceed your coverage limits.

This is where umbrella insurance proves its value, not with fanfare, but with quiet, powerful protection that steps in when everything else runs out.

When Primary Coverage Falls Short

Your homeowners insurance has a liability cap, and so does your auto policy. But what happens if a guest falls on your icy porch and requires surgery? Or if a winter wreck leads to a multi-car claim with injuries and lost wages? Those caps can be exceeded quickly.

Once your coverage limit is reached, the remaining costs are your responsibility. That includes your savings, assets, and even future income. Umbrella insurance catches those overflow expenses and prevents them from dragging your finances down.

Brock and Poole Insurance Agency works with Collierville families to find umbrella coverage that steps in when things get really expensive, not just inconvenient.

It Only Takes One Storm

You salt the walkway. You drive carefully. You do everything right. But it doesn’t matter. One unpredictable freeze, one sheet of black ice, or one guest arriving early while the sidewalk is still hazardous can change everything.

Suddenly, you’re legally responsible for damages that exceed your policy limits.

Umbrella insurance provides an extra layer of liability protection. Think of it as one million dollars or more, quietly waiting in the background to absorb the worst-case scenario.

Protection That Follows You Everywhere

The beauty of umbrella insurance is that it moves with you. Whether you’re at home, on the road, on vacation, in a rental car, or on a ski trip, it provides coverage. If you’re held liable, it steps in, no matter where the accident occurred.

One icy step. One winter crash. One unexpected claim. Call Brock and Poole Insurance Agency in Collierville, TN today to learn how umbrella insurance can protect your entire financial picture.

Why Sufficient Medical Insurance is an Important Part of Your Motorcycle Policy

Posted on September 30, 2025September 11, 2025 by admin

When you buy motorcycle insurance in Collierville, TN, you might not immediately think about its medical insurance provisions. Most people focus on liability coverage and protecting their bikes in case of a collision. However, having adequate medical payments coverage is essential if you sustain an injury in an accident. Brock and Poole Insurance Agency can help ensure you have the coverage you need.

The Risks Faced by Motorcycle Riders

Unlike drivers and passengers in cars and trucks, who are shielded by metal frames, motorcycle riders are exposed to the elements and other vehicles. They lack the protective barriers that can reduce the severity of injuries in larger vehicles. Additionally, motorcycles ride lower to the ground, increasing the risk to the rider’s body. These factors often lead to injuries that are far more severe than those experienced by occupants of cars or trucks. For example, motorcyclists frequently suffer leg injuries that require multiple surgeries and extensive physical therapy.

How MedPay Can Bridge Insurance Gaps

While you may assume your health insurance will cover injuries from an accident, this is not always the case, especially if the injuries are catastrophic. Health insurance may cover some medical expenses, but you could still be responsible for significant out-of-pocket costs. Motorcycle medical coverage can help cover these expenses. Additionally, the liability portion of your motorcycle insurance policy only covers injuries to others if you are at fault in an accident. Medical payments coverage, on the other hand, will cover injuries you sustain, as well as those of any passengers riding with you at the time of the accident.

Brock and Poole Insurance Agency can assist you in creating a motorcycle insurance policy that provides comprehensive medical coverage and meets your other needs. Contact our office in Collierville, TN, to schedule an appointment today.

Renters insurance for students

Posted on August 29, 2025August 11, 2025 by admin

Brock and Poole Insurance Agency is proud to serve the Collierville, TN, area with a full range of insurance services designed to protect you, your family, and your future. We can even help secure your college student while they’re away at school with affordable renters insurance.

Here’s what you need to know about renters insurance for students.

The Landlord’s Insurance Won’t Cover Your Student’s Belongings

It’s a common misconception that a renter is covered under the landlord’s insurance policy. However, this is not the case. Landlord insurance typically only covers the property owner’s interests, leaving your student’s possessions unprotected.

Your Student May Be Required to Carry Renters Insurance

More landlords and property management companies are requiring tenants to carry a minimum amount of renters insurance. While this is becoming more common, tenants still have the freedom to choose their insurance provider.

What Renters Insurance Covers

Renters insurance is designed to protect the tenant’s possessions from losses due to theft or damage. Many policies also include liability coverage, which offers financial protection if a visitor is injured while on the property. Additionally, some policies may cover possessions while the student is traveling.

Protecting Personal Belongings

Renters insurance typically covers items such as clothing, bedding, furniture, housewares, and electronics. However, some personal digital devices may be excluded. It’s important to review the policy details to understand what is and isn’t covered.

Additional Considerations

Renters insurance generally covers the tenant’s personal possessions listed on the policy. If your student has roommates, each roommate should have their own renters insurance policy to ensure their belongings are protected.

The Good News

The good news is that renters insurance for students is typically very affordable and easy to obtain. If you’re in the Collierville, TN, area, contact Brock and Poole Insurance Agency for a quote. We’re here to help protect your student while they’re away at school.

Brock and Poole Insurance Agency, Inc.

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