Here’s Why You Need Commercial Insurance

Starting a business can undoubtedly be exhilarating. However, as a business owner, you may find yourself and your wealth exposed to serious threats. Fortunately, the right commercial insurance plans can mitigate at least some of the risks. If you live in or near Collierville, TN, and own a business or are considering starting one, contact Brock and Poole Insurance Agency to discuss commercial insurance policies.

Businesses Face Myriad Risks

Starting up a company all but inevitably exposes you to some threats. Often, business owners think of risks in terms of competitors in the market, trade secrets, and losing investment resources if an idea goes bust. These risks are important. However, they are not the only threats you may face.

A storm could destroy the physical buildings if you own a restaurant, gas station, or whatever else. Likewise, your business might be targeted by criminals who may destroy your property or steal your money. The right commercial insurance policies may cover some of these events.

Businesses may also be exposed to various liabilities. For example, if a restaurant serves someone food that makes them sick, the business owner could end up in court facing a civil suit. Likewise, the entrepreneur could face a lawsuit if someone falls in the restaurant because an employee mopped the floors but didn’t put up signs. The right business insurance policies may cover some of these events.

Of course, you should speak with an insurance agent to determine what is and is not covered by a specific plan. If there are gaps in your insurance policy, you may be able to fill them in with additional plans or expanded coverage.

Entrepreneurs operating near Collierville, TN should contact Brock and Poole Insurance Agency to learn more about commercial insurance coverage.

Can Roommates Each Have a Renter’s Insurance Policy?

Renter’s insurance protects individuals from risks and losses associated with covered events. Renter’s insurance provides liability coverage in addition to coverage for personal property and alternative lodging if necessary. If you would like to learn more about renters insurance, count on Brock and Poole Insurance Agency to provide the residents of Collierville, TN, with quality options.

Renter’s Insurance Coverage 

If you rent a home or an apartment, you’ll need to secure renter’s insurance to protect yourself and others. Sometimes, it may be required to reside at your location. If you have a roommate, you’ll likely need to secure a policy individually rather than share one. Before choosing your renter’s insurance policy, check with your rental agent or office to determine the requirements to live in that space.

To learn more about renters insurance and how it applies to your specific circumstances, our knowledgeable and friendly agents can help you understand more about potential policy options that work for you and how to secure the right policy. 

We can thoroughly explain the terms and conditions of each potential policy to help you understand if it’s the best choice. Once you make a policy selection, we can also assist you with submitting documentation and information to get coverage immediately. If you have any changes to your living Arrangement or need to file a claim, we’ll also offer support.

Reach Out Today 

To get started with your renter’s insurance coverage, contact Brock and Poole Insurance Agency. Call or stop by the office to schedule a consultation with one of our insurance agents. We can also answer questions about any other products or services we provide to the residents in and around the Collierville, TN, area.

Four reasons why you’ll like having umbrella insurance

It’s essential to carry umbrella insurance for total financial protection. Consumers in Collierville, TN can get the coverage they need from Brock and Poole Insurance Agency.

The following are four reasons why you’ll like having umbrella insurance.  

Umbrella insurance can reduce the stress of being a parent.

Parents need to carry umbrella insurance since parents can be held liable for damages caused by their children. Umbrella insurance reduces the liability risks of being a parent, making life less stressful for parents. 

Umbrella insurance protects you in a wide range of liability situations.

If you learn about umbrella insurance, you will see it offers protection in many situations. You can rely on your umbrella insurance to protect you whether you face a lawsuit due to auto accidents, accidents in your home, or accusations of defamation. 

Umbrella insurance offers a lot of value.

It’s impressive how much coverage umbrella insurance offers for how little it generally costs. Umbrella insurance can provide millions of dollars of coverage if you face an expensive lawsuit. At the same time, monthly premiums on umbrella insurance policies tend to be surprisingly low. 

Umbrella insurance typically protects you anywhere in the world.

Carrying umbrella insurance can be especially beneficial if you travel a lot. Umbrella insurance policies often don’t have any geographical restrictions. This means that policyholders can benefit from coverage if they get involved in a lawsuit or face a liability expense outside their home country. 

Umbrella insurance offers consumers in Collierville, TN many advantages. At Brock and Poole Insurance Agency, we can quote you an umbrella insurance policy that will keep your finances secure. Get in touch with us today!

Why Life Insurance Is Vital for Everyone

Often, life insurance policies are overlooked by those who don’t have many assets or a family or are on the younger side of life. But life insurance is a must for anyone of any age or financial situation. At the Brock and Poole Insurance Agency, we understand how overwhelming the process of contemplating and purchasing a life insurance policy can be. We work with Collierville, TN residents to find the right policy for each situation. Below is a brief overview of why you need life insurance.

The Benefits of Having a Life Insurance Policy at Any Age

Chances are, you have bills to pay and a group of loved ones that will be left paying them upon your passing. Or maybe you’re your household’s primary or sole earner with dependents looking to you to provide the essentials. Whatever your situation may be, it’s unlikely that you want to leave those you care about with additional, unnecessary stress during an already difficult time. This is where life insurance steps in.

When you purchase a life insurance policy, whether a term-life or whole-life plan, you secure the future of those you’ll leave behind. A life insurance policy ensures that no matter your age or the expenses you’ve accrued, your loved ones will have the peace of mind that comes with financial stability.

Find the Right Policy for You at the Brock and Poole Insurance Agency

As you can see, life insurance is an invaluable resource for those we leave behind. If you live in Collierville, TN, and want to purchase a policy, contact us today! We can take the stress and leg work out of shopping for insurance by presenting you with the policies that best match your needs. Reach out to learn more!

Does Tennessee Require Motorcycle Insurance?

Protecting oneself and one’s assets is paramount, especially for motorcycle owners. If you’re a motorcycle owner in Collierville, TN, you may wonder if motorcycle insurance is required. The answer is yes.

Tennessee’s Minimum Motorcycle Insurance Requirements

In Tennessee, just like owning a car, you must have minimum liability insurance coverage for your motorcycle. This coverage includes:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per accident
  • $15,000 property damage coverage per accident

Proof of insurance must be carried with you while riding your motorcycle and presented if you are involved in an accident or pulled over by law enforcement. If you cannot show proof of insurance, you could face fines or even have your license suspended.

Coverage Options Beyond the Minimum Requirements

While the minimum coverage requirements will help you meet the legal needs to ride your motorcycle in Tennessee, they may not fully protect you and your assets in the event of an accident. Thankfully, at Brock and Poole Insurance Agency, we offer a range of coverage options beyond the minimum requirements, such as collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. The additional coverage options can help provide additional financial protection in the event of an accident.

Working with a Trusted Insurance Agent

When protecting yourself and your assets while riding your motorcycle, working with a trusted insurance agent like Brock and Poole Insurance Agency is essential. Our team of experienced professionals can help you navigate the complex world of insurance and find a policy that meets your unique needs and budget.

Contact us today at Brock and Poole Insurance Agency, serving Collierville, TN, to learn more about your options and find the coverage you need.

What Does RV Insurance Cover?

Getting the correct type of insurance is essential if you plan to hit the open road in an RV. Residents living in and around the Collierville, TN, area can count on Brock and Poole Insurance Agency to provide them with the service and insurance coverage necessary to stay protected while traveling. 

RV Insurance Coverage

RV insurance protects covered individuals in the event of damage or accidental loss. For example, if there is a fire or vandalism, the insurance would cover that event and pay to repair or replace the RV. 

It also provides liability protection if the RV owner is at fault for a collision or damage-related accident. Most policies offer collision and uninsured or underinsured driver coverage. 

If you recently purchased an RV or need to acquire better coverage, our experts can help. We work with each client to ensure they get the policy protection they need while driving or parking. We can assess current and future needs and make recommendations for their lifestyles. We also assist with the submission of documents, changes to the policy, and submission of claims. 

Reach Out Today

Anyone needing RV insurance can rely on our Brock and Poole Insurance Agency team to provide them with the necessary insurance products. Our agents are ready to assist you with your insurance selection. We proudly serve the Collierville, TN, residents, allowing them access to reliable coverage and exceptional service. Call or stop by our office today to speak to one of our helpful agents and get started on the road to peace of mind by having the right coverage for your RV. 

Customizing Your Boat Insurance Policy

When you purchase boat insurance from Brock and Poole Insurance Agency to keep your watercraft safer on the waters around Collierville, TN, you can customize it in many ways to offer added financial protection. This blog covers the riders and add-ons you can include in your boat policy.

Other Watercrafts

Let us help you add all of your watercraft to one boat policy. You might think only of your motorboat, but one policy can also protect any jet skis, kayaks, canoes, Seadoos, or other watercraft you own. We’ll help you list all items on your policy, so they enjoy the coverage.

Riders and Add-ons

Most boat policies start as liability coverage that protects your finances if you cause an accident on the water. You can add extra coverage to the basic policy that you would to cover a car or truck:

  • collision
  • comprehensive
  • personal injury protection
  • medical

You can’t add roadside assistance to your boat policy, but you do have many riders available.

Scheduled property riders probably top the list of riders our customers like to add to their boat policies. When you add a scheduled property, such as your radar system, the insurance policy covers it with replacement value coverage. That means the insurance company pays you the cost of a new radar system if it gets damaged or stolen.

You can add anything installed to or used on your boat to your scheduled property list. That includes any computers you use on the boat, the kitchen appliances in your galley, and the furniture.

Contact Brock and Poole Insurance Agency

Contact Brock and Poole Insurance Agency for more information on customizing your boat policy. Let us help you protect your financial investment in your watercraft while on the waters of Collierville, TN.

Customizing Your Boat Insurance Policy

When you purchase boat insurance from Brock and Poole Insurance Agency to keep your watercraft safer on the waters around Collierville, TN, you can customize it in many ways to offer added financial protection. This blog covers the riders and add-ons you can include in your boat policy.

Other Watercrafts

Let us help you add all of your watercraft to one boat policy. You might think only of your motorboat, but one policy can also protect any jet skis, kayaks, canoes, Seadoos, or other watercraft you own. We’ll help you list all items on your policy, so they enjoy the coverage.

Riders and Add-ons

Most boat policies start as liability coverage that protects your finances if you cause an accident on the water. You can add extra coverage to the basic policy that you would to cover a car or truck:

  • collision
  • comprehensive
  • personal injury protection
  • medical

You can’t add roadside assistance to your boat policy, but you do have many riders available.

Scheduled property riders probably top the list of riders our customers like to add to their boat policies. When you add a scheduled property, such as your radar system, the insurance policy covers it with replacement value coverage. That means the insurance company pays you the cost of a new radar system if it gets damaged or stolen.

You can add anything installed to or used on your boat to your scheduled property list. That includes any computers you use on the boat, the kitchen appliances in your galley, and the furniture.

Contact Brock and Poole Insurance Agency

Contact Brock and Poole Insurance Agency for more information on customizing your boat policy. Let us help you protect your financial investment in your watercraft while on the waters of Collierville, TN.

Helmets: Not just the law, a good idea

All fifty states now require every motorcyclist to wear a helmet when riding. This seems like it should be common sense, as a human head hitting the pavement at 30 mph or faster with no protection can mean the end of your motorcycle adventures… permanently! Your Collierville, TN friends at Brock and Poole Insurance Agency want to remind you of this simple way to keep yourself safe on the road.

Why a Helmet?

You may be the most careful motorcyclist on the road. We do not doubt that, but the fact is that when thousands of motorcycles get on the road with millions of cars and trucks of all sizes, you are the smallest and most vulnerable thing on the road. Defensive driving is the order of the day when you’re on a motorcycle. Make sure that you give larger vehicles a respectful berth and don’t try to zip past them – as tempting as it is and as attractive as it looks in movies. Movie motorcyclists are trained, licensed stunt performers; even then, some nasty and fatal injuries can happen.

Helmets Are Made To Keep Your Head Safe

Motorcyclists will often grumble about their helmets – after all, don’t you ride a bike to feel the wind in your hair? But if you search “motorcycle helmet damage” on the internet, you’ll quickly see pictures of helmets damaged or split apart by impact with the road that saved their riders’ lives. You want to wear a helmet because a concussion will heal over time, but death is quite a bit more challenging to overcome.

Give Us A Call

Brock and Poole Insurance Agency in Collierville, TN is here to help you with your insurance needs. Call or come in today for an estimate.

Four Benefits of Renters Insurance

Renters’ insurance can cushion you against unpredictable events such as theft or liability claims. As a Collierville, TN, resident aspiring to rent an apartment, it’s vital to understand that renters’ insurance doesn’t cover the structure you are renting or leasing. However, it may cover additional enhancements and alterations, such as room partitions or built-in bookshelves.

Buying the right renters’ insurance from Brock and Poole Insurance Agency is instrumental because it shields you and your assets. After all, your landlord is not responsible for damaging your belongings if a calamity such as a fire. Please get in touch with our sales agents today if you are ready to get started with renters insurance.

Benefits of renters insurance

Unluckily, most tenants don’t bother buying renters’ insurance because they think it’s not a worthwhile investment or they believe their landlord’s insurance cushions them. Knowing that renter’s insurance protects you and your personal property is imperative. Renter’s insurance is beneficial in the following ways:

  • Assets protection: Renter’s insurance covers your clothing, electronics, and other personal items against covered risks. This means you don’t start from scratch when disaster strikes. Renter’s insurance safeguards your assets at home and when away from your residence.
  • Liability protection: Do you like hosting events like parties in your rented apartment in Collierville, TN? Are you an owner of a given pet which can bite? These events and pet ownership might attract liability claims. And if such cases crop up, you will be thankful if you had invested in renter’s insurance. Renter’s insurance covers liability claims when accused by third parties.
  • Covers loss of use: If your home becomes unlivable due to a covered peril, your renter’s insurance kicks in and caters to additional living expenses like hotel bills incurred as your dwelling undergoes repairs.
  • Peace of mind: Renters insurance helps you live a worry-free life because the things that mean the most to you are well-covered.

Are you searching for affordable renter’s insurance in Collierville, TN? Please call or visit us at Brock and Poole Insurance Agency to get more information about renter insurance.