Author Archives: Barnes Insurance Tennessee

When Disability Insurance is Necessary, and How to Get It

When Disability Insurance is Necessary, and How to Get ItYour most valuable asset is your ability to make a living. The chance of missing months or even years of work due to an injury or illness may seem unlikely, especially if you’re young and healthy and you work at a desk, but more than one in four individuals will experience a disability for 90 days or more before they reach age 67.

People often shrug it off because they only consider rare scenarios, such as spinal cord injuries leading to quadriplegia or horrific accidents that result in amputation. But back injuries, cancer, heart attacks, diabetes and other illnesses lead

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When Should You Have a Personal Articles Floater?

When Should You Have a Personal Articles Floater?Everyone has valuable possessions in their home, and they want to protect them. For rare situations, like a valuable being damaged by a houseguest, where high-value items in a home fall outside the scope of even the broadest home insurance policy, a personal articles floater may be a viable option. But what is this enhancement, and where is the line between high-value homeowners insurance and needing a personal articles floater?

What is a Personal Articles Floater?

A personal articles floater is a type of stand-alone coverage typically added to the current home insurance premium. It allows for extremely high-value items,

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What Type of Life Insurance is Right for Me?

What Type of Life Insurance is Right for Me?Are you pondering upon what life insurance plan will best protect your family? It is helpful to determine what type of life insurance policy fits your needs. Some types expire, some have an investment-like cash value, and some are best for older or unhealthy applicants. There are benefits to each, depending on the individual.

Life insurance is needed to protect a family’s financial security. It’s critical in the event of a death to help mitigate financial hardships for survivors, and can also be an excellent tool for estate planning and wealth perpetuation. It’s in your best interest to understand your

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The Best 2019 New Year’s Resolutions for Your Business

The Best 2019 New Year’s Resolutions for Your BusinessThe New Year is the perfect time to reevaluate goals and plan for the year ahead. For business owners, making New Year’s Resolutions can significantly impact their success. Here are a few New Year’s Resolutions for business owners to implement in 2019 for a successful year.

Find a Buddy

Accountability makes a world of difference! People are much more likely to meet a goal after committing to another person. That chance of success increases even more when committing to ongoing meetings with their partners to check in on their progress. Write down your goals, find a buddy, and regularly meet

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How to Keep Your Business Property Safe this Winter

How to Keep Your Business Property Safe this WinterWinter is upon us, and with it comes snow, sleet and subzero temperatures. Winters can be especially rough on businesses from day to day. By incorporating proper tactics, business can make sure their properties and customers stay safe this winter season.

Inspect Heating Systems

Maintaining heating systems should be a top priority in cold weather. Have your heating system inspected regularly and stay up to date on the maintenance tasks. Keep your customers and employees warm in your building and safe from dangerous carbon monoxide leaks. If you have furnaces that are older than 10 years, consider replacing them for

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How a Buy-Sell Agreement Helps Your Business

How a Buy-Sell Agreement Helps Your BusinessDesigned to protect your business and your family, in the event of your death or disability, a Buy-Sell helps the remaining family members avoid conflicts over the disposition of company assets or debt. The contract should set a value of the business interest so valuation disputes can be prevented or at least minimized. Having a formal, written document between owners, detailing transition plans is strongly recommended. 

These agreements can be included in the array of Employee Benefits packages that we offer along with our Tennessee Business Insurance program. Is this what your business needs? Let’s take a further look.

The

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Ways to Show Appreciation for Your Employees

Appreciated workers are motivated workers. Instilling recognition as part of the company culture will improve morale, increase productivity, and reduce turnover.

Different employees prefer feedback in different ways. Some like one-on-one meetings, while others enjoy public praise. Still others would rather receive gifts or attend employee parties. Protect your business, show your workers that you value their contributions and obtain Tennessee Business Insurance in order to make sure that all aspects of your business are covered.

Well-being

Healthy people are stronger employees, utilize sick leave less often and have more energy throughout the day. Offer incentives for employees to work

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So, You’ve Been in a Car Accident. Now What?

So, You’ve Been in a Car Accident. Now What?A car accident is a stressful event, and it sometimes prevents people from thinking straight. But in an event like this, keeping a level head and taking care of all of the details is crucial. Be prepared for an accident by knowing what will come next, and which steps to follow if you’re involved in one.

You never know when an accident might occur, so it’s important to be ready. Obviously you need to have your Tennessee Auto Insurance information, vehicle registration, and license with you. But there are a few more things to remember.

Safety First

Safety should be

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The Best Cabin Destinations in Tennessee

The Best Cabin Destinations in TennesseeTennessee is an extremely beautiful and popular destination, and the Tennessee cabins are a big part of the authentic mountain living experience. Spend time with stunning scenic views, tree-topped mountains, and wildlife for the perfect getaway. With summer coming to a close and the fall months fast approaching, there’s no better time to get out of town and enjoy the scenery.

Here are some of the best destinations for a cabin trip.

Pigeon Forge

Pigeon Forge is a mountain resort area offering themes parks and museums.Check out the Elvis Presley Museum or Old Mill Square to enjoy a

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Renting Out Your Cabin? Avoid These Red Flag Tenants

Renting Out Your Cabin? Avoid These Red Flag TenantsIf you have decided to rent out your cabin, whether for a vacation lodging destination or for long-term residency, it all begins with a tenant search. You will  likely have many candidates, but not all will be good. It is important to know how to separate the good from the bad by recognizing the signs of a problem tenant.

Red flags or not, you can never be too precocious when allowing a stranger to live in your cabin. Stay prepared with Tennessee cabin insurance during your search and through the renting process.

Bad Credit

You must find a tenant who

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