General Liability & Property Insurance from Barnes Insurance Agency

The fundamentals of any sound insurance program is making sure you have the proper General Liability and Property coverages in place. As basic as this may appear, there are many factors that go into ensuring that you have the right policy limits, provisions and enhancements protecting the various exposures that your business operation faces.

At Barnes Insurance Agency, we have the expertise needed to properly review an operation, pinpoint exposures depending on the products and services offered, and implement a General Liability and Property insurance strategy that’s designed to protect against these risks. We will also determine whether your operation is suited for a Business Owners Policy (BOP) or a Commercial Package Policy, where coverages are bundled and customized depending on the industry.

A proper review means proper coverage.

When it comes to your liability risks, we will conduct an inspection of your premises to identify any hidden exposures. We’ll analyze your prior loss history to determine where you can improve your safety practices and stem claims. Our staff will also review your contractual agreements to determine if you have any exposures resulting from these agreements. What’s more, we’ll review your coverage to determine if there are any gaps or overlaps, which could leave you unexpectedly exposed or paying for coverage you may not need. You will receive our recommendations, including whether your policy limits should be adjusted or coverage broadened, and whether you need any additional endorsements or standalone liability policies to ensure you have an insurance program that’s in sync with your specific risks. This could mean adding Directors & Officers Liability, Errors & Omissions, Employment Practices Liability, and Cyber Liability coverage.

We’ve got you covered with our liability and property insurance policies

Barnes Insurance Agency serves the business communities of Sevierville, Pigeon Forge, Gatlinburg, Knoxville, Maryville, Alcoa, Nashville, Chattanooga, Kingsport, and Johnson City. We will provide you with the personalized attention you need to protect your business, property, assets, employees and customers. Contact us toll-free at 877-279-2500; you can also email us at

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