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.

Evaluating your property coverage.

When it comes to your property, we’ll evaluate the coverage amounts on your building and business personal property (inventory, furniture, equipment, etc.), your deductibles and coinsurance values and how the insurance is applied. We’ll also evaluate what the cost would be to replace your business should a loss occur, and make sure the building is insured for what it’s worth. We’ll look at whether your property insurance includes adequate debris removal, increased cost of construction, content and improvement and better amounts.

Our professional staff will determine how much Business Interruption coverage you need to cover ongoing expenses while repairs are being made should you be forced to shut your doors due to a fire, power outage or other covered loss. What’s more, when writing food spoilage and contamination coverage for a Restaurant or Hotel/Motel, we’ll look at under what circumstances you’re covered and ensure that various scenarios possibly excluded in one policy are picked up by another. Our Commercial Property policy can also be enhanced to include losses due to equipment breakdown, water backup and overflow, electronic equipment and signs. And we’ll evaluate your specific requirements for Crime, Employee Dishonesty and other key insurance.

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 info@biatn.com.