Lake in East Tennessee


Industry-Specific Insurance.
Our goal is always to deliver comprehensive, quality coverage at a reasonable price. We do this by providing a full review of our clients’ property, operations, location, employees, bylaws and organization to determine the best blend of insurance policies. We may recommend a Business Owners Policy (BOP) for your sector, or a Commercial Package Policy of mixed coverages may better suit your business. In some cases, we find that stand-alone policies or a specially designed program is best.

Short Term Rentals - Airbnb, Cabins, & More

East Tennessee draws visitors from all over the country and world to hike our trails, swim in our lakes and enjoy the great outdoors that we’re fortunate to have right in our backyard. As a result, the investment property industry is significant here with many overnight rentals – from rustic cabins to lodges and luxurious chalets – available to the millions of tourists flocking to the area.

Barnes Insurance Agency offers investment property owners with cabin and overnight rental exposure protection for their property and liability. Coverage is available for single-home and multi-dwelling landlords, vacation properties, condominiums, townhomes, and single-family homes of all sizes and styles.

What you need covered.

We offer a full line of Property and Liability coverages, including replacement cost coverage in the event of property damage for your buildings and owned contents; rental income coverage; and Liability insurance that helps with legal fees, settlements and damage awards in claims where you are found responsible for someone else’s loss.

Our Property insurance covers a broad range of perils including but not limited to things such as accidental damage by tenants, fire, storms and other non-wear-and-tear events, both natural and manmade. We can also help evaluate your flood and earthquake exposure. For other water damage, you will need sewage and drain backup coverage. Separate structures, such as detached garages, sheds, guesthouses, pools, etc. can also be insured.

Peace of mind and competitive pricing come with the Barnes Insurance Agency.

All policies include liability insurance for injuries to guests on your property, but we also have available an Umbrella (or excess Liability insurance) policy for landlords. This is especially important to consider if you have multiple locations or the property you are renting comes with a pool or some other high-hazard feature. We can also insure your rental income should that cease due to a covered cause of loss.

Amusement / Recreation Insurance

a person riding go-karts

There’s a lot to see and do in Sevier County and the surrounding areas in Tennessee, with access to recreational and outdoor activities at our many parks, rivers and lakes. From the campgrounds that dot the region to a myriad of hiking trails and activities, such as white-water rafting, fishing and riding to golfing, skiing, etc., to our visiting amusement parks, residents and visitors from all over the country enjoy the beauty and adventures that Eastern Tennessee has to offer.

Barnes Insurance Agency specializes in providing insurance products for the amusement and recreation industry. Our coverages include commercial Property and Liability along with equine insurance, motocross track insurance, special events insurance, recreation insurance, concerts insurance, amusement centers insurance, marine insurance, business auto insurance and more.

We also offer Management Liability, Workers Compensation and other coverages to protect your company from typical business problems. Commercial Umbrella insurance is also available.

Types of businesses we insure include:

  • Adventure camps
  • Boating
  • Cycling
  • Riding
  • Fairs
  • Hiking Tours
  • Skiing or Any Other Outdoor Activity
  • Go Cart Tracks, Laser Tag, Mirror Mazes

We put our best foot forward to insure your operation.

Barnes Insurance Agency can help you manage your risks and insure your business no matter what line of outdoor recreation and amusement activity you’re in.

Farm / Equine Insurance

Farmland and fields of soy

Tennessee is known for its equestrian and farming communities with lots of open space and a long tradition of breeding and showing the Tennessee Walking Horse. We at Barnes Insurance Agency are very involved with the equine community, insuring many types of breeds, and fully understand what is needed to provide insurance protection for the horses themselves, whether they’re for work, breeding, show or pleasure. In fact, our agency president, Joe Barnes, is the proud owner of “The Coach” who is the 2010 Tennessee Walking Horse Grand Champion.

We also know what is needed to protect the farms, ranches and stables that are an integral part of our landscape.

Our portfolio of coverages.

Barnes Insurance Agency partners with top insurance carriers that specialize in equine mortality and property and casualty coverages for full-time operating farms and ranches and agribusiness operations:

  • Equine Mortality: Includes major medical and surgical coverages for an accident, injury, sickness and disease for all breeds and disciplines such as such as racing, showing, cutting, dressage, hunter/jumper, driving, reining, saddleseat and pleasure riding.
  • A Farm and Ranch Policy: One of the industry’s broadest and most comprehensive products available to the modern-day horse farm owner, our policy is also competitively priced. Coverage can be custom designed to meet the specific needs of your operation from a small acreage pleasure farm to a multiple location commercial farm. Included is coverage for the dwelling, other structures, household personal property, loss of use-rental value, farm personal property, and other farm structures.
  • Farm General and Personal Liability: Coverage includes certain features, including automatic coverage for newly acquired or leased premises; broad form contractual; custom farming when receipts are less than $10,000; non-owned auto; personal injury; advertising; and catastrophe liability when endorsed with our Umbrella insurance, offering limits of up to $25 million.

Insure your investment with Barnes Insurance Agency.

Optional coverages such as disruption of operations, business income, cyber and more are also available.

For more information about our Equine program, please visit:

Hotels & Restaurants

a hotel bed


The hotel/motel industry is quite diverse catering to the varied needs of consumers. From vacationers and honeymooners to sports enthusiasts and business travelers, you have operations providing limited services to full-blown resorts and spas. Across each of these categories there are common exposures as well as unique risks that depend on the scope of operation and services.

Knowing your risks.

As one of our signature industries, Barnes Insurance Agency understands what these risks are and the insurance programs needed to address them. We have been providing the hotel/motel industry throughout communities in Tennessee with tailored, sound insurance programs for more than 50 years. This includes providing General Liability, which can be broadened to include Liquor Liability, Food Borne Liability (when the hotel includes a restaurant), Pollution Liability, Reservation Cancellation, Event Cancellation, and Abuse & Molestation. We can also provide you with Directors & Officers, Employment Practices, Cyber Liability, and Management Errors & Omissions – all critical coverage protection for today’s hotel/motel operations.

Obtain first-class coverage and service with Barnes Insurance Agency.

Our Property coverage can be secured with Equipment Breakdown and Business Interruption insurance. We will also review with you your property values to make sure your buildings and real property is adequately insured. Business Auto and Crime insurance are also a part of our suite of products. What’s more, we can provide you with Workers Compensation insurance and extend the risk management services of our insurance company partners to help you stem losses and prevent on-the-job injuries and accidents.


From potential slips and falls to problematic patrons, food poisoning exposures, liquor liability, and employee wage disputes, just to name a few, a restaurant operation has many challenges that can jeopardize the operation of the business. In addition, there are many factors outside the walls of an establishment that could shutter a business for a long time. For example, severe weather can crush a business, as can failed suppliers, downed utilities, food recalls, and traffic disruption.

Barnes Insurance Agency can help you insure against these and many other types of risks. We offer Liability insurance, including Liquor Liability, Food Contamination coverage, Food-Borne Illness insurance, Cyber Liability in the event your patron’s data is compromised, and General Liability for cases when a visitor gets injured at your facility. We also offer sound Employment Practices Liability insurance, which responds to employee allegations of unfair pay practices or discrimination.

Keeping your doors open.

Business Interruption insurance is also a must for restaurants to pay for ongoing expenses (including payroll) in the event you’re forced to close while repairs are being done due to damage to your own property. We also offer Contingent Business Interruption insurance, especially for those restaurants that rely on foot traffic from an anchor store or that could be cut off from the traveling public by the closure of a road, bridge, or tunnel.

Clients look to Barnes Insurance Agency for best-in-class insurance programs and service.

We can provide you with insurance for equipment breakdown, for food spoilage that results from a covered cause of loss, and Property coverage for your building and its contents, and more. Our Valet insurance is a must for restaurants that offer car-parking services.

Our Workers Compensation policies will round out a strong portfolio of coverage for your operation.

Municipality Insurance

A group of houses in a neighborhood

Understanding the complexity of the risks and issues municipalities and counties face, including the rise in litigation and claims, requires the deftness, insight, and experience of a seasoned insurance firm. That firm is the Barnes Insurance Agency.

Our dedicated team of experts will provide nimble, smart and competitive solutions tailored to address a municipality/county’s many risks and exposures. Our portfolio of insurance solutions, underwritten by insurer partners specializing in this sector, includes:

  • General Liability
  • Auto Liability and Physical Damage
  • Public Entity Management Liability
  • Employment Practices Liability
  • Law Enforcement Liability
  • Property
  • Equipment Breakdown
  • Inland Marine
  • Crime
  • Umbrella
  • Workers Compensation
  • Large Deductible and Self-insured Retention Programs

A comprehensive insurance solution.

Our coverages will protect public officials against lawsuits for everything from wrongful termination and allegations of employee discrimination; land use and contract disputes; to mismanagement of, or improper administration of, funds, grants, or budgets; and improper granting or denial of permits or licenses.

Our experience makes the difference.

What’s more, along with our underwriters, we stay abreast of public affairs as well as evolving legal and social issues in our area that can affect your insurance and risk management program. You will have access to dedicated risk control specialists to help assist with your challenges and in fostering a safe work environment. Our insurers will also provide experienced claim professionals dedicated solely to handling public entity claims who understand state-specific issues and have extensive knowledge of the immunities and special defenses afforded to public entities.

Water & Sewer Utility Insurance

The staff at Barnes Insurance Agency understands the unique challenges publicly owned utilities encounter in their daily operation that can result in property damage, accidents, injuries and lawsuits. To address these exposures, we offer insurance protection for water and sewer facilities under our utility services program for entities, including for municipalities and counties that serve Eastern Tennessee. We work with insurers that have developed specialized coverages to provide the protection required in the event of a loss.

Customized coverages.

Our water and sewer utility services program includes standard General Liability coverages that can be broadened to include a Contractors’ Commercial General Liability to insure risks associated with maintaining water and sewer mains away from the facility. Within the General Liability policy, we can also offer failure-to-supply limits for water distribution operations. Moreover, a broadened pollution provision is available to address chlorine/sodium hypochlorite in water or sewage purification processes, as well as sewer back-up incidents.

The Property component of the program can be customized for utility businesses as well, including securing Equipment Breakdown Coverage that extends your insurance to cover loss to real and business personal property from the sudden and accidental breakdown of machinery and equipment used in your business. In addition, we can provide you with coverage for underground piping.

Spend less time worrying about the unknown.

Our staff can round out your program with Commercial Umbrella insurance coverage to extend your liability limits over and above your primary General Liability policy. We can also provide you with Public Entity Management Liability coverage and Crisis Event Expense coverage.

Our insurer partners also offer loss control services to help uncover exposures and mitigate risks. Experienced claim professionals are dedicated solely to handling public entity claims, and understand state-specific issues along with having extensive knowledge of the immunities and special defenses afforded to public entities.