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11002 Kingston Pike, Suite 103
Knoxville, TN 37934

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Contractors Insurance Made Easy

Contractors Insurance

Contractors Insurance is a safety net protecting your for being responsible for the work that you do. Any error or act of negligence will be held against you personally. In order to protect yourself from the unexpected it is imperative that you have a Farragut contractors insurance policy that provides comprehensive coverage. As your career progresses you will likely find that many potential employers and projects will require that you have a current contractors liability insurance policy in place. If you don’t, they won’t even consider you for the job.

Here at IRM insurance we offer a variety of policies to fit just about any contractor businesses, including plumbing, cleaning, and more. Shopping for affordable insurance just got even easier. In fact, we offer 2 convenient ways to get a quote. If you prefer to speak live we have agents standing by. We also offer you the ability to begin your quote right here on our website.

Common types of contractor insurance:

General Liability Contractors Insurance

Contractors general liability is great protection to have in the event of property damage, bodily injury, personal injury, and other claims that arise due to a fault of your business.

This type of Contractors Insurance is available for various businesses, with the price of your coverage being based on several factors, including your location, the number of employees you have, the level of risk your business is exposed to, and the business type.

Keep in mind that you don’t have to be a property owner, have payroll expenses, or cover operating expenses to qualify for contractor liability insurance. As a contractor, you are still at risk of liability even if you don’t own the business.

There is no one size fits all contractors insurance policy and there are various options to choose from. Our team of experts here at IRM are here to help craft a plan that meets your specific needs.

Commercial Vehicle Protection

Vehicles and trailers that are required for your business, such as pick up trucks and tow trucks, are also in need of protection as part of your business.

Other types of vehicles that are commonly covered under commercial vehicle protection include:

Dump trucks

  • Gooseneck trailers
  • Tilt trailers
  • Low boy trailers
  • And more

Commercial vehicle insurance typically varies based on vehicle type. For a more thorough list of vehicles that are insured, contact one of our friendly agents.

Employee Dishonesty Coverage

No one likes to think of their employees as dishonest, but the reality is theft often occurs from your very own employees. Farragut TN contractors insurance Employee Dishonesty Coverage can help safeguard against employee theft.

Who Can Benefit from Contractor’s Insurance?

Contractors, subcontractors, and general contractors vary by business type. Some of the most common businesses that require Farragut TN contractors insurance include:

  • Landscaping
  • Plumber
  • Construction
  • Painter
  • Electrician
  • Handyman
  • Cleaning
  • Carpenter
  • And more

Are you ready for a FREE quote? If so, give us a ring today at (865) 579-0500 or begin your quote here on our website.

How much is Homeowners insurance in Farragut TN?

Homeowners insurance

Homeowners insurance offers protection for your home and possessions from a myriad of events ranging from natural disasters to burglary and theft. In a world where we cannot foresee the future, Farragut home insurance can put your mind at ease. You simply cannot afford to go without a home insurance policy that covers your home and personal property. When selecting a policy be sure to take the time to choose a plan that provides adequate protection. The last thing you want to find to find out after a claim is that you have subpar coverage. By purchasing a home insurance plan today, you can rest assured that you are prepared for the unexpected.

Homeowners insurance is a vital part of your overall protection plan and we recommend working with a skilled agency like ours. We are always committed to finding our clients the greatest amount of protection for the lowest price. IRM Insurance is here to help you find a plan that meets your needs as well as your budget.

When purchasing insurance it is important to understand that homeowners insurance rates will vary from one company to the next. The rates can actually vary quite substantially. That is why it is so important to shop around and compare rates at numerous companies. Consumers are often unaware of the fact that they are overpaying for insurance until they take the time to compare rates. Shopping around for insurance can be a hassle if you go about it the wrong way. We recommend working with an independent insurance agency like IRM Insurance. Don’t waste time calling all over town requesting quotes from multiple insurance agencies. Make 1 quick call to our agency and we’ll take care of the rest.

As an independent insurance agency, we are in a great position to save you money on your homeowners insurance. Unlike most insurance agencies that represent only 1 company we represent numerous carriers. This allows us to find the very best deals for homeowners insurance in Farragut Tennessee. You’ll be happy to know that we also offer multi-policy discounts if you combine your home and auto insurance together. Working with IRM Insurance means better protection at a lower price. Our friendly team will take the time to craft a plan for your unique needs.

IRM Insurance wants to make sure you get the best possible deal when it comes to insuring your home. Contact our office today to receive your free Farragut homeowners insurance quote. We are available to speak live or you can start your quote right here on our website.

How To Find Affordable Renters Insurance in Farragut TN

Nowadays we often find ourselves so busy that even important items on our to do list are set aside and forgotten about. Renters insurance is one of those items that could end up in this category. My advice to you is to not let that happen. We often don’t truly appreciate insurance until a tragedy occurs. It is at that moment that you will have a clear understanding of the value that renters insurance provides.  Quite simply, a Farragut renters insurance policy will help you rebuild your life.

Who needs renters insurance?

If you are a renter, you need renters insurance. It is pretty cut and dry. Without adequate coverage you could lose everything that you own and find yourself with no place to turn for help. There is a common misconception that your landlord’s insurance will cover your personal property, but that isn’t the case. In order to be protected you need to secure your own insurance policy.  When shopping for renters insurance in Farragut we recommend working with an independent insurance agency like ours.  IRM Insurance is a highly creditable independent insurance agency with a long standing in the community. One of the main benefits of working with an agency like IRM is the fact that we represent multiple top-rated insurance companies instead of just one. We are able to impartially shop the competition to find you the best deal.  Our independent status is only one of the many reasons that our agency is known as the place to go for Tennessee renters insurance quotes.

IRM Insurance has a highly trained, friendly team that is here to answer all of your questions surrounding Farragut TN renters insurance.  All you have to do is give us a ring.  You’ll be happy to know that we can assist you right over the phone in a matter of minutes.

Don’t allow yourself to fall into the trap of thinking that nothing bad will ever happen to you. It is quite common to feel that we are invincible and that we will never have a need for something like renters insurance. Unfortunately, there are many local residents that had this same feeling just prior to losing everything!  You’ll be happy to know that insurance for renters in Farragut Tennessee is actually quite expensive. The prices typically range from $10-20 dollars a month depending on the level of protection that you choose.  In addition to the actual coverage included in a renters insurance policy it also comes with peace of mind. It is hard to put a price on that!

Tips To Consider:

  • Purchase adequate coverage. What would it cost to replace all of your personal property?
  • Understand what you are purchasing. Our agency can walk you through all of your options.
  • Gain a clear understanding of what is covered and what isn’t.
  • Deductibles: choose a deductible that you can afford to pay out of pocket.

There are a variety of ways to purchase insurance coverage, but we highly recommend speaking live with an agent. This will give you an opportunity to get all of your questions answered.  Here at IRM Insurance we place a priority on finding our clients the highest level of protection for the lowest price.

Give our agency a call today and enjoy the peace of mind that comes with knowing you are protected.  You can reach us at (865) 579-0500.

Top Tips To Save on Farragut Auto Insurance

You are likely paying more for your Farragut auto insurance than you should be.  It is our goal here at IRM Insurance to help you put more money back into your pocket for better use.

Here are a few tips to help you save…

Choose your car wisely

The type of car you buy will affect your car insurance rates in Farragut TN. Before you purchase a car whether new or used, check how much it will cost you to insure it. Car insurance rates take into consideration car price, the cost of repair, the likelihood of theft, safety records, and more. The type of car you drive can have a significant impact on your auto insurance rate. Choosing a lower risk car can lower your annual premiums.

Drive Better

Farragut car insurance premiums factor in driving records. To keep your premiums low, you need to keep it safe on the road. DUI convictions and tickets will reflect badly on you and can hike your insurance rates.

Higher Deductibles Can Lower Your Premium

Deductibles refer to the amount you need to pay before the policy comes into effect. When you pay a higher deductible, you get significantly lower auto insurance costs. A higher deductible can save you some cash, but make sure you choose a deductible that you can afford to pay out of pocket in the event of an accident.

Maintain Good Credit

Your credit history can have a significant impact on the amount you pay for auto insurance in Farragut. Generally speaking, insurance providers offer better rates to applicants who have a better credit history. It is recommended to check your credit rating before getting car insurance to ensure that it is up to date and error free.  As your credit history improves your auto insurance rates will likely follow.

Buy An Anti-Theft Device

You reduce the risk of your car being stolen by installing an anti-theft device. Additional security measures may give you more negotiating power with your insurance provider. This means better rates and more savings for you.

Compare Insurance Rates

Auto insurance rates differ from one Tennessee insurance company to another. Shopping around and conducting a comparative analysis means that you get the best rates in the market. Shopping around online can be hectic. Our agency provides you with comparative quotes from multiple providers. Due to our independent status we are able to offer unbiased information to help you make an informed decision when purchasing Farragut auto insurance.

For additional information feel free to reach out to our agency. You can reach us at (865) 579-0500.