Business Details
50 Years
experience
Your Trusted Independent Insurance Partner
Founded in 1976, THW Insurance Services has built a legacy of delivering comprehensive insurance solutions tailored to the evolving needs of individuals and businesses. Our team of licensed advisors draws upon over 100 years of combined experience to provide guidance grounded in local insight and relationships. As an independent agency, we collaborate with carefully selected carriers to offer diverse coverage options that balance protection with simplicity. We prioritize understanding each client's unique requirements, ensuring they receive personalized support and innovative products that safeguard their priorities. Our commitment to excellence is reflected in our dedication to being a reliable partner during both routine and critical moments.By maintaining deep ties to the Lebanon, TN community, we ensure our services remain accessible and relevant to those we serve. Our mission focuses on driving value through thoughtful risk management solutions while upholding the highest standards of service. Through continuous adaptation to industry advancements, we empower clients to make informed decisions aligned with their financial goals. Our approach combines technical expertise with a client-centric philosophy, fostering long-term trust and satisfaction. This foundation of experience, independence, and community engagement continues to define our approach to insurance services today.
Services
Business Auto Insurance
Business Owners Policy
General Liability Insurance
Workers Compensation
Commercial Property
Professional Liability
Commercial Umbrella
Cyber Liability
Business Income Coverage
Environmental Insurance
Details
- Year established: 1976
Highlights and features
- We offer over 100 years of combined insurance expertise.
- Our independent agency status provides access to multiple carriers.
- We maintain deep local community knowledge and connections.
- We offer tailored solutions for business and personal needs.
- Our team consists of licensed insurance advisors.
Services
Business Auto Insurance
Protects business vehicles against accidents, property damage, and liability claims. Covers owned, leased, or employee-operated vehicles used for commercial purposes. Provides comprehensive protection including collision, liability, and uninsured motorist coverage.
Business Owners Policy
Combines property, liability, and business interruption coverage into one comprehensive package. Designed for small to medium businesses needing cost-effective protection. Covers physical assets, legal liabilities, and income loss during disruptions.
General Liability Insurance
Covers claims for bodily injury, property damage, and personal injury. Essential for protecting against lawsuits and associated legal costs. Provides defense coverage regardless of case merit.
Workers Compensation
Mandatory insurance for work-related injuries or illnesses. Covers medical expenses, lost wages, and rehabilitation costs. Protects employers from lawsuits while ensuring employee care.
Cyber Liability Insurance
Protects against digital threats including data breaches and cyber attacks. Covers network security failures, data recovery expenses, and legal liabilities. Includes protection for electronic data and customer privacy violations.
Questions
What types of insurance do you offer?
We provide business insurance, employee benefits, personal insurance, and specialized coverage including cyber liability and commercial umbrella policies.
What is a Business Owners Policy (BOP)?
A BOP combines property, liability, and business interruption coverage into one package tailored for small to medium businesses.
How do I file a claim?
Report claims through our client portal or contact our office directly during business hours for immediate assistance.
Why choose an independent agency?
We offer multiple carrier options, personalized service, and unbiased advice to find the best coverage for your specific needs.
In which states do you provide coverage?
We operate in AL, AR, CO, FL, GA, IL, IN, KY, MS, NC, TX, VA, WI, and WV with state-licensed expertise.
