Owning a business can mean the freedom to be your own boss, the joy of serving others and the satisfaction of personal success. In some circumstances, however, it can also mean unique legal issues and liability concerns. At Brock and Poole Insurance agency, we understand the legal needs of Tennessee business owners, and help our clients deal with these contingencies every day through appropriate commercial insurance coverage.

Depending upon the type of business or attraction you own and/or manage, your commercial insurance coverage needs may vary. For businesses like small retailers and general services (accounting, dry cleaning, etc.), your commercial insurance coverage may focus predominantly on general liability coverage and protection from things like product liability, libel, slander, property damage, etc. An amusement park or fitness center business, for example, may require more advanced coverage that protects you in the case that one of your patrons is injured or otherwise harmed on your property. If you own a home-based business, you may also be surprised to learn that certain business-related aspects may not be covered by your homeowner’s insurance (or even by available homeowner’s insurance riders). 

Because of the variability of coverage based on the type of business activities, products and services you provide, it is important to discuss all possible legal concerns and coverage options with an expert insurance agent. If you are a Tennessee business owner or are considering opening a commercial enterprise in the Collierville, TN area, make sure that you’re appropriately insured. The knowledgeable agents at Brock and Poole Insurance Agency can help you identify the best commercial insurance coverage policy for your needs at the right price for your wallet. 

It is essential that any operating vehicle, be it car or motorcycle, be properly insured before it takes to the road. That being said, finding the right insurance coverage can be difficult and confusing.  Brock and Poole Insurance Agency can help you understand the levels of coverage that are available and decide which level of insurance is right for you.

There are several different coverage options when it comes to motorcycle insurance just as there are with car insurance. The first and most obvious is going to be full coverage. This is going to be required in most states if you have a lien against the bike and owe money to any lending agency for it. This is to protect the interest of the company that loaned you the money.

If there is an accident, full coverage will cover the cost of the loan so that you can purchase another vehicle and so that no one loses a ton of money. Most full coverage policies are also going to have specific options like paying medical bills, how much money is paid out in the event that the bike is totaled and so on. You can find out more about this specific type of coverage for your state from your insurance agent.

The other common type is liability insurance. This is only going to cover a certain amount of money and will help take care of your medical bills and of the bills of the person that is involved in a crash with you. This is going to be the type of insurance you may have if you buy the bike outright and owe no money on it.

No matter what type of insurance coverage you opt for, it is always easier if you have an agent on your side to help you get through the process. 

Summer is a great time for many people. There are more things to do as the days get longer and the temperature heats up. A popular thing to do, especially if you live by the water, is to spend a lot of time on your boat. While you may want to get out there right now because it is a great day, there are a few things you need to do in order to prep your boat for summer fun. Use our tips to get started so you can have a great summer on your boat.

• Get a tune up on your boat. If you have been letting your boat sit all winter, then you should probably get a tune up to make sure everything is working well. 
• Check your battery. Another thing to check if your boat has not gotten any use is the battery. Make sure it has enough charge and if it doesn’t, you may want to get a new one. This is also true if you o a few weeks in between uses this summer. 
• De-winterize your boat. If you winterized your boat before winter, you need to de-winterize before you use it.
• Make sure you have your safety supplies on board. Make sure you have life jackets that are in good shape. Check your fire extinguisher. Make sure your first aid kit is stocked. We know you don’t want to use it but you need to have it ready just in case. 

Even with all of the prepping, if you do not have a good boat policy, you should not be out on your boat. To explore your boat policy options or even take a look at your current policy, please contact us at Brock and Poole Insurance Agency. We will be happy to assist you.

Owning and riding an all-terrain vehicle, or ATV, is an adventure that the whole family can enjoy and with safety rules in place when learning to ride, that enjoyment can last for years to come.

Choosing an ATV
When purchasing an ATV for children who are new to the sport of riding, choosing an ATV that will fit the size of a child is important for the safety of the child. ATV’s designed for children usually are not as heavy as an adult ATV which allows the child to have control over the movement of the ATV.  They also have a smaller engine and an automatic transmission and therefore don’t go as fast. 

Equipment
Helmets, goggle, boots and gloves are essentials for riding as they will protect your body from injury in the event that you wreck.  If nothing else is purchased, a helmet is the most important piece of equipment to invest in.   

It’s Time To Ride
When riding an ATV for the first time, it’s a good idea to ride slowly and get a feel for how the ATV speeds up, how to make turns smoothly and how to bring the ATV to a stop without doing so abruptly.

When purchasing an ATV, it’s wise to do a bit of research as to what your homeowner’s insurance policy covers.  If you are not riding on your own property, the policy may not cover the ATV and in addition, some states require additional ATV insurance.  To make sure you are fully covered, call Brock and Poole Insurance Agency, servicing the Collierville area today at 800-396-9667 to see if you have the coverage you need.

Looking for a way to make yourself feel great? That doesn’t necessarily mean going to the spa to get a facial or getting a new outfit, it can mean doing something for someone else in your community, and there are many ways to do so. 

1. Visit the Department of Veteran Affairs

You may want to offer to take a veteran to dinner or just sit with one and chat. You’d be surprised how many interesting stories they have to tell. There are other organizations besides the Department of Veteran Affairs that help those who served our country. 

2. Adopt a Pet  

Go to your local animal shelter or pet rescue center and adopt a pet. These homeless felines and canines have nowhere to go and no one to love them. You can be the one to provide both. Some of them have suffered from being in an abusive situation or near starved to death. You have the option to foster a pet, or you may opt just to donate to the facility. Remember, they rely on donations and can’t feed or nurture these animals without the generosity of others. 

3. Donate Your Unused Clothing and Other Items

Not everyone has the ability to afford clothing, furniture and other items; therefore, they make do with what very little they have. Anything you have that’s in decent condition and you’re not using can go to someone else in need. It doesn’t have to be in perfect condition either. Plus, you’ll free up space in your home, so it’s a win-win situation for everyone. 

4. Know Someone Who’s Lonely?

Maybe you have an elderly neighbor that nobody comes to visit. Even if they’re not the most pleasant of people, go spend a little bit of your time with them. It will make all the difference. 

Brock and Poole Insurance Agency gives back to the community and encourage you to do so as well. If you’d like to know more about their insurance, contact them at 901-854-9775 today.