Program Highlights

Our specialty insurance program is available in Tennessee, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Carolina, Ohio, Virginia, and Wisconsin.

Our program offers the following coverages:

  • General Liability
  • Products/Completed Operations
  • Premises Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Workers Compensation
  • Bonds

These critical coverages are included at policy limits:

  • Professional Liability includes Bodily Injury and Property Damage arising from the insured’s professional services in teaching gun safety or other courses.
  • Sports Participant Legal Liability covers hunting, shooting, archery, and conservation organizations if an injured participant sues the insured despite having signed a waiver.

Liability Coverage may include:

  • Limits available up to $1 million per occurrence / $3 millions aggregate
  • Employees and Volunteers as Additional Insureds
  • Fire Legal Liability – $100,000 (higher limits available)
  • Personal and Advertising Injury
  • Newly-Acquired Organization – 90 days
  • Employee Benefits Liability (claims-made coverage)

Other Insurance Options:

  • Directors & Officers (Not-for-Profit) – covers wrongful acts by directors and officers at $1 million / $1 million (higher limits available)
  • Employment Practices Liability (claims-made coverage) – covers wrongful acts in employment at $100,000 (higher limits available)
  • Electronic media and business interruption coverage
  • Crime – Employee Dishonesty
  • Mobile Equipment
  • Equipment and Tool Floaters
  • Auto
  • Workers Compensation
  • Umbrella – up to $10 million / $10 million
  • Liquor Liability

Bonds:

  • License and Permit Bonds
  • Business Service Bonds
  • ERISA Bonds
  • CCW Bond – Concealed Carry Criminal Defense Bond

Property Coverage may include:

  • Building Coverage
  • Contents Coverage
  • Business Income (extra expense and 0 hour waiting)
  • Equipment Breakdown on building and contents
  • Mine Subsidence (available for specific counties in IL and IN)
  • Earthquake
  • Utility service – direct damage
  • Utility service – time element

Note: Coverages may not be available in all states.

Contact

Kevin Morency
Morency & Associates, Inc.
1194 Long Hollow Pike
Gallatin, TN 37066

(615) 452-4532 (Office)
(877) 244-9090 (Toll-Free)
(615) 452-6580 (Fax)

Areas Served

areas served