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William Blount & Associates Blog

View the latest blog posts from William Blount & Associates.

Receiving a letter from the insurance company concerning the status of your policy may make you a bit tense. Yet, before you get worried, you must understand the difference between a cancellation of your policy and a non-renewal. These terms are vastly different and require different responses on your part. READ MORE >>

Do you have a go-to guy or girl in your company—you know, the one who everyone counts on to hold things together and get the job done? Most businesses do, and their contributions are immeasurable. But did you ever stop to think about what would happen if that person suddenly passed away? READ MORE >>

Comparing the Two Policies Coverage: While the two policy types offer identical coverage for dwellings, the HO-5 policy is clearly superior in terms of personal property coverage. Availability: Most homeowners will choose the HO-3 policy as it is available everywhere. READ MORE >>

  If you’re a business owner, you are used to wearing a lot of hats. Still, you can’t be an expert at everything, which is why it’s important to build a network of trusted professionals that you can turn to for help whenever the need arises. READ MORE >>

Workers’ compensation is a system of no-fault insurance. Workers’ compensation insurance provides wage replacement and medical benefits to employees for work-related injuries and diseases. The Tennessee Workers’ Compensation Law (TWCL) determines the process for handling workers’ compensation claims. READ MORE >>

As if learning that an employee was involved in an accident on company time isn’t alarming enough, what happens when you find out the at-fault driver doesn’t have coverage or is underinsured? While most states require drivers to maintain auto insurance, according to recent study by the Insurance Research Council (IRC), one in eight motorists remain uninsured. READ MORE >>

  Employees who are called or summoned to jury duty are often entitled to job-protected leave. A federal law, the Jury Systems Improvement Act, provides broad protections for employees who report for federal jury service. In most instances, however, employees are summoned to serve on juries in state or local courts. READ MORE >>

How does it affect my business? Workers’ compensation costs depend on the incidents that occur at your facility and can have a powerful impact on your company’s bottom line. What are key components? READ MORE >>

The Basics Collision and comprehensive coverages provide financial safety nets in the event that your vehicle is physically damaged and needs to be repaired or replaced. Though these coverages are generally not required by state laws, they are certainly attractive options to reduce your financial hardship during a loss. READ MORE >>

Most commercial properties use a form of insurance referred to as “specific coverage,” in which a specific property is insured for a named risk, such as fires, floods, thefts and more. However, specific coverage is also somewhat limited; oftentimes one policy will only cover one named risk at one location. READ MORE >>

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         Knoxville Main Office:   9700 Westland Dr, Suite 102, Knoxville, TN 37922
Knoxville Downtown Office:   130 W Jackson Ave, Suite 105, Knoxville, TN 37902
Nashville Office:   c/o Industrious, 1033 Demonbreun St, Suite 300, Nashville, TN 37203
 
This website is intended to stimulate dialogue about your protection and does not alter or interpret your insurance policies. Always refer to your policy for details about your coverage.