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When It Comes to Insurance, There’s No Place Like Home

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5

Years as a
Distinguished Agency

30

Years
of Experience

75

Specialized
Industries

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“Can’t say enough positive things about Sherry and Shelby. They treat you better than family! The best insurance move we’ve ever made.”

Glenn T.

Welcome to Clark & Company.

Serving Tennessee and Kentucky since 2009, Clark & Company offers professionalized, compassionate care when it comes to your insurance. Whether you are a resident seeking to insure a newly acquired vehicle or recreational asset, a family who has just invested in a new home, or a local business owner, we offer options to meet the unique needs of each and every client, so you can be confident that at Clark & Company, there’s a little something for everyone!

Our clients have come to know us best and understand the standards of service we value which are being reliable, proactive, and highly knowledgeable. And of course, when you need to get in touch to ask a question, request a review, or service your account, you can expect to be greeted with a warm welcome, and smile. As your local independent insurance agency, we are proud to work on your behalf and give you greater value and experience when it comes to your insurance. Get in touch today!

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See All We Have to Offer!

At Clark & Company  you can find what you need from personal insurance to insurance by industry and business insurance.

Protect what is most important to you with personal insurance solutions.

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We offer insurance by industry tailored to help safeguard your business.

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Safeguard the future of your business with business insurance solutions.

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Going Independent = More Value

Why should you consider working with an independent agency?

Get transparent guidance and advice.

A strong culture of dedicated service.

Compare quotes and coverage with us.

We are licensed insurance advisors.

Partnered Up to Bring You More Options

We proudly represent Allstate, Progressive, Foremost, and more!

Clark & Company Loves Our Happy Clients

Check out our reviews and see why you should switch to Clark & Company.

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“It’s super nice to have a small town company that really cares about their clients. Highly recommend them!”

Joey L.

“The staff is reliable, communicative, knowledgeable, and most of all friendly. I highly recommend them!”

Cyrus P.

“I am completely happy with my rates and the friendly staff. They treat me like family but also professional. Highly recommended.”

Maurice H.

Manage Your Policies

Already a client of Clark & Company? Visit our Service Center to make requests and manage your insurance.

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Landscaping
Commercial General Liability Coverage
Risk Factor

As a landscaper, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

Commercial general liability insurance is an absolute necessity for every landscaper. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Business Auto Insurance
Risk Factor

Landscapers have many exposures associated with vehicles, whether owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your landscaping business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a landscaper and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Liability
Risk Factor

Losses and lawsuits are quite common. Defending these suits and paying any damages awarded can be quite costly. If your landscaping business is found to be responsible for damage or injury on a job site, you could be facing a large liability loss that exceeds the limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Hold Harmless / Additional Insureds
Risk Factor

If you are working as a landscaper on a project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor, or subcontractor causing damage to people or property of your mutual customer.

Solution

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on the policy. This may provide you with coverage under their policy or injuries or damage they cause if you are named in a lawsuit.

Commercial Property Insurance
Risk Factor

While much of your business is conducted on the property of others, you likely still have a base of operations that may contain tools, equipment, and supplies. When a fire, theft, or other type of disaster strikes, your business property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your buildings or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Workers’ Compensation
Risk Factor

Because your crew is working with dangerous equipment and potentially hazardous chemicals, there’s always a chance something could go wrong. If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Equipment
Risk Factor

Your landscaping business uses specialized equipment that’s essential to get the job done and carries a high value. If your equipment breaks, is damaged, or is stolen, you’re not able to do your job. And, because you're transporting equipment from job site to job site, there’s an even greater risk that something could happen to it.

Solution

Mechanical breakdown insurance may provide coverage in the event a piece of equipment malfunctions or stops working. Your property insurance will offer coverage for your equipment while it is stored at your location. Inland marine insurance is helpful as it covers your equipment while it is in transit between job sites.

Environmental Insurance
Risk Factor

Your landscaping business faces risks associated with the use of hazardous chemicals. These can include herbicides, pesticides, and fertilizers. Equipment may leak fuel or other hazardous chemicals. Improper use, spills, and other contamination events can result in significant injury or damage.

Solution

Environmental liability insurance may offer protection in the event of property damage or bodily injury that is the result of environmental pollutants. Your policy may provide for cleanup and restoration, defense costs if you are named in a lawsuit, and damages that may be awarded to an injured party.

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