At Howard Hildreth Insurance, our priority is to provide you with exceptional service and comprehensive coverage. Explore our diverse portfolio of business and personal insurance services and discover the right solution for your unique needs. With our advanced service, you can be confident that your insurance needs are fully protected. We offer a range of specialized coverage options to ensure that you have the right protection in place for your business and personal assets.
Many people aren’t quite sure what their auto insurance policy covers or what their options are. We can help make sure you have the type of auto insurance coverage that fits your needs and budget. A comprehensive auto policy can help protect you, your car, and provide insurance coverage for injury and property damage to others.
Personal umbrella insurance helps provide extra liability protection beyond what your auto or homeowners insurance provides. The broad protection includes worldwide coverage for personal liability losses, defense costs, loss of earnings, and more, all at a reasonable cost that may surprise you.
Life insurance offers protection for your family to ensure that they will have financial security in the case of your death.
Health Insurance
Your employees' well-being directly impacts the day-to-day operation of your business. Providing group health insurance will help maintain a healthy, productive workforce. Our agency has access to the top health insurance carriers in the country and we will work with you to find the medical, dental, and/or vision plan that best fits your needs and budget. We can also show you how setting up a tax-favored health plan like a Health Reimbursement Arrangement (HRA), Flexible Spending Account (FSA), or Health Savings Account (HSA) could help you and your employees save money.
Disability Insurance
The Hildreth Agency is the exclusive servicing agent for the Long Term Disability Insurance Program for the University of Tennessee’s Graduate Medical Education Residents. We are pleased to provide an outstanding policy through Unum.
Long Term Care
Extending coverage beyond basic medical and nursing care, long-term care insurance helps pay for the additional assistance a chronically ill or disabled person needs. This includes such things as extended nursing home care, in-home care, assistance with daily living activities and more. Depending on how your plan is structured, there may be tax benefits to both the employer and employees.
In addition to disability income for each partner's individual needs, overhead expense insurance can provide reimbursement to the office for business expenses incurred during a disability, such as lease/mortgage payments, business insurance premiums, utilities and employee salaries. Essentially, it lets you "keep the doors open."
Workers Compensation Insurance
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Professional Liability Insurance
Professional liability insurance protects your company from claims, if your client should hold you responsible for errors, or the failure of your work to perform as promised in a contract.