Personal Insurance
Personal insurance is just that, personal. No two situations are exactly alike, so policies vary case by case.
At Fred M. Smith & Son, Inc., our Personal Lines specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide.
We offer a number of personal insurance products including but not limited to 
the following:
- Homeowners
- Automobile
- Watercraft
- Motorcycle
- Rental Property
- Valuable Items
- Antiques
- Jewelry
- Collectors Items
- Recreational Vehicle
- Umbrella Liability
- Flood
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Commercial Insurance
Commercial insurance for your business can be a nightmare. No two businesses are ever alike. At Fred M. Smith & Son, Inc. our Commercial Lines specialists not only tailor a policy to fit your business’s needs, but also work diligently with you to avoid unnecessary exposures.
We offer a number of Commercial products including but not limited to the folowing:
- Business Owners (BOP)
- General Liability
- Automobile Liability
- Garage Liability
- Liquor Liability
- Professional Liability
- Property
- Crime
- Glass
- Automobile Physical Damage
- Tools & Equipment
- Motor Cargo
- Builders Risk
- Special Events
- Bonds
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Health Insurance
The rising cost of Health insurance has everyone scrambling for cover. Fred M. Smith & Son, Inc. can handle all kinds of Health insurance, from the smallest individual policy to the largest group plans.
Please contact our office for a consultation today.
Individuals may access the on-line Blue Cross/Blue Shield of Tennessee application by clicking on the link below.
Life Insurance 
Working hard to support your family, lifestyle, and education is a rewarding accomplishment. Let our Life consultants help you create a plan to take care of your family and provide for them.
Contact our office directly to speak with a consultant today.
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