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Monday 9:30am - 5:30pm Tuesday 9:30am - 5:30pm Wednesday 9:30am - 5:30pm Thursday 9:30am - 5:30pm Friday 9:30am - 5:30pm

RISE Insurance

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RISE Insurance is located in Chattanooga, TN but we help insure clients all over the country.

RISE Insurance is located in downtown Chattanooga, TN but we help insure people and companies all over the country. We specialize in top notch service and extensive market access to place your business with the best possible carrier at the best possible price.

10/16/2026

🚗 CAR REGISTERED IN TENNESSEE — BUT YOUR PRIMARY RESIDENCE IS IN ANOTHER STATE?

It may not be as simple as matching your insurance to your registration.

If you have a second home in Tennessee, the state where the car is registered, where it is normally kept, where you live, and how the vehicle is used can all matter when setting up your auto insurance.

🏡 Different home?
📍 Different garaging address?
🚗 Same vehicle?

Make sure your insurance agent knows the full picture so your coverage is set up correctly.

👉 Read our RISE blog to learn more! www.riseins.com/the-rise-blog/does-your-car-insurance-have-to-be-in-the-same-state-where-your-car-is-registered

📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

10/14/2026

🏠 THE SMART WAY TO MANAGE YOUR RENTAL PROPERTY

Owning a rental property can be rewarding—but managing tenants, maintenance, rent collection, and paperwork can quickly become a lot to handle.

A professional property manager can help save you time, reduce headaches, and keep your rental running smoothly. And don’t forget the insurance side—your property and rental income need the right protection, too. 🛡️

👉 Read our latest blog to learn about 10 benefits of working with a professional property manager. https://www.riseins.com/the-rise-blog/the-smart-way-to-manage-your-rental-property

📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

10/12/2026

Happy Columbus Day!

Today, we recognize a moment in history that became part of the story of our nation. Wishing you and your loved ones a safe and meaningful holiday.

📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

10/09/2026

🏢 Tennessee Condo Owners: 2026 Insurance Scoring Update
A specific Tennessee HO-6 insurance program is changing its insurance credit-scoring model in 2026.

📅 October 23, 2026 — New business
📅 December 10, 2026 — Renewals
📊 0.0% overall rate impact reported — but individual policy impacts can vary.

This update does not mean every Tennessee condo insurance policy is changing.

👉 If you own a condo in Tennessee, it may be a good time to review your HO-6 coverage and understand what could affect your premium at renewal.

📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

Read the full article:
www.riseins.com/the-rise-blog/tennessee-condo-owners-what-to-know-about-the-2026-insurance-scoring-update

10/07/2026

🚚 If your Tennessee business relies on work trucks, service vans, or delivery vehicles, commercial auto insurance is something worth keeping an eye on in 2026.

Claim severity, litigation, medical costs, and expensive vehicle repairs continue to put pressure on commercial auto insurance.

The good news? There are steps your business can take to manage its risk and make sure your coverage keeps up with how your vehicles are actually being used.

👉 Want to know what could be affecting your commercial auto coverage? Check out our latest blog. www.riseins.com/the-rise-blog/why-commercial-auto-insurance-is-still-a-challenge-for-tennessee-businesses-in-2026

📞 423-541-1111
🌐 http://www.riseins.com
📧 [email protected]

10/05/2026

🏗️ Building or renovating a property? Don’t assume that having Builder’s Risk and a contractor with General Liability means you’re fully protected.

The property owner’s liability coverage can depend on how the contractor’s policy is structured and whether the owner is properly included.

👉 Who is actually covered? What does Builder’s Risk protect? And when might Additional Insured or OCP coverage matter?
We break it down in our latest blog.

📞 423-541-1111
🌐 http://www.riseins.com
📧 [email protected]

Read the full article:
http://www.riseins.com/the-rise-blog/if-the-property-owner-buys-builders-risk-who-covers-the-owner-for-liability

10/02/2026

🚨 If you own a business in Tennessee, there’s an important workers’ compensation update you should know about.

A new Tennessee workers’ compensation filing took effect October 1, 2026, with an approved 4.8% increase in loss costs and assigned-risk rates compared with the levels effective March 1, 2026.

According to the Tennessee Department of Commerce & Insurance (TDCI).

But here’s the important part 👇

That does NOT automatically mean your workers’ comp premium will increase by 4.8%.
Your actual premium can also be affected by:

👷 Employee classifications
💰 Payroll
📊 Experience modification
🏢 Insurance carrier
📋 Other rating factors

If your workers’ comp policy is renewing soon, take a closer look at your renewal and make sure your payroll and employee classifications are accurate.
Not sure what the October rate change means for your business? RISE Insurance can help you review your workers’ compensation coverage.

📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

👉 Read the full article:
http://www.riseins.com/the-rise-blog/tennessee-workers-compensation-rates-changed-october-1-2026-what-businesses-need-to-know

09/30/2026

🔐 DOES GENERAL LIABILITY COVER CYBERATTACKS?

Your business has General Liability insurance.
So you're protected if something goes wrong… right?

But what happens when the problem is a hacker? 💻

A cyberattack or data breach can lead to:

🔒 Ransomware
📂 Stolen customer information
💻 Data recovery costs
⚖️ Legal expenses
📉 Lost business income
📢 Customer notification expenses

General Liability isn't designed to provide broad protection for these cyber risks.

That's where Cyber Liability Insurance may help.

Whether you're a small contractor, restaurant, retailer, professional office, or another Tennessee business, your business can have cyber exposure.

👉 Don't wait for a data breach to find out what your insurance covers.

📖 Learn more:
https://www.riseins.com/the-rise-blog/does-general-liability-cover-cyberattacks

RISE Insurance
Helping Tennessee businesses understand their coverage before they need it.

📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

09/28/2026

🔨 YOUR TOOLS BUILD YOUR BUSINESS. DOES YOUR INSURANCE PROTECT THEM?

For Tennessee contractors, tools and equipment can travel from the shop ➡️ truck ➡️ job site every day.

But what happens if they're stolen, damaged, or lost?

Your general liability insurance isn't designed to replace your business tools. Tools & Equipment Coverage—often associated with Inland Marine coverage—may help protect eligible equipment while it's being transported, stored, or used away from your primary business location.

Think about what you have at your job sites:

🛠️ Power tools
🔧 Hand tools
🏗️ Specialty equipment
🚜 Portable machinery
🚚 Equipment in trucks & trailers

👉 Don't wait until a theft or accident happens to find out how your tools are covered.

📖 Learn more:
https://www.riseins.com/the-rise-blog/why-contractors-may-need-tools-equipment-coverage

RISE Insurance
Helping Tennessee contractors protect what keeps their business moving.

📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

09/25/2026

🏢 YOUR BUILDING IS FINE… BUT YOUR BUSINESS CAN’T OPEN.

What happens to your income when a covered loss forces your business to temporarily close?

Your building may be insured—but what about the money you lose while you're unable to operate? 💰

That’s where Business Income / Business Interruption coverage may help.

Depending on your policy, coverage may help with eligible:
💰 Lost business income
👥 Payroll expenses
🏢 Continuing expenses
🚚 Temporary relocation
🔧 Extra expenses to keep operating

And here's something many business owners overlook:

You don't just need to insure your building. You need to think about what keeps your business running.

📖 Learn more:
https://www.riseins.com/the-rise-blog/your-building-is-fine-but-your-business-cant-open-are-you-covered

RISE Insurance
Helping Tennessee businesses prepare for the unexpected.

📞 423-541-1111
🌐 www.riseins.com
📧 [email protected]

Address

412 Georgia Avenue, Suite 202
Chattanooga, TN
37403

Opening Hours

Monday	9:30am - 5:30pm
Tuesday	9:30am - 5:30pm
Wednesday	9:30am - 5:30pm
Thursday	9:30am - 5:30pm
Friday	9:30am - 5:30pm

Telephone

+14235411111

Website

http://www.riseins.com/

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