Lance Hendrix Agency

05/26/2026

Ambassador Spotlight: Lance Hendrix with Lance Hendrix Agency

Lance helps connect, support, and engage our business community. We’re proud to have him representing the Shoals Chamber of Commerce!

05/18/2026

Need a commercial insurance quote? Let's get to work.
If you run a business in the Shoals contractor, shop owner, landlord, Ect... and you want a real quote without the runaround, fill out the form below.
I shop multiple carriers to find you the right coverage at the right price.
Right now I'm actively quoting and taking on new clients. Whether it's General Liability, Workers' Comp, Commercial Auto, or a full BOP send it over and I'll get you numbers.
👉 https://form.jotform.com/Hendrix_Lance/quote-intake
Lance Hendrix Agency | Licensed in AL & TN

05/13/2026

“We got your insurance cheaper.”

"Cool! What got removed to do it?"

That’s the question more business owners need to ask.

This week I reviewed a commercial policy where Completed Operations coverage had been excluded.

Most owners would never notice it buried in the forms.

But that one exclusion can completely change what happens when a claim shows up AFTER the work is finished.

And that’s usually when businesses find out what they actually bought.

Commercial insurance is full of policies that LOOK protected until you read the exclusions.

Price matters.
But coverage gaps matter a whole lot more when lawyers get involved.

If you own a business, ask your agent this simple question:

“What claims would NOT be covered under my policy?”

The answer tells you more than the premium ever will.

05/05/2026

Had a contractor call me a few weeks back after his GL claim got denied. The work was legit. The damage was real. The claim still got kicked because the exact type of work he was doing was excluded in his policy. He never knew until it cost him.

That's the part most guys miss. It's not what your policy covers. It's what's quietly excluded that ends careers.

If nobody's walked you through your policy line by line, send it over. I'll tell you straight what's missing and what it'd take to fix.

30 seconds to start. No pitch, no obligation.
https://quotes.lancehendrixagency.com/commercial-insurance

04/28/2026

Shoals contractors!
Do you actually know what your insurance doesn’t cover?
Not what it says it covers… what it doesn’t.
That’s where the problems usually are.

03/20/2026

We will be closed Friday, March 20th.
We will be attending the Hadrian grand opening in Cherokee. Be Back Monday. 😁

02/14/2026

01/24/2026

An amazing group of people here. If you need hearing help go see them.

01/23/2026

❄️ Winter storm incoming — protect your home now.

Before temperatures drop:
• Wrap all outdoor faucets
• Leave faucets dripping overnight
• Open cabinets under sinks on exterior walls
• Check vacant or rental properties

Frozen pipes and water damage are some of the most common — and costly — winter claims we see. A few minutes of prevention can save thousands in repairs.

01/04/2026

A quick reality check for business owners:

Your insurance program doesn’t fail when something happens.

It fails when you find out after the fact that everyone assumed something different.

Owner assumption.
Agent assumption.
Carrier assumption.

That gap is where problems live.

If you’ve never walked through your coverage the same way you walk through financials, that’s not conservative—that’s blind.