Garrett - Thompson Insurance Advisors

Directions Website

Garrett - Thompson Insurance Advisors Garrett Thompson Insurance Advisors take a consultative approach to help our clients make informed d

FacebookA construction project is exposed to plenty of risks before the work is complete. Builder’s Risk Insurance may h...
09/15/2026

Facebook
A construction project is exposed to plenty of risks before the work is complete. Builder’s Risk Insurance may help protect a building under construction, along with certain materials and equipment on site, from covered losses during the project.

Coverage can vary, and Builder’s Risk is not a replacement for General Liability or workers’ compensation. It’s important to review what your project needs before work begins.

If you’re a contractor, general contractor, or tradesperson working in Murfreesboro or Rutherford County, Garrett Thompson Insurance Advisors can help you understand your options. DM us or call 615-502-2400.

Instagram
What protects a construction project while it’s still being built?

Builder’s Risk Insurance may help cover a building in progress and certain materials or equipment on site after a covered loss. It typically works alongside other important policies, such as General Liability and workers’ compensation.

Every project is different, so coverage details, limits, and exclusions matter. If you’re building in Murfreesboro or Rutherford County, DM us or call 615-502-2400 to learn more.



LinkedIn
For contractors and general contractors, insurance planning should begin before the first materials arrive. Builder’s Risk Insurance is designed to address certain risks to a construction project while it is in progress, including potential damage to the structure and covered materials or equipment.

It does not replace General Liability, workers’ compensation, or other coverage a construction business may need. Policy terms, exclusions, and project details should be reviewed carefully.

Garrett Thompson Insurance Advisors is a local resource for construction professionals in Murfreesboro and Rutherford County. DM us or call 615-502-2400 to discuss your project.

A lot of folks here in Murfreesboro ask me why their credit history matters when they are looking for Auto or Home Insur...
08/04/2026

A lot of folks here in Murfreesboro ask me why their credit history matters when they are looking for Auto or Home Insurance. It is a common question, and in Tennessee, it comes down to something called a Credit-Based Insurance Score.

This score is a bit different from the one a bank uses for a car loan. While a lender looks at how likely you are to pay back a loan, insurance companies use this score to help predict the likelihood of future claims. They look at factors like how long you have had credit and if you pay your bills on time.

The good news is that these scores are just one piece of the puzzle. Things like your driving record and the age of your home also play a big role. Understanding how these pieces fit together can help you make sure you are getting the right coverage for your family.

If you are curious about how your own score might be affecting your rates or just want to chat about your options in Rutherford County, feel free to DM me to learn more. We are always here to help our neighbors navigate these complex topics.

If you run a business here in Murfreesboro, you might be hearing some mixed news about the insurance market lately. Ther...
08/03/2026

If you run a business here in Murfreesboro, you might be hearing some mixed news about the insurance market lately. There is a bit of a two-speed trend happening that I think is important for our local owners to understand.

Lately, some of the very large corporations are starting to see their Commercial Insurance rates level off or even go down. However, many of our small businesses across Rutherford County are still seeing their premiums move in the opposite direction. It can be confusing when the national headlines do not seem to match what you are seeing on your own renewal notice.

This gap usually happens because larger firms have different ways of managing risk that are not always available to a local shop or service provider. For most of us, things like the rising cost of materials and local claims trends are still keeping the market a bit tight.

I wanted to share this update so you know you are not alone if you are noticing these changes. My job is to help you make sense of it all and find a strategy that works for your specific needs. If you have any questions about your coverage or just want a second set of eyes on your policy, feel free to DM me to learn more. We are always happy to be a resource for our neighbors.

Lately, I’ve been seeing more neighbors here in Murfreesboro asking about Life Insurance.According to data from the firs...
07/31/2026

Lately, I’ve been seeing more neighbors here in Murfreesboro asking about Life Insurance.

According to data from the first half of 2026, Life Insurance applications are up over 15% this year, with Term Life specifically seeing a 28% jump. It is a notable trend that suggests more families are prioritizing long-term security for their loved ones.

In my conversations with folks around Rutherford County, the common thread is peace of mind. People want to know that their family can stay in their home and maintain their lifestyle, even if the unexpected happens. It is less about the policy itself and more about the promise it keeps for the people you care about.

If you have questions about how these options work or if you are wondering if your current coverage still makes sense for your family, DM me to learn more. We are always happy to help our neighbors navigate these choices.

Have you noticed Home Insurance rates climbing lately here in Tennessee?Our state currently ranks 7th highest in the nat...
07/30/2026

Have you noticed Home Insurance rates climbing lately here in Tennessee?

Our state currently ranks 7th highest in the nation for Home Insurance costs. It is a trend we are seeing across the country, but it hits close to home here in Murfreesboro.

There are two main reasons for these increases. First, Middle Tennessee has experienced more frequent severe weather lately. Second, the cost of labor and building materials has risen significantly. This means it simply costs more to repair or rebuild a home today than it did a few years ago.

As your neighbor here in Rutherford County, I want to make sure you have the information you need to navigate these changes. Here are a few simple things you can do:

- Check your Home Insurance policy to ensure it matches current rebuilding costs.
- See if any recent home improvements, like a new roof, might qualify you for a discount.
- Consider bundling your Home and Auto Insurance for a simpler experience and potential savings.

We are here to help make sense of these complex topics. If you would like to review your current coverage or have any questions, please feel free to DM me or give us a call.

If you are a contractor here in Murfreesboro, your truck is probably carrying thousands of dollars in tools and equipmen...
07/29/2026

If you are a contractor here in Murfreesboro, your truck is probably carrying thousands of dollars in tools and equipment every single day. But here is something many local business owners do not realize until it is too late: your personal auto insurance policy likely will not cover your tools if they are stolen from your vehicle. Personal auto policies are designed for personal driving, leaving business equipment unprotected against theft, fire, or vandalism. To truly protect the gear that keeps your business running, you need a dedicated inland marine or contractor's equipment floater policy. If you want to review your current coverage and make sure your tools are fully protected, give us a call or DM us to chat.

For those of you in Murfreesboro making extra income with DoorDash or Uber Eats, there is an important update to Tenness...
07/29/2026

For those of you in Murfreesboro making extra income with DoorDash or Uber Eats, there is an important update to Tennessee law you should know about.

New regulations now require gig drivers to carry specific liability coverage while they are on the clock. Many people assume their standard Auto Insurance policy covers them during deliveries, but most personal policies actually have exclusions for business use. This means if you are out delivering around Rutherford County and an accident happens, you might not have the protection you expect.

The law change is designed to make sure both drivers and the community are better protected. It is a good time to check your current policy and see if you need a simple add-on to stay compliant.

If you have questions about how this affects your coverage, feel free to DM me or give us a call at the office. We are happy to help you look through the details.

For local contractors here in Murfreesboro and across Rutherford County, keeping your business protected starts with und...
07/28/2026

For local contractors here in Murfreesboro and across Rutherford County, keeping your business protected starts with understanding your coverage. Two of the most important policies you will need are General Liability and Workers' Compensation, but they cover completely different things. General Liability protects your business if someone gets hurt or property is damaged due to your operations, while Workers' Comp covers your employees if they are injured on the job. Knowing the difference helps ensure you do not have costly gaps when bidding on local jobs. If you have questions about structuring your coverage, give us a call or send us a DM. We are always here to help local business owners get it right.

Move-in day at MTSU is just around the corner. For many families here in Murfreesboro, August means packing up cars and ...
07/27/2026

Move-in day at MTSU is just around the corner. For many families here in Murfreesboro, August means packing up cars and helping students settle into their new homes.

As you’re checking off your list of essentials like bedding and textbooks, you might want to consider Renters Insurance. A common misconception is that a landlord’s insurance covers a tenant’s personal belongings. In reality, the landlord’s policy typically only covers the physical building.

A Renters Insurance policy is a simple way to protect your student’s laptop, furniture, and clothing against unexpected events like theft or fire. It also provides liability protection, which can offer some extra peace of mind while they are away from home.

Being a local agency in Rutherford County, we enjoy helping our neighbors make sure their college students are well-prepared for the semester ahead.

If you would like to chat about options for your student, feel free to DM me or give us a call at 615-502-2400.

Address

1500 Medical Center Parkway, Ste 3A-28
Murfreesboro, TN
37128

Opening Hours

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

Website

Alerts

Be the first to know and let us send you an email when Garrett - Thompson Insurance Advisors posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category