Farmers Insurance Locations & Hours Near Morristown, TN -
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By: Christina W.
Cox Insurance Agency
Helped me in everyway possible didnt matter howmany times i had to call very friendly and professional things i didnt understand they took time to explain
By: Camille S.
Jim Smith - State Farm Insurance Agent
My family has been a customer of this for 30 years. My debit card became compromised in April and had a new one issued to me. Thus terminating the draft from State Farm for my insurance coverage. Instead of calling me to talk about it and find out what happened, They cancelled my policy without informing me. Not until July 6 did I call them to inquire about the missing drafts and renew my draft information. At this phone call, the employee never once told me that my policy had been terminated nor that they would have to write a new policy. I made a payment of two month's premium to cover the past 2 months, or so I was led to believe. I found out today, 3 weeks later, that I actually had no coverage from May 7- July 6 when they wrote the new policy and the money I paid did not go toward past months but towards a new doubled premium. Today I also found out that due to my change in driving record (which is true and not the issue here - I understand the insurance would increase slightly) State Farm has taken it up[on them selves to go ahead and terminate the NEW policy they wrote on July 7 and leave me without insurance once again. Basically, they took my money and covered me for the amount of time that would cover and then dropped me for no reason. After talking to Jim directly he was unwilling to make amends for the lack of competency of his employees. Now I am left without insurance and have a lapse of coverage greater than 30 days due to his incompetent employees. I would not recommend this agency to anyone.
Tips & Advices
Errors and omission insurance covers business-related mistakes that lead to injury of a third party, such as neglecting to file important papers.
While property, liability and workers’ compensation are the most common types of business insurance, other types include property, business interruption, and errors and omissions.
Business insurance does not cover professional liability (due to poorly performed work), the purchase of replacement equipment, vehicle accidents not related to work, or business lost due to damaged equipment.
Factors impacting the cost of business insurance premiums include the type of business, the risk involved, the size and number of employees, your experience in the industry, and location.
No. Business insurance covers general legal issues such as injuries that occur on your property and property damage. Professional insurance covers lawsuits focused on service such as charges of negligence, contractual disputes, etc.

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