"We take pride in ALWAYS being there for our clients. We see every relationship as an opportunity to personally provide value, understanding, education and customized solutions - that exceed expectations."
Welcome to Watauga Insurance, Inc.
Insurance exists for your financial stability and protection, and who advises you is just as important as who insures you.
Watauga Insurance is a Tennessee Multi-Lines Independent Insurance Agency serving families, individuals and businesses throughout our region.
Through integrity and experience we are actively dedicated in helping people just like you find increased value and savings with insurance costs without just exposing you to the possibility of financial loss beyond your means or interests. And in today's world... that's really saying something.
As an independent agent, we represent many insurance companies. Our role is to serve as a trusted advisor. We will consult with you to help you understand your needs before recommending the best combination of coverage, service, and value for your unique situation.
Identify the insurance services that are right for you
Guide you through the claims process for a quick and fair resolution
Counsel you on matters related to your coverage or account
Provide prompt service with a unique personal touch
We won’t simply sell you a product—we will be a resource you can count on to look out for your best interests.
We're in business to provide broad market insurance solutions for both commercial and personal insurance needs. All backed by our dedicated team of local experienced insurance professionals and representing a number of the best insurers available anywhere:
Personal Insurance for your autos, home, motorcycles, boats, recreational vehicles, liabilities and so much more.
Business Insurance designed around your specific needs and unique risks.
Group Benefits designed around your needs to serve your businesses greatest assets and resources.
Life and Health Insurance fit for any lifestyle and budget.
World-Class Service and Support that's responsive and friendly every step of the way.
DISCLAIMER: This Web site provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.
Watauga Insurance, Inc. 201 West Watauga Avenue Johnson City, TN 37604
When leasing a building for your business, you have an obligation as a tenant to compensate the building owner for damage caused by your operations. It pays to be familiar with your insurance policy to assure that you have no coverage gaps or surprises in the event of a loss.
Almost every standardized commercial insurance policy provides tenants with some coverage for certain types of loss under these circumstances. This coverage can usually be found in a Commercial General Liability endorsement and is usually very limited.
Historically, the endorsement was known as “Fire Damage Legal Liability,” which explains some of the coverage limitations found in many policies. Generally, insurance protection: Check out the Blog for more info!!! ... Expand
Data breaches make the news when big retail chains get hit with a cyber attack. You may even be notified of the breach by the retailer if they have reason to believe your data was compromised. Or, you may read about data breaches when you receive a new credit card or are offered identity theft protection. What you might not hear about are the cases where a business owner goes bankrupt after a data breach. A 2012 study by the National Cyber Security Alliance found that 60 percent of small to midsize businesses that suffered a breach went out of business within six months.
FIRST LINE OF DEFENSE
Your first line of defense as a business owner is to educate yourself on how to prevent or mitigate a breach. Follow news reports, and take advantage of online materials available to help you prepare for and respond to cyber attacks.
SECOND LINE OF DEFENSE!!
Your local independent insurance agent could be your second line of defense, providing information about Internet exposures and insurance products. Any business that handles private information is at risk of breach and subject to cyber exposures. Private information includes personal identifiers (Social Security numbers, birth dates, driver’s license numbers, etc.), financial information (bank or investment accounts, credit cards, etc.), medical or medical claim history, employee personal data or student records. Companies that use third parties to process their transactions or record keeping, such as payroll, employee benefits or billing, also have the potential for a cyber loss. Consider the possibility of that third party experiencing a data breach where you might be ultimately responsible for the breached records.
WHY BUY CYBER INSURANCE?
Cyber insurance can reimburse for expenses incurred such as:
Check out the blog to find out more!!!! ... Expand