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William Blount & Associates Blog

View the latest blog posts from William Blount & Associates.

Teen Driver Statistics 2,163 teens ages 16 to 19 died from injuries caused by motor vehicle crashes in 2013.  243,243 teens ages 16 to 19 involved in automobile accidents sustained nonfatal injuries that were severe enough to require treatment in the emergency room in 2013. READ MORE >>

Prescription opioids are the number one workers’ compensation problem in terms of controlling the ultimate cost of indemnity losses. This comes from a recent Lockton Companies report that also states that there’s never been a more damaging impact on workers’ compensation claims than the abuse of opioid prescriptions for the management of chronic pain. READ MORE >>

Did You Know? When applying for life insurance, you will probably have to undergo a medical exam to determine your premium. These exams are done in your home by paramedical health care professionals who are hired by the insurance company. In addition to the exams, you will also have to provide information about your medical and family history. READ MORE >>

  When you have a client’s property in your possession for storage, repair or servicing, your exposure to the risk of damage is significant. Contents coverage included in your commercial property policy applies only to your property, and general liability policies exclude claims for loss or damage to others’ property that is in your care, custody or control. READ MORE >>

As an engineer or architect, you work in a highly skilled, detail-oriented industry and are expected to provide quality design services that are free of errors or omissions. Despite your expertise, knowledge and best intentions, the reality is that not all projects are error-free, and eventually a mistake or misjudgment is bound to occur. READ MORE >>

What Is Long-term Care and Who Needs It? Long-term care (LTC) refers to a wide array of medical care, personal assistance and social support services for people who are physically or mentally unable to independently care for themselves for an extended period of time. READ MORE >>

Automobile insurance serves as a safeguard against financial hardship in the event of an auto accident and assists in paying for damages if your company vehicle(s) is damaged, starts on fire or is stolen. Every state, with the exception of New Hampshire, requires all drivers to carry liability insurance. READ MORE >>

Ensure that your homeowners policy limits correspond to the cost to rebuild in case of a natural disaster, whether it is a wildfire, hurricane or flood. Unlike a home’s resale value (which includes the cost of the land), the cost to rebuild is based on the amount needed to hire a contractor plus building materials and other additional costs. READ MORE >>

  Most commercial properties use a form of insurance referred to as “specific coverage,” in which a specific property is insured for a named risk, such as fires, floods, thefts and more. However, specific coverage is also somewhat limited; oftentimes one policy will only cover one named risk at one location. READ MORE >>

The following are general guidelines for when you and your family should receive eye exams: If you have been diagnosed with a vision or eye condition problem, visit the eye doctor annually. Children age five and younger should have their vision checked every time they visit their pediatrician. READ MORE >>

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         Knoxville Main Office:   9700 Westland Dr, Suite 102, Knoxville, TN 37922
Knoxville Downtown Office:   130 W Jackson Ave, Suite 105, Knoxville, TN 37902
Nashville Office:   c/o Industrious, 1033 Demonbreun St, Suite 300, Nashville, TN 37203
 
This website is intended to stimulate dialogue about your protection and does not alter or interpret your insurance policies. Always refer to your policy for details about your coverage.