Program Highlights

Our specialty insurance program is available in Tennessee, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Carolina, Ohio, Virginia, and Wisconsin.

Our program offers the following coverages:

  • General Liability
  • Professional Liability
  • Products/Completed Operations
  • Premises Liability
  • Employment Practices Liability
  • Property
  • Crime
  • Inland Marine
  • Auto
  • Bonds

These critical coverages are included at policy limits:

  • Professional Liability includes Bodily Injury and Property Damage arising from the insured’s professional services in teaching gun safety or other courses.
  • Sports Participant Legal Liability covers hunting, shooting, archery, and conservation organizations if an injured participant sues the insured despite having signed a waiver.

Liability Coverage may include:

  • Limits up to $1 million per occurrence
  • Professional Liability
  • Employees as Additional Insureds
  • Employment Practices Liability (claims-made coverage)
  • Fire Legal Liability – $100,000 (higher limits available)
  • Medical Expenses – $5,000
  • Personal and Advertising Injury
  • Newly-Acquired Organization – 90 days
  • Employee Benefits Liability (claims-made coverage)

Other Insurance Options and Coverage may include:

  • Electronic media and business interruption coverage
  • Crime – Employee Dishonesty
  • Mobile Equipment
  • Equipment and Tool Floaters
  • Auto (not available in Michigan)


  • License and Permit Bonds
  • Business Service Bonds
  • ERISA Bonds
  • CCW Bond – Concealed Carry Criminal Defense Bond

Property Coverage may include:

  • Building Coverage
  • Contents Coverage
  • Business Income (extra expense and 0 hour waiting)
  • Equipment Breakdown on building and contents
  • Mine Subsidence (available for specific counties in IL and IN)
  • Earthquake
  • Utility service – direct damage
  • Utility service – time element

Note: Coverages may not be available in all states.

Areas Served

areas served

Gun Sales Ineligible – No FFL Coverage


morency insurance

Kevin Morency
Morency & Associates, Inc
1194 Long Hollow Pike
Gallatin, TN 37066

615-452-4532    (Office)
877-244-9090    (Toll-Free)
615-452-6580    (Fax)
Kevin Morency  (Email)