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MDM Covenant Insurance

MDM Covenant Insurance

wtucker­@mdmcov­.com

(615) 630-7400

761 Old Hickory Blvd Suite , Brentwood, TN

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BOUTIQUE INSURANCE BROKER WITH MAJOR BUYING POWER

We are a boutique insurance brokerage firm offering large broker buying power, creativity, and knowledge yet with a small agency feel.

Professional Services

MDM Covenant Insurance

(615) 630-7400

761 Old Hickory Blvd Suite , Brentwood, TN

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Workers’ Comp for Truckers and other transportation related companies including Parcel Delivery. We specialize in hard to place Workers’ Compensation risks – Truckers, Food Delivery, Parcel Delivery, Contractors, Landscapers, Tree Pruners, Masonry Contractors, Concrete Contractors, Window Washers, etc.

Workers’ Comp for Truckers and other transportation related companies including Parcel Delivery. We specialize in hard to place Workers’ Compensation risks – Truckers, Food Delivery, Parcel Delivery, Contractors, Landscapers, Tree Pruners, Masonry Contractors, Concrete Contractors, Window Washers, etc.

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Home, Auto, Rental Homes (including FL), Boat and Yacht, Recreation Vehicles, Valuables (Jewelry, Fine Art, Antiques), Umbrellas up to $20M We are tailored for the luxury homeowner with access to the best personal insurance companies in the country. We have excellent claims service and can handle any risk no matter the complexity.

Home, Auto, Rental Homes (including FL), Boat and Yacht, Recreation Vehicles, Valuables (Jewelry, Fine Art, Antiques), Umbrellas up to $20M We are tailored for the luxury homeowner with access to the best personal insurance companies in the country. We have excellent claims service and can handle any risk no matter the complexity.

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Liquor Liability, General Liability, Property, Workers Compensation, Umbrella, Auto We insure over 1,400 restaurants nationwide. We are restaurant insurance experts.

Liquor Liability, General Liability, Property, Workers Compensation, Umbrella, Auto We insure over 1,400 restaurants nationwide. We are restaurant insurance experts.

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Auto Liability, Physical Damage, Workers Compensation, Cargo Coverage, Non-Driver Coverage, Excess and Umbrella Coverage Let us help you with your transportation related insurance needs. We have the relationships and markets to get you the best coverage available for the cheapest price.

Auto Liability, Physical Damage, Workers Compensation, Cargo Coverage, Non-Driver Coverage, Excess and Umbrella Coverage Let us help you with your transportation related insurance needs. We have the relationships and markets to get you the best coverage available for the cheapest price.

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Workers Comp Insurance for Landscapers, Tree Trimmers, Etc.

There is nothing that makes a house look more beautiful than a freshly mowed lawn with beautifully landscaped gardens to compliment it. Landscaping and greenery enhance the look of a house, and we are here to provide insurance solutions including Workers’ Comp to companies who bring out the best in our neighborhoods and work spaces.

Whether you are a small, family-owned lawn service company or a large landscape or tree trimming company, we have designed a workers compensation program for you!

We understand that your business can be highly seasonal and liquidity and cash flow are crucial to your success. Our workers comp insurance program is set up to be paid as you work. So in your down-season your premium will be proportionately decreased.

Companies that fit into our workers comp insurance program have saved on average over 30% on their annual premium. So call or email us today to see if you are a candidate for our program.

Industries that we can help save money on their workers comp insurance:

- Landscapers

- Tree Trimmers

- Arborists

- Lawn Mowing companies

- Irrigation companies

- Landscape contractors

- Outdoor lighting companies

- Swimming pool contractors and maintenance

For more information and/or a free, no-obligations quote contact Will Tucker:

Will Tucker

Vice President

MDM Covenant Insurance

761 Old Hickory Blvd ste 107

Brentwood, TN 37027

Office: 615-590-4331

Fax: 615-630-7401

mdmcov.com

hilbgroup.com


WHY IS IT SO DIFFICULT TO GET LOW SPEED VEHICLE INSURANCE?

Low speed vehicles are a relatively new phenomena sweeping across the country. Whether it be street legal golf carts being used as local taxis or pedal taverns being rented for a group experience, people are enjoying low speed vehicles on a more frequent basis in more and more cities. Unfortunately, insurance availability has not caught up with the popularity of low speed vehicles.

Because the use of Low Speed Vehicles as a mode of transportation is so new, there is not enough historical data for insurance companies to adequately underwrite an LSV company’s risk, therefore auto liability insurance for street legal golf carts is often more expensive than auto liability for tractor trailers. BUT not to worry…we have designed an affordable insurance program for low speed vehicles. By working with numerous LSV companies, we have developed a program that meets the needs of LSV companies, is affordable,and complies with city ordinances.

Our program is at the forefront of this new frontier so not only are our prices by far the lowest available, but they will continue to be as our program grows.

Don’t hesitate…contact us today for low speed vehicle insurance including street legal golf carts now. Quotes are free and there is no obligation attached.

Contact:

Will Tucker

Vice President LSV Program

MDM Covenant Insurance

Wtucker@mdmcov.com

615-590-4331


Low Speed Vehicle Insurance

How to Insure and how to enjoy.

Summer is here which means that it is time to enjoy the city’s local eats, bars, or make the most of some great shopping. Low speed vehicles are a practical alternative for distances that are a little too far to walk but are still a short drive.

Especially if you live in a large metropolitan area, low speed vehicles like pedicabs or golf carts have become a popular way to transport people to their desired destination for less than the price of a car or taxi cab.

When you are thinking about taking in all that a city has to offer, it is much more appealing to be able to enjoy the city without having to sweat too much in the summer heat. LSV’s can help give you that desired experience!

While the nation is enjoying LSV’s, there is a void in the insurance industry for coverage options, but we have designed an insurance program specifically for low speed vehicles to make this option a safe and affordable choice.

Our Insurance program is designed to offer the following coverage:

Low Speed Vehicle Insurance

- LSV Auto Liability Insurance

- LSV General Liability Insurance

- LSV Workers Comp Insurance

- LSV Umbrella Coverage

Commercial Golf Cart Insurance

- Golf Cart Auto Liability Insurance

- Golf Cart General Liability Insurance

- Golf Cart Workers Comp Insurance

- Golf Cart Umbrella Coverage

Other Insurance

- Taxi Insurance

- Limousine Insurance

- Charter Bus Insurance

For more information and/or a free, no-obligations quote contact Will Tucker:

Will Tucker

Vice President

MDM Covenant Insurance

761 Old Hickory Blvd ste 107

Brentwood, TN 37027

Office: 615-590-4331

Fax: 615-630-7401

mdmcov.com

hilbgroup.com


Thinking of opening a restaurant in Nashville? How to be prepared to own a restaurant, bar or tavern in Greater Nashville:

Business ownership on its own is quite the beast. You may not realize it until you get into it a bit more, but owning a business is a big endeavor that can require most of your time and attention for the first few years. With Nashville growing (BOOMING, actually), more people are moving to the area and creating more demand for restaurants, bars and taverns to supply them with high quality food and alcoholic beverages. Adding alcohol to the mix adds another layer of appeal to potential customers, but understanding the added liabilities is necessary for your success as an owner. Below are some of the things to consider when opening a bar, restaurant or tavern in the Nashville area:

1) Location is everything!

You may think, “OH, my concept is good enough to get people to drive to a place they have never been to a little bit further out of town,” but this may not be true. You want to choose a convenient location for your new business where people can easily get access your services. With Nashville growing and public transportation proving to be an ongoing problem, you will want to eliminate any barrier of entry for people to get to you!

2) Alcohol Adds Risk

Alcohol service in your business in Nashville can add liabilities that include things you may have not even considered due to your rose colored glasses. With alcohol you have to consider assault and battery liability and liquor liability.

3) Protecting Your Bar or Restaurant in Nashville

Having the proper insurance proves beneficial when bad situations come about. You need to have protection in place for the above circumstances. Below is a breakdown of what Insurance Policies you need as a Restaurant, Bar, or Tavern Owner:

- Property Insurance: This covers your building in the event of a loss, e.g. fire, wind and hail, etc.

- General Liability Insurance: This line of coverage protects you and your business in the event of a covered loss like a slip and fall accident. When a loss like this happens it is critical that you have an agent that you trust and one that is willing to fight for you. We fight for you and when necessary we get our trusted friends at Sutherland and Belk to step in on your behalf.

- Liquor Liability Insurance: As an establishment serving alcohol, you have a responsibility to not over-serve your patrons and to never serve under-aged patrons. In the event that you over-serve a customer and they cause a car accident, you could be found liable. Liquor Liability protects you as an establishment serving alcohol.

- Workers Comp Insurance: In the state of TN you are required to have Workers’ Compensation Insurance if you have 3 full-time employees.

- Commercial Auto Insurance: Whether you have 1 car or a fleet of 100 cars you need Commercial Auto Insurance whether it be a traditional Auto Policy or a Hired and Non-Owned Auto Liability Policy that covers employees driving their own cars on company business including delivery.

- Umbrella Coverage Insurance: This policy provides an additional layer of liability coverage over your General Liability Policy, Liquor Liability Policy, Workers’ Comp Liability, and Commercial Auto Liability Policy.

- Crime/Assault & Battery Insurance: As a bar and/or tavern owner you have a heightened risk of an assault and battery loss occurring at your establishment. It is imperative that you make sure this coverage is included in your General Liability Policy.

4) Choose Quality!

As Nashville is growing, there is a higher and higher demand and awareness for high quality products and services. With the increase in population comes an increase in competition in every market. You must provide a quality product and service as a bar, restaurant or tavern in Nashville to stand out and be successful!

If you are considering opening a bar, restaurant or tavern in the greater Nashville area, please contact us for a custom built coverage plan that will insure you are protected and ready for success!


Insurance that cares as much as you do.

Integrated Workers’ Compensation solutions tailor-fit for your business, allowing you to focus on what you know best: transportation

Benefits include:

- Aggressive pricing: average savings of 30%

- Budget-friendly: our true pay-as-you-go system eliminates audits

- Multi-state coverage: admitted in all 50 states

- Unparalleled customer support: dedicated account manager

- Ease of doing business: instantly generate certificates 24 hours a day

- Risk management: providing the tools needed to create a safe work environment

- Attention to detail: aggressive in house claims management

- Ability to quote mid-term: why wait until renewal to start saving money

Contact Will Tucker at 615-590-4331

wtucker@mdmcov.com

About Us

We are a boutique insurance agency offering large broker buying power, creativity, and knowledge yet with a small agency feel. Although we are a general agency, meaning that we can help the vast majority of businesses with their insurance, we specialize in:

Transportation Insurance

- Trucking Companies – Long Haul Trucking, Reefers, Loggers, Flat Beds, Dump Trucks

- Distributors – Beer & Liquor, Food, Parcel Delivery

- Companies with fleets

Restaurant Insurance

- Quick Serve Restaurants – multi-locations including FL and along the coast

- Fine Dining

- Bars & Taverns

- Clubs

High-End and Luxury Personal Insurance

- Home – rental and vacation homes

- Auto

- Valuables

- Umbrella up to $20M

Contact Us Today!

Our clients Trust us:

- We provide big broker leverage, creativity, and knowledge with small agency service. Our principals were executives at some of the world's largest agencies. Our commitment is to bring a higher level of expertise to our clients.

- Large brokers focus only on large clients, and small agents don't have the leverage to negotiate the best terms. So middle market clients fall between the cracks. Our niche IS the middle market.

- We offer boutique servicing. Our Consultants average over 20 years of experience with global firms like Marsh, Willis, and Wachovia. When you call us, you’ll get a Principal, not a recent graduate. No bait & switch.

- We are consultants, not salesmen. You will be educated and advised, never sold.

- We are motivated and aggressive. We will negotiate the best terms for you.

- We service clients around the world from our offices in Nashville and Atlanta.

- As a Hilb Group company, we have increased leverage, expertise, options and resources for our clients.

See What One Of Our Clients Had To Say About Us!

Beth Dortch Franklin

Bowling Avenue, Nashville, TN 37205

I am delighted to have the opportunity to recommend my insurance advisor and agent, Will Tucker. Will represents the HILB GROUP dba MDM Covenant.

I have a unique story to tell and am so impressed with Will’s skills and service that I want to share the details.

A few years ago when Steve and I lived on Jackson Boulevard we were the victims of two significant robberies. (You may have read about the sterling bandit in Belle Meade). The size of the loss left us no choice but to file claims. The moment the claims were filed Will Tucker and his team worked on our behalf to recover the value of the collection. Many unique steps were taken by Will’s team to insure we received the maximum compensation.

One of the things that impressed me the most about the experience was Will’s understanding that not only the monetary loss was sizeable the sentimental value was gone forever. He handled every detail.

Of course, these losses left us with very few options for new protection. Will became our champion and placed us with new carriers for our various policies and continues to work each year to be certain we are receiving the best pricing, quality coverage, etc…. His advice is invaluable!

Will also specializes in additional homes (especially second homes in Florida), rental properties, auto, personal umbrellas; every area for you and your family’s insurance needs.

I know everyone has family, close friends and contacts, and current relationships for insurance. However, if you ever want a second opinion or an analysis of your current policies I highly recommend Will Tucker.

Please feel free to contact me if you would like details about any of the services Will provides for our family in business and personal insurance policies.

Have a great day!

Business Property & Casualty Insurance

Property Insurance

Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.

Property Insurance may cover two types of property losses:

- Direct losses may be covered when property is lost, stolen, damaged or destroyed.

- Indirect or consequential losses related to direct losses may also be covered.

Commercial General Liability Insurance

Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

- Premises and Operation

- Fire Damage Liability (damage by fire to premises rented to insured)

- Personal and Advertising Injury

- Medical Payments

- Products/Completed Operations

You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.

Business Auto Insurance

Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.

Workers' Compensation Insurance

Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.

Workers' Compensation provides for the payment of four types of benefits:

- Medical benefits

- Income benefits

- Death benefits

- Rehabilitation benefits

A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.

Restaurant Insurance

We are the “broker of choice” for over 1,400 restaurants in over 40 states nationwide. We have been able to consistently offer broad coverage and very competitive pricing due to the national Programs we have developed and the carrier relationships we have leveraged.

We were built for Restaurants! One of our original partners was a large, successful QSR franchisee. We know the challenges you face. We know how to protect your customers, your people, and your investment.

We have access to a restaurant program that very few agents have. We will show you options others cannot. 

We do not use off the shelf products. We tailor your coverage by using insurance carriers that also specialize in restaurants. We are confident that we will deliver the most favorable terms the market has to offer whether you are Quick Serve, Fast Casual, Family Style, or Fine Dining.

 

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