Running your business can sometimes feel like hitting a never-ending set of hurdles. With our help, you can clear any hurdles in your way without breaking your stride—or a sweat. THW Insurance Services specializes in providing a wide selection of health insurance and voluntary benefit products, as well as commercial insurance. We know the challenges you face and can help boost your employee satisfaction and retention. Contact THW today at (615) 443-3849 to keep your business ahead of the pack and race-ready.  

We would like to thank everyone that came and visited our table at the Wilson Bank & Trust Holiday Extravaganza. A great time was had by all. Don't forget to call one of the THW girls to get your Commercial, Home or Auto quote today. See what THW Insurance can save you today!  Lori Carter - 615-466-9740 Meagan Harvey 615-443-6530 Shannon Smith 615-444-5258

We live in an era in which we rely on technology during our day-to-day life in the workplace and at home. This reliance will continue to rise with recent innovative developments in technology because it makes our life easier. However, it is crucial to be aware of the information that you are putting out on the World Wide Web because unfortunately there are predators lurking to steal your personal data and your business’s data. Here at THW, we offer cybersecurity insurance to help safeguard your personal data in the case of identity theft and coverage for your business if a cyber security incident occurs.   Since cybersecurity is a newer insurance policy, it is often misunderstood. Cybersecurity Insurance is standalone coverage. It provides a response plan for companies, whose data is lost due to a security breach or other cyber occurrence, such as a network outage or service interruption ...

If you are young, healthy, and have not visited the doctor more than twice a year, you may be interested in changing your old health insurance plan to a high deductible health plan (HDHP). An HDHP is a better choice for you because it offers lower monthly premiums in exchange for a higher deductible. A HDHP is often paired with a health savings account (HSA) that allows you and/or your employer to contribute tax deductibles, which you can later use to pay for your medical expenses, tax free! Before you consider switching plans, it is important to remember the purpose of  health insurance. Health insurance is a way to cover you financially in the event of something that would require a high cost, not a way to cut costs that might occasionally come up within a given year. So, is an HDHP the best insurance plan for you? Yes, if you are under 50 years old, in good health, and have no serious ...

Automobile safety is always an important topic. Whether it’s being intentional about driving according to the speed limit or being extra alert when changing lanes, there are obvious ways to adhere to a safe driving experience. However, young drivers often find themselves in dangerous driving situations due to either a lack of experience and knowledge or from peer pressure and the temptation to go beyond regular driving practices. With the help of technology, though, parents can monitor their teen’s habits and possibly prevent accident, injury, and even death. Here are some of the ways that parents can be more involved in their teenager’s driving habits. Speed: Many automobile companies offer ways for parents of teen drivers to check in on how fast their teens are actually driving. Chevrolet offers a system that allows parents to place a restriction on how fast the teen driver can go befo ...

Something that our team here at THW takes very seriously is automobile safety. As automobile deaths are proven to be occurring more and more frequently, it is the perfect time to really stop and take time to consider how to achieve the safest driving conditions as possible. Something that may be contributing to the steady incline in automobile related accidents, and even fatal crashes, could potentially be the rise in the use of technology in vehicles. Think about it—the more there is to do in your car besides entirely focusing on driving, the more likely you are to become a distracted driver. From the use of GPS apps on mobile phones to adjusting music on a handheld device, there are so many ways to utilize technology while driving. Although the use of smart interfaces in dashboards can be a sure way to limit the number of times drivers turn to their phones, it can still pose a huge ris ...

NEWS RELEASE                                                  Westfield Insurance Foundation’s Legacy of Caring Fund Benefits Cumberland University Lebanon, TN, 06/05/2017, -- Cumberland University received a grant from Westfield Insurance Foundation thanks to the help of THW Insurance Services, LLC.  The grant is part of the Westfield Legacy of Caring program, which invites Westfield independent insurance agents to nominate a local nonprofit in the areas of disaster recovery, insurance pathways, family stability or safety.     “Thanks to the generous donation from Westfield Insurance Foundation, we can increase our efforts toward scholarship funding for Family Stability said Cumberland University.   “We have strong relationships with our agents, and we value the important role they play in their communities,” said Ed Largent, Westfield President, CEO, board chair and Westfield Insuranc ...

WOW!  What great support for our tennis tournament and clinic.  On such a warm day, the refreshments kept us going.  The t-shirts are awesome and I am sure we will see them around the neighborhood all summer.  Everyone is bragging on the hats and visors, too.   Best of all, was the gracious hospitality of the Wilson Bank and THW staff members in attendance.  Giving up your Saturday morning to be here with us is very very much appreciated.  You are so kind and great represenatives of your institutions.   Sincerely, Dave    

We are truly honored and want to send a sincere thank you to everyone that took the time to vote for THW Insurance Services as The Best Insurance Agent in Wilson County by The Wilson Post readers. We are your hometown agents and your hometown team. Stop in and see us, we service all surrounding areas of Wilson County. 

THW Insurance Services, LLC recognized as elite Trilogy Agency by Westfield Insurance Lebanon, TN,  THW Insurance Services, LLC, a locally owned independent insurance agency, was recently recognized by Westfield Insurance as a Trilogy Agency.  The Trilogy designation signifies the agency has been deemed among the “best of the best” by Westfield Insurance, representing only 7% of Westfield’s agency force across the country. Westfield is represented by some of the best Independent Agencies in the business, taking great care and consideration in choosing their agency partners.  Westfield conducts a comprehensive biannual Agency Review process, evaluating agencies on the strength of their partnership with Westfield, business growth, how well agencies are positioned for future success, their approach to customer service, strategic alignment with the entire Westfield organization and even the ...

Although it certainly doesn't look like it right now in certain portions of the country, the spring season is upon us. With the snow and ice this winter brought, the harsh weather likely took its toll on the exterior of your home. To best refresh your home’s exterior, and interior, after the winter weather, here are a few typical problem areas to look at:Looking for water damageThe accumulated snow and slush of the winter does a number on the gutters of most homes. Left uncleaned, the melting precipitation can overflow gutters and damage eaves. According to Houzz, an online homeowner's resource and marketplace, this might provide a point of entry for rodents and other pests to crawl through your attic or top floor. If you didn't get a lot of snow, you can probably take care of ice and snow removal yourself with a ladder and scraper, but if winter was rough or damage to your roof line h ...

One of the best ways to avoid catastrophe is to focus on prevention measures. Did you know that water expands in volume by nine percent when it freezes? This means that when water freezes inside of your pipes, it can easily cause the pipes to rupture. Once pipes rupture, it can cause leaks that can then lead to water damage, mold, and other hazardous situations. Specialists are usually needed to mediate the situations when pipes burst, so it is best to avoid the rupture altogether. Freezing pipes eventually thaw out and the water then leaks into other areas. The areas that aren’t typically used to frozen temperatures pose the most risks and should be approached with the most caution. In order to have the best chances of avoiding freezing pipes, try using CPVC & PVC pipes because they are more flexible than copper. CPVC and PVC pipes can handle more pressure and frozen water than other ma ...

NEWS ON THE HILL SHARE 09 March 2017 House Introduces Legislation to Repeal and Replace ACA BY WYATT STEWART Earlier this week, Republicans in the U.S. House of Representatives introduced two pieces of legislation that would begin the process of repealing and replacing the Affordable Care Act (ACA). The Committee on Ways and Means reported one of the pieces of legislation last night. The other is pending in the Energy and Commerce Committee. Both are expected to be combined into the “American Health Care Act” before they make their way to the House floor. The legislation is expected to move through Congress using the budget reconciliation process, which only requires 51 votes in the U.S. Senate to pass legislation instead of the 60 votes it takes to end debate. Note that Congress is unable to repeal and replace the entire ACA using the reconciliation process. The Trump Administra ...

Winter is a beautiful time of year but it can also be a dangerous season since winter weather can cause devastating damage. As a business, it is smart for you to know the risks that these winter months bring so that you can know how to prepare. Although there are tons of risks in cold weather, there are a few risks in particular that come to mind first when thinking about blizzards, snow storms, ice, and sleet. These risks include pipe bursts and also slips and falls. Each of these two dangers is outlined below, along with the solution for coverage that we advise. Pipe bursts: As winter weather causes water to freeze, your pipes are at an increased risk of freezing. Pipe bursts tend to occur most often in the winter when there may be a couple of days without activity—perhaps during school breaks or slower times at the office. It is estimated that the most damage is done from pipe bursts— ...

Last year was a wonderful year for THW Insurance that was full of amazing memories. This year will be even better as we look ahead to working with new clients, developing deeper relationships with existing clients, and embracing all of the opportunities we have to help you thrive. Our mission here at THW is to provide insurance coverage that will help you feel confident, safe and secure in your business endeavors. Each day brings unlimited potential for you to reach your goals. As expected and unexpected events occur, we are with you each and every step of the way. We provide comprehensive business insurance and help any size business obtain coverage by shopping your coverage to many carriers. Since we are experts in this field, we want to help you navigate the confusing waters of business insurance. As 2017 in underway, we want to help your company get the most out of the rest of the ye ...

This time of year always brings people together. The holidays are a time for family gatherings and friends reuniting. As we find ourselves busy attending holiday parties, planning holiday gifts, and seeing loved ones, this season brings the perfect opportunity to stop and reflect on what it is that we are grateful for. Both tangible and intangible assets are important to consider during this time of reflection. Health, home, and financial security are just some of the things you may find yourself citing on your list of things to be thankful for. One of the most significant sources of gratitude for many people is the peace of mind they have for the future. By securing insurance coverage to fit your needs, you enable yourself to rest and reset when you need to, without worrying about unexpected incidents occurring that are out of your control. Life often provides us with unforeseeable chan ...

http://www.propertycasualty360.com/2016/11/23/home-fire-risk-more-than-doubles-on-thanksgiving-d?eNL=58359904160ba02a52bf202b&utm_source=PC360_PersonalLinesPro&utm_medium=EMC-Email_editorial&utm_campaign=11232016

Did you know that many lease agreements contain clauses that outline the responsibility of tenants in situations where the property is damaged? In many instances, the person leasing the property is deemed liable for any damage done to the property, regardless of cause. Are you aware of what you would be liable for if the property you lease becomes damaged? It is important to make sure you know and understand the terms of your leases and how to ensure that you will be protected in case something unfortunate and unexpected happens to the property under your care. Without proper insurance, you could face hefty costs that could drastically impact you and your quality of life. If something happens to the property you lease and it becomes damaged, you can be held liable. If you do not have sufficient insurance, the landlord has the ability to sue you for the damages done to the property that y ...

Umbrella insurance coverage is a type of liability insurance that protects you beyond the limits of most other types of insurance. An umbrella insurance policy takes over when your other policies hit or exceed their limits of coverage. In the event that all of your insurance policies exceed their limits, umbrella coverage can protect your assets such as your home, cars, and retirement funds. While most policies cover you for one specific type of coverage such as auto insurance, life insurance, or homeowners insurance, umbrella coverage is a single policy with coverage that extends beyond other policy limits. Umbrella coverage covers most of your financial life and takes care of the extra costs in case you exceed the limits on other policies. Umbrella coverage can be thought of in a literal sense, too—just as an umbrella covers your entire body in a rainstorm, umbrella coverage covers all ...

Workers’ Compensation is a state-mandated form of insurance that provides wage replacement and compensation to employees that have faced injury or illness due to the demands of their job. This form of insurance is often referred to as ‘Workman’s Comp’. The federal government administers a workers’ compensation program for federal and other specific employees, while each individual state has its own laws and programs.  Generally, an employee that suffers a work-related injury can receive compensation regardless of whether the employee or employer was at fault—or another party entirely. In exchange for these guaranteed benefits, employees typically forfeit their right to sue the employer for damages due to injuries. In Tennessee, nearly all businesses are required to purchase worker’s compensation insurance. In Tennessee’s recent Workers’ Compensation reform, employers are more likely to s ...

According to Bernard Health, there are several vital changes in regards to ACA (Affordable Care Act) Information Reporting for the 2016 tax year.  The 1095-C reporting processes will be different this year than they were last year and we want you to be prepared. As the next set of deadlines approaches, we want to make sure you are aware of the new changes so you are ready to file on time. Last year, there was a high level of leniency that allowed employers to file 2 months after the initial deadline. This next year will not have an extended deadline and will require diligence to ensure that the form is filed on time. However, there are more changes than just a new strict deadline. The changes include: Transition Relief:  There will not be transition relief this year, as the transition relief that was offered last year is officially ending. For the tax year of 2015, “Qualifying Offer Tra ...

The rise of technology calls for a rise in security. As more people rely on technology in their personal and professional lives, cyber security is becoming one of the most important aspects of our internet-driven world. Whether it is personal information including credit card data, health records, bank statements, or other highly sensitive information—an individual’s privacy online is crucial to maintaining a safe and positive digital experience. Businesses are also affected by cyber security, but carry even more risk than individuals. If a business has a breach in security, they risk losing data that has been entrusted to them. When there is a security interruption, a business doesn’t just jeopardize their own privacy, but the privacy of their entire network of employees, vendors, customers, and contacts.  Although breaches in security can cause severe consequences for individuals, busi ...

It's summertime, and millions of Americans will be enjoying some of the tastes of the season this year by firing up the grill. However, whether due to inattention or inexperience, many of these outdoor cooking plans will quite literally go up in smoke. Grilling accidents are among the more common causes of household fires that take place each year in the United States. According to the National Fire Protection Association, an estimated 8,900 home fires occur annually, stemming from the use of grills, hibachis and barbecues. These incidents can also lead to serious burns, frequently requiring medical attention. In 2014, as an example, approximately 16,600 people had to be sent to emergency rooms due to injuries involving grills, based on NFPA's data. And while Americans grill year-round, most fires happen between May and August. With the proper preparation and understanding of how to gril ...

Disability Insurance is something that most people don’t think about until they find themselves desperately needing it.  But what if we told you that every working person should have disability insurance? We believe it is in the best interest of all of our clients, whether they currently have a disability or not, to make sure that they are covered in the case of a major illness or disability. It can be easy to assume that one will always remain in the state of health that they are currently in, but 1 in 8 workers will be disabled for five or more years during their working careers. Furthermore, 2.6 years is about the average longer term disability absence. At any given time, 12% of the American population is classified as disabled (36 million). Although disabilities and illness vary in their severity, any person that develops a sickness that hinders one from working for an extended perio ...

Join THW and Wilson Bank & Trust for a Long Term Care Seminar. Get that facts and enjoy dinner. 

New Campaign Aims To Help Parents Select Correct Car Seat The campaign is about much more than making the buying process easier for parents; it's also about ensuring that their most precious cargo is protected from harm in the event of a car accident. It's estimated that nearly 60% of car seats are misused, NHTSA reports. Additionally, in cases when young children have been killed in automobile crashes, 33% were unbuckled at the time. Lisa Sherman, CEO for the Ad Council, the campaign sponsor, said that she's confident "Find The Right Seat" will help to clarify questions parents might have. "The right car seat can keep kids safe, and that's what we all want for our children," Sherman explained. "It's not enough for parents tothink they know which car seat is right for their children; they need to know for sure."   Selecting the right car seat for children shouldn't be difficult. In the ...

As seasons change, many people are faced with unexpected disasters that arise from severe weather. If a tree were to fall on your home or vehicle, THW Insurance wants to make sure that you know how you are protected. Although changing seasons can certainly be beautiful, there are extra precautions to take when preparing for the changes in weather. As spring blooms, there is often an increase in rainfall, and potentially other severe weather—such as tornadoes. This change in environment can potentially wreak havoc on your personal assets, such as a home or your vehicles. If disaster were to strike, do you know what your insurance plan would cover? It is important to know exactly what is covered in an emergency situation before you are ever faced with a disaster. Most basic homeowner insurance policies provide protection  if a tree were to fall on your home or vehicle due to severe weather ...

Spring is upon us—which means the season for road trips is right around the corner. But before you pack your bags and hit the road, it’s important to know what your auto insurance covers. The last thing you want on your vacation is to run into car trouble, and not know where you stand with your insurance. There are a few things you want to consider: If you are driving your own car, if you are renting a car, if other drivers are covered in your policy, and if you have roadside assistance. Out-of-State Coverage If you are driving your own car outside of state lines, the first thing you want to check is if your car insurance is covered in other places, and for most people, it does. While most states differ on what is entailed for auto insurance, the good news is that most auto insurance travels with you, as most policies include a broadening clause, which entitles the driver’s liability res ...

If you’re a business owner, there’s a good chance you’re familiar with taking risks—that’s part of the entrepreneurial spirit. But you’re also likely familiar with the overwhelming notion of multi-tasking, and trying to solve a lot of problems in one day. One problem that you shouldn’t have to worry about is liability insurance. You’ve surely been told that it’s one of the many things you need, but many business owners don’t have a true grasp as to what general liability insurance really is, much less whether it’s necessary. To save you from some research, we’ll break it down for you. In its simplest terms, commercial general liability insurance safeguards a company from claims that may be filed in the workplace- ranging from personal injury to property damage or potential negligence, and covers the financial obligations that can stem from these claims. In the event of a lawsuit filed a ...

The individual shared responsibility provision of the Affordable Care Act (ACA) requires you, your spouse, and your dependents to have qualifying health insurance for the entire year, report a health coverage exemption, or make a payment when you file your tax return. Many people already have minimum essential coverage and do not need to do anything more than maintain that coverage and report their coverage when they file their tax returns. This chart explains how the Affordable Care Act affects you: IF YOU… THEN YOU… Are a U.S. citizen or are a non-U.S. citizen living in the United States Must have qualifying health care coverage, qualify for a health coverage exemption, or make a payment when you file your tax return Have health coverage through an employer or under a government program such as Medicare, Medicaid and coverage for veterans for the entire year Just have to ch ...

On December 18, 2015 a federal budget bill for 2016 was passed by U.S. Congress and signed by President Obama. This bill makes significant changes to three Affordable Care Act (ACA) Taxes, and THW Insurance wants to guarantee that our clients are informed on the matter. The federal budget bill immediately went into effect, causing a two-year delay of the ACA’s Cadillac Tax until 2020, temporarily suspending collection of the health insurance providers fee until 2017, and delaying the medical devices tax for 2016 and 2017.  The Cadillac Tax, a 40 percent excise tax on high-cost group health coverage, was originally intended to begin in 2013. The tax was proposed as an incentive for businesses to select more economical health insurance plans for employees, thus raising capital to fund other ACA provisions.  The tax was designed so that if / when an employer-sponsored health plan were to ex ...