Business Details
50+ Years
experience
Your Independent Insurance Experts in Kentucky & Tennessee
Harris Insurance Agency has served as a trusted independent insurance provider since 1934, specializing in comprehensive personal and business insurance solutions for communities in Southeast Kentucky and Northeast Tennessee. With offices in Harlan, KY, and Johnson City, TN, we combine over 90 years of local expertise with access to 25+ top-rated carriers to deliver tailored coverage options. Our team of licensed professionals prioritizes personalized service, offering more than 50 insurance coverage types while maintaining a commitment to transparency and client-centered guidance.We emphasize proactive risk management through educational resources and specialized products like umbrella policies, flood insurance, and collector car coverage, ensuring clients receive both protection and informed counsel.
Services
Home Insurance
Auto Insurance
Business Insurance
Flood Insurance
Life Insurance
Workers Compensation
Surety Bonds
Trucking Insurance
Motorcycle Insurance
General Liability
Details
- Year established: 1934
Highlights and features
- 90+ years of combined local insurance expertise serving Kentucky and Tennessee
- Independent agency partnering with 25+ top-rated insurance carriers
- Personalized service from licensed agents with regional market knowledge
- Access to 50+ specialized insurance coverage options for individuals and businesses
- Proactive risk management guidance through educational resources and safety initiatives
What people say
Pleased to work with
Within walking distance
Easy to stop in
Able to make recommendations
Services
Home Insurance
We provide comprehensive home insurance protecting against fire, water damage, personal liability, and natural disasters. Our policies include replacement cost coverage for structures and contents, with optional endorsements for flood protection and valuable items. Specialized coverage options address unique risks like trampoline liability and wine collection protection.
Business Insurance
Our commercial insurance packages protect businesses with liability coverage, workers compensation, trucking insurance, and surety bonds. We offer general liability for property damage and personal injury claims, along with specialized coverage for commercial vehicles and equipment. Policies can be customized with umbrella protection for enhanced liability limits.
Flood Insurance
We offer flood insurance through the National Flood Insurance Program and private carriers. Policies cover structural damage and contents from inland flooding not included in standard home insurance. Our experts help determine flood risk factors and recommend appropriate coverage limits based on property location and elevation.
Auto Insurance
Our auto insurance policies provide liability and physical damage coverage for personal and commercial vehicles. Options include comprehensive coverage for non-collision incidents, uninsured motorist protection, and specialized plans for motorcycles and collector cars. We offer flexible payment options and 24/7 claims reporting.
Workers Compensation
We provide workers compensation insurance covering job-related injuries and illnesses. Policies include medical expense coverage and wage replacement for employees while ensuring business compliance with state regulations. Our agents help businesses implement safety programs to reduce workplace risks and insurance costs.
Questions
What types of insurance does Harris Insurance Agency offer?
We provide personal insurance (home, auto, life) and business insurance (workers compensation, liability) with 50+ coverage options through 25+ carriers.
How does Harris Insurance help clients choose coverage?
Our experienced agents analyze individual needs and regional risks to recommend customized insurance solutions that balance protection and affordability.
Which areas does Harris Insurance Agency serve?
We serve Southeast Kentucky and Northeast Tennessee, including Harlan County, Johnson City, Kingsport, and Bristol.
How can I file a claim with Harris Insurance?
Report claims through our 24/7 client center or contact your dedicated agent directly for immediate assistance with the claims process.
How long has Harris Insurance been in business?
Since 1934, we've provided continuous insurance services as Kentucky's oldest and largest independent agency.
Reviews (2)
Boone Allison
Nov 13, 2021
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The staff at Harris Insurance have always treated me like family. They work diligently to provide the best value insurance. They are, without a doubt, the best insurance agency in Harlan!
G. H.
Apr 22, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
We have been insured with Harris Insurance for more than forty years. They have always been very helpful, friendly and professional. They make insurance easy to understand and go out of their way to help you. They've earned our trust.
We have been insured with Harris Insurance for more than forty years. They have always been very helpful, friendly and professional. They make insurance easy to understand and go out of their way to help you. They've earned our trust.