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Providing affordable coverage for all the things you care about

At Strate Insurance Group, we offer family insurance and business insurance, as well as employee benefits and financial services.

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We Are WBENC-Certified

A gold standard certification for a gold standard business.

Strate Insurance Group, Inc., a risk management and insurance firm, is nationally certified as a Women’s Business Enterprise by the WBENC South, a regional certifying partner of the WBENC.

Strate has a wonderfully refreshing approach to insurance. You're always talking to the same people each time you call, they're super prompt which is great for emergencies, and they really care about protecting their clients from the most likely risks they might encounter without pushing excessive or exorbitant coverage.

Manjit B.Business Insurance Customer

Special Event Insurance

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Small Business Insurance

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No matter what you need, we’re here to help.

The true test of our work is when an event occurs and the insurance responds

We will be by your side when the worst happens.

Giving our customers freedom of choice for more than 40 years

Strate Insurance Group is a Trusted Choice independent insurance agency, which means we have the freedom to shop from multiple insurance carriers, not just one.
Strate Talk from Our Team
There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Family InsuranceBusiness InsuranceEmployee Benefits
Risk Management
Risk Management
Risk Factor

Every business faces risk. The level and type of risk will vary based on multiple factors including industry, size, and location, among others. Risk can never be fully eliminated, but it can be reduced.


Risk management is the practice of taking proactive steps to identify and mitigate risk. It’s a broad topic that involves many areas of a business, from personnel and technology to safety and compliance. Risk management can not only help a business identify what risks need to be insured, it can also pinpoint ways to reduce.

Risk Factor

Staying compliant is hard. The laws for many facets of business are ever-changing. Employee handbooks can become out of date. Employment and other contracts can contain problematic language if not handled properly. Employee relations and human resources concerns can get complicated.


There are insurance coverages like employment practices liability insurance (EPLI) and directors and officers liability insurance (D&O) that can help pay for the legal costs of defending lawsuits against the business, but risk management can help shed light on areas of the business where process improvement and consistent practices could help avoid litigation.

Employee Training
Risk Factor

Employees can make mistakes for a number of reasons. Sometimes, it’s simply the result of a lack of education. Some businesses may choose to skip training because they don’t have the time or resources to devote, but this can lead to mistakes and accidents.


Conducting employee training can reduce risk. For example, sexual harassment training often helps businesses avoid lawsuits. Safety training is essential to avoid workplace injuries. Many insurers will help companies provide employee training as a cost-saving measure.

OSHA Requirements
Risk Factor

The Occupational Safety and Health Administration (OSHA) sets and enforces standards aimed at ensuring the environment in which employees work is safe and healthful. Employers are required to comply with these standards and OSHA may audit workplaces to verify compliance. Employers that fail to comply can be faced with hefty fines.


Lockout/tagout, hazard communication, and powered industrial trucks standards, among others, all require specialized programs. Utilizing outside resources to create and train employees on these programs can be a cost-effective solution that ensures your business is doing everything possible to meet required standards.

Safe Driving
Risk Factor

If your business involves driving, you know that safety is paramount. Failure to drive safely not only endangers the lives of your employees and the general public, but it can also have costly repercussions for the business.


Increasing driver safety is a cost-effective risk management tool. Classes and seminars can be effective resources. Telematic programs allow businesses to see every move a driver makes. Driving simulators can offer hands on training for drivers of trucks, school buses, agricultural haulers, and other vehicles to prepare them for scenarios they may face out on the road.

Location Hazards
Risk Factor

When it comes to weather and natural disaster related losses, where your business is located impacts the kinds and level of risk it faces. Fires, hurricanes, blizzards, tornadoes, earthquakes and other events can cause major losses to your business.


While it’s impossible to control the weather, it is possible to lower the risks the weather poses. Risk management involves assessing which events are most likely and what steps a business can take to protect their building and contents, their employees, and other systems.

Risk Factor

Technology failures can be extremely detrimental to an organization. Problems can arise from power outages or surges, cyber-attacks, or telephone and communication failures.


Understanding what risks the technology your business uses is susceptible to, the processes a tech failure could affect, and how to prevent losses from tech failures is an essential part of risk management. This can help determine the proper insurance policies that are needed, such as cyber liability, property, and business interruption coverage.

About Strate Insurance Group, Inc.

Strate Insurance Group, Inc is an independent insurance agency founded in 1978 by Jack and Tom Strate (father and son). We have always offered family and business insurance, as well as employee group benefits, and we recently started offering a wide array of financial services products as well. 

Some of our specialties at Strate Insurance Group include home insuranceauto insuranceboat insurancelife insurancebrewery insurancenon-profit insurance, and dental practice insuranceOver the years our team has grown from a team of 2, to a team of 20, proudly serving the Tennessee area including Morristown, TN, Knoxville, TN and the Tri-Cities area in Tennessee.

At Strate Insurance Group, Inc, we have an independent spirit. This is in our business, but also very cultural to East Tennessee. We take a lot of pride in the work we do, how we help and serve our clients, and how we take care of each other as colleagues.

Chubb Cornerstone Status

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