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Morrison & Fuson Insurance Agency
Learn more about our agency.
We are a family-owned and locally-operated independent insurance agency with one priority—superior service. At Morrison & Fuson Insurance Agency, we go above and beyond to make sure you’re taken care of and your insurance needs are met.
We operate around a set of core values and those values shine through in every customer interaction. When you work with us, you won’t feel like just another number on a spreadsheet. Five generations of our family have passed through these doors since we opened in 1908, and we want to make you feel like a part of our family.
You can trust that you’re working with experienced agents who only have your best interests at heart. We work with some of the nation’s top-rated insurance companies to bring you security and peace of mind, that way you don’t have to worry if your business, family, or employees are protected. We take care of the worrying for you.
The Solution To Your Insurance Needs
Providing a variety of business insurance, personal insurance, and employee benefits solutions is what Morrison & Fuson Insurance Agency does best.
Business Insurance
Coverage and risk management solutions for companies of all sizes.
Personal Insurance
Trusted advice and insurance solutions to protect what matters most.
Employee Benefits
Coverage that can help attract, retain, and protect your team.
Contractor Insurance and Manufacturer Insurance
We offer specialized insurance solutions for contractors and manufacturers to help protect them from the unique risks they face in their fields. Whether you’re a contractor or a manufacturer, we understand your industry and can help you find the right insurance coverage to meet your needs.
Why Choose Us?
- Protecting businesses and people for over 100 years.
- Family-owned business.
- Educated, experienced, and professional agency staff.
- Represent only A-rated companies.
- Servicing our clients is our #1 priority.
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God
We can do all things through Him who strengthens us.
Phil 4:13 -
Service
Exceed customer expectations in every way.
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Integrity
If in doubt, don’t!
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Hard Work
Success is no accident. It is hard work, perseverance, learning, studying, sacrifice, and, most of all, love of what you are doing or learning to do.
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Teamwork
It’s the way we work best.
God
We can do all things through Him who strengthens us.
Phil 4:13
Service
Exceed customer expectations in every way.
Integrity
If in doubt, don’t!
Hard Work
“Success is no accident. It is hard work, perseverance, learning, studying, sacrifice, and, most of all, love of what you are doing or learning to do.”
– Pele
Teamwork
It’s the way we work best.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.
Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.
If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Owning a secondary home has the potential of increasing your liability exposures.
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.
Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.
Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.
Home Insurance 101
Make sure you cover the unique risks you face with home insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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Find even more interactive graphics for manufacturer insurance, contractor insurance, and auto insurance.
“They took the stress out of the initial insurance application and have continued helping me as my family's needs have expanded.”
Deborah Rosenthal
“I have had other companies provide insurance for me in the past but none that meet their standards of service. I would highly recommend them to anyone.”
Wayne Kelley
“By a country mile the best customer service. And you can quote me.”
Ron Rigsby
Real clients. Real reviews. Real coverage.
“We have enjoyed working with Morrison & Fuson Insurance Agency for our insurance and bonding needs over the past several years. The management and staff are friendly, knowledgeable, and accessible.”
– Danny Williams
What Makes Morrison & Fuson Insurance Agency Special
Here’s what sets us apart when it comes to serving your insurance needs.
Fifth-Generation
Five generations of our family have passed through our doors, and we want to welcome you into it.
Clients Come First
We go the extra mile to exceed your expectations because service is our number one priority.
Experienced Agents
With extensive experience, we understand what it takes to bring you quality coverage.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
Contact Morrison & Fuson Insurance Agency
As an independent agency, we are here to help you find the right coverage.
Dickson, TN
104 Church St
Dickson, TN 37055
We are proud to serve Central Tennessee and customers throughout the state, with the ability to serve clients throughout the US and Canada.