Skip to content
Click to Call
P3 Insurance Solutions

8295 Tournament Dr, Suite 150
Memphis, TN 38125

Get Directions

Is Commercial Insurance Required for My At-Home Crafts Business?

If you live in Memphis, TN and you have an at-home crafts business, you’re probably excited about having your own home business. Working from home and running a crafts business can be fun and lucrative. With running any business, there comes a great deal of responsibility when it comes to managing finances, ensuring your business is registered, and more. Is commercial insurance required for your at-home crafts business you might be wondering? The answer is yes, you do need commercial insurance.

Here is an explanation of why:

In the Event You’re Ever Sued

All businesses are at risk of having lawsuits brought against them, and if someone were to file a lawsuit against you and win the case, you would be required to pay out of pocket. This could potentially be a substantial amount of money, which could possibly cause you to file for bankruptcy. Commercial insurance can give you peace of mind, knowing that you can file a claim against your insurance should a lawsuit ever be brought against you. 

To Provide Coverage in Case of Damage 

Since you can’t ever predict if your business-related materials, equipment, or supplies might become damaged, having commercial insurance is a necessity. By ensuring that you’re adequately covered, any business-related items can be replaced or repaired, if it ever becomes necessary. 

As you can see, it doesn’t matter whether your crafts business is from home or at an outside location. Commercial insurance is necessary in case of liability. If you’re obtaining quotes from various Memphis, TN insurance agencies, don’t forget about us at P3 Insurance Solutions. At P3 Insurance Solutions, we provide all types of insurance products, including commercial insurance. We have been in business for decades, and we pride ourselves on providing excellent customer service and offering fair rates. Call us today for a quote. 

Why Every Homeowner Needs Home Insurance

If you own a home, chances are that you’re required to have home insurance to protect it and yourself. Virtually all mortgage lenders want to protect their investment by having the homeowner keep a home insurance policy. If you live in a neighborhood with a homeowner’s association, they also require their homeowners to have this insurance. It’s also important to protect yourself financially in case the worst should happen. When you need to get a home insurance policy, call us at P3 Insurance Solutions in Memphis, TN. 

Protection for Repairs

There are countless events, such as accidents and many disasters, that can happen to a home and leave it damaged. When this happens, it will cost a lot to repair the damage, even if it’s minor. Repair bills for homes are always going up, and it’s important to be able to pay them when they’re needed after something happens to cause damage. That’s the main reason behind needing home insurance. It can pay for those repairs so that you aren’t in a financial emergency. It can pay for even the worst damage after a covered event happens. 

Paying for Item Damage

If the event damages the items in your home, this policy can also pay for that. When items are destroyed in a covered event, they can be replaced with help from your home policy. This is also an essential type of coverage that home insurance provides. Getting everything in your home replaced, or even just a portion of it, can be an enormous expense. If you didn’t have this coverage, it may be impossible for everything to be replaced. 

Get Your Home Policy

If you’re buying a home, one of the first things you need to do is set up home insurance. To get started, just call us at P3 Insurance Solutions in Memphis, TN. 

Documents you should always carry in your vehicle

Knowing what documents you need to keep in your vehicle is essential if you are ever in an accident or are pulled over by the authorities for any other reason. You will be required to turn over some documents when asked. Knowing exactly where they are can save a lot of grief.  At P3 Insurance Solutions in Memphis, TN, we make sure that our customers have all the required documentation that is mandated by the state of Tennessee. 

Documents you should always carry in your vehicle


In Tennessee, you can renew your vehicle registration online, and then the registration and the striker will be mailed to you within a week or so. You place the sticker on the license plate and put the registration in your glove box. If you lose your registration certificate, it can be replaced by sending the appropriate documentation to the county clerk’s office. 

Insurance card

You are required to carry auto insurance in the state of Tennessee. You can opt for basic auto insurance, or you can get total coverage which includes protection for your vehicle. Whichever way you choose, when your auto insurance policy is mailed to you or you receive your digital copy, a copy of your insurance cards will be included. You will have to print them if you opt to receive your documents digitally. The nice thing is, that you can print another copy any time you want if they are misplaced. 

Driver’s license

Many people use their driver’s license as a form of identification. Therefore, it will usually be on their person at all times. This can be in a wallet or purse. But if you are in your vehicle, the driver’s license will be there with you. 

Consult With Us

Call our team at P3 Insurance Solutions in Memphis, TN when you have questions about auto insurance. We are happy to provide a no-obligation quote. 

Which Type of Commercial Policy Is Right for Your Business?

Do you own a business in the greater Memphis, TN area? If you have an established or new business, you might wonder which type of commercial policy is right for your needs. Fortunately, the team here at P3 Insurance Solutions is here to help. We’ll review the available options with you and help you get an appropriate policy to protect your needs.

Every Company’s Insurance Needs Are Different

Every company’s insurance needs are different. While there are many similarities, especially within certain industries, it’s best to find a policy that meets your firm’s specific needs. For example, businesses that are in the delivery business will need fleet coverage for their commercial vehicles. Other companies might need a significant amount of worker’s compensation protection.

Whatever coverage needs you might have, it’s important to work with a local agency that understands the community. Now is an ideal time to review your current insurance portfolio to determine that it meets all your needs. It’s also advisable to sit down with your agent at least once a year to go over any changes that may have occurred and update your policy as needed. The right insurance will help your company weather the ups and downs that come with owning a business.  

Comprehensive commercial policies are ideal for companies that want the peace of mind that comes with knowing they have the coverage they need to protect all their hard work and dedication.

Contact Us Today!

P3 Insurance Solutions is proud to serve the insurance needs of the Memphis, TN business community. If you’re starting a business or want to make sure that your established company has the appropriate coverage, we’re here to help. Contact our office today to schedule an appointment to learn more.

What You Should Know Before Renovating Your Home

There truly is no place like home, and there is also no better feeling than the peace of mind you get knowing your home is protected. At P3 Insurance Solutions, we can help you find the home insurance solutions residents in and around Memphis, TN deserve and need.

From remodeling and home renovations to repairs from incidents such as fire or storm damage, home insurance can also play a considerable role. Are the renovations or is your remodeling project expected to increase the value of your home? Does your home need repairs following a major storm?

At P3 Insurance Solutions, we can help you find the answers, and we offer solutions for home insurance needs for residents across the greater Memphis area. Insurance is only one thing to be aware of, however, before starting any home repairs or remodeling projects.

Before Remodeling or Renovating Your Home

While it is always a good idea to talk to your insurance agent before making any major home repairs or beginning any remodeling or renovation projects, there are also other factors homeowners should consider.


It is always important to have and keep a budget when doing any major remodeling or renovation work for your home. Few things are more problematic than an incomplete home construction project that has stalled because of budgeting problems.

DIY or Contract

Another important consideration of any major repair or reconstruction project is understanding what you can and cannot do. When you are faced with a project or parts of a project that falls outside your expertise and experience, don’t be afraid to get help.

Thank you for visiting P3 Insurance Solutions in Memphis, TN. If you are looking for home insurance options that work for you and your home, then look no further than P3 Insurance Solutions. Contact us to learn more and get the coverage you need today.

The Benefits of Comprehensive and Collision Coverage for Your Vehicle

A typical Memphis, TN auto insurance policy doesn’t cover your own vehicle and yourself. That’s where comprehensive and collision coverage comes in. Comprehensive and collision coverage are optional types of car insurance that pay to repair or replace your vehicle after certain events.

Comprehensive covers non-collision events, including theft, vandalism, fire, hail, flood, animal strikes, and falling objects. Collision covers collisions with other vehicles or objects while you are driving.

Here is a closer look at comprehensive and collision coverage from P3 Insurance Solutions.

Why You Should Consider Comprehensive and Collision Coverage 

If you have a newer or more valuable car, unexpected damage can cost you a lot of money out of pocket. Comprehensive and collision coverage pays for repairs or replacing your vehicle, minus the deductible.

Leasing or financing a vehicle often comes with insurance requirements beyond the bare minimum. Your lender may require you to carry comprehensive and collision coverage specifically. In this way, they can also protect their investments.

Unpredictable things, including unpredictable weather, can occur at any time. The extra protection provided by comprehensive and collision coverage gives you peace of mind. You know you’re covered for a wide range of scenarios.

What Makes Comprehensive and Collision Coverage Worth the Money?

Costs associated with adding comprehensive and collision can vary. Variables can include your vehicle’s make, model, year, and value, your driving history, your deductible amount, and your coverage limits. You can often include these coverage options in an overall auto insurance package.

How to Obtain Comprehensive and Collision Coverage?

If you are looking for comprehensive and collision coverage for your vehicle, aren’t sure if you need it, or just want to learn more about these and other coverage options, contact P3 Insurance Solutions. We are a local insurance agency that serves Memphis, TN and the surrounding areas. Contact us today.

A Comprehensive Guide to Commercial Insurance in Tennessee

Successful Tennessee business owners know that having the right commercial insurance policy can make or break their business. 

Why You Need Commercial Insurance in Tennessee

Many Tennessee business owners aren’t aware that they can get insurance coverage that can protect them from financial damage claims if a customer is seriously injured on their property while doing business or if there is an extended period of a work stoppage due to natural disasters or emergency events. 

What Does Commercial Insurance Typically Cover?

Commercial insurance protects your business from unexpected financial losses that can occur while doing business.

Small business owners in Tennessee who have commercial insurance are protected from financial losses from personal injury claims, property damage claims, and other lawsuits that can arise in doing business. 

Below are examples of common commercial insurance coverage:

  1. Business Interruption Insurance – protects your business in the event of an unexpected shutdown. 
  2. Commercial Auto Insurance – protect your company’s car or fleet of vehicles with auto insurance for businesses. 
  3. Liability Insurance – get coverage from general liability claims and financial protection. 
  4. Property Insurance – protects your business finances from property insurance claims. 
  5. Workers Compensation – a form of commercial insurance that covers your business and employees in case of an accident on the job. 

An experienced insurance agent at P3 Insurance Solutions in Memphis, TN can talk to you about the best options for covering your business property, buildings, and intellectual property and answer other questions about how to buy commercial insurance. 

Get Affordable Commercial Insurance in Tennessee

If your business needs insurance, don’t wait for an unexpected event to derail your business financially. Instead, contact us at P3 Insurance Solutions in Memphis, TN and get a free quote for commercial insurance today! 

Using Home Insurance As Peace of Mind

Home insurance is not required by law in Memphis, TN. Still, having a policy in place may be necessary if you want to get financing for your home. In addition to covering the mortgage you have on your house, home insurance provisions in your policy are there to protect your possessions.

Some people choose to keep home insurance on their home even after paying off any mortgages and loans tied to the house and its equity. Other people choose to forego the ongoing cost of home insurance in an attempt to save money by getting rid of monthly premiums. It’s important to remember, though, home insurance provides peace of mind in numerous ways.

Why Home Insurance?

1. Property Liability

Homeowners liability insurance will pay for medical expenses and other costs if a guest gets injured on your property, such as falling on a sidewalk. If required, the rising cost of defending yourself in court will also be covered by insurance. 

2. Expenses 

If something happens to your house, such as it burns down or a tree falls on it, you’ll need a temporary place to reside until the home is repaired or rebuilt. With home insurance, your policy will help cover the cost of finding temporary housing and residing away from home until construction and repairs are finished. 

3. Personal Possessions

A home insurance policy provides great peace of mind by covering the cost of your personal possessions in a number of scenarios. Such situations include those in which your home is destroyed or burglarized. In many home insurance policies, there is a clause that outlines how damage to a home is covered, even if it’s a result of pet damage. 

We Are Here To Help

If you’d like to learn more about home insurance and how it provides peace of mind, contact P3 Insurance Solutions serving the Memphis, TN area today. 

Will My Auto Insurance Policy Cover Me When Driving Out of State?

One of the questions that we at P3 Insurance Solutions, providing auto insurance to residents in the greater Memphis, TN area, are often asked is whether an auto insurance policy will cover a driver who may be driving out of state. We are happy to provide you with the answers. 

Will My Auto Insurance Policy Cover Me When Driving Out of State? 

Your auto insurance policy will cover you when you are traveling in or through any state within the United States, regardless of what state your policy originates from. This includes traveling for vacation, road trips, visiting family, or traveling to another state for work or school. It is important to note though, that your insurance company can decline coverage in another state if you moved to another state and did not change your policy to the new state you live in within the required timeframe. 

What If My Policy Is Less Than State Minimum Insurance in Other States? 

Different states have different minimum insurance requirements. If you have minimum insurance in one state, and you are traveling through a state that has a higher minimum insurance requirement, your policy will still cover you, and essentially automatically increases to meet the minimum requirement in other states you may be traveling in or through. 

Reach Out To Us

Auto accidents can happen if you are driving in your own state or if you are on a road trip and traveling in another state. Luckily, your auto insurance will cover you when you are driving within the United States. If you have any other questions about auto insurance or are looking for a new policy in Memphis. TN, P3 Insurance Solutions would love to help you out. Call or email us now to get started.    

Partner Carriers

  • Allstate
  • American Modern
  • Encompass
  • Farmers/Foremost
  • Guard
  • Liberty Mutual
  • Nationwide
  • National General
  • Progressive
  • Safeco
  • State Auto
  • The Hartford
  • Travelers