Insurance Coverage for everything else.

At T.W. Morgan Insurance Services, we are always thinking out side of the box. When many insurance agencies pass on the difficult cases, not us. This is our passion to look at insurance differently. We find creative ways to find coverage at a savings for our customers. Providing excellent customer service and competitive rates, is what makes our customers stay with our agency at renewal. Sometimes we will lose a customer who is a price shopper however, they usually return when the high level of service is not available from the discount agent who doesn't have the experience or knowledge. Too often they find out they were sold a cut rate policy that doesn't stand up to our quality or integrity.

We have insurance programs for all types of business. We have programs for hard to place occupations and preferred business risks such as Dry Cleaners, Retail, Grocery Stores, Gas Stations, Professional Office, Hardware Stores and many more types of business. We are your one source agency to provide the insurance for business from A to Z...If you didn't see your type of business, don't worry. There is a very good chance we can find a market for your business insurance where others agencies won't even try.

  • Custom coverage's that minimize possible gaps and costly duplications.
    Our Retail Store Package Policy offers a wide range of coverage's to protect your business and can be tailored to meet your specific property, liability and other insurance needs. Whether you own one store or a chain of stores, T.W. Morgan Insurance has a plan for you.

  • Professional agency that specialists in the Retail industry.
    Our agents and underwriters are highly trained professionals who specialize in providing insurance to retail stores. They know your unique insurance concerns and understand your business.

  • Competitive and flexible pricing.
    We offer flexible pricing plans designed to reflect the unique characteristics of your business, taking into consideration limits, coverage and deductible requirements, past loss experience and loss prevention efforts, and hazard control and safety protection features.
  • Service – a return on your investment.
    Insurance is an investment. You expect quality and value for your premium dollars. That is what you will get – customized coverage accompanied by excellent service through professional, knowledgeable and responsible agents and claims representatives.
  • Personal service from a friendly, knowledgeable staff.
    You are our customer. Meeting and caring for your needs and minimizing the risk of loss and its impact on your business is our main concern.

  • Fast, fair, friendly claims service.
    In the event of a loss, our insurance providers offer claims service with a 24-hour emergency claims Hot Line.
  • Expertise and coverage recommendations.
    Insurance requires choices, and choices require guidance. With our industry specific coverage's we provide the coverage's and optional choices you need. As your agent we will be there to explain those options and provide assistance in selecting and securing coverage.
  • Annual reviews to keep your coverage current.
    Insurance needs change as your business continues to grow We recommend an annual review to make sure your coverage's are adequate and kept up to date.
  • Insurance that is easy to understand.
    Our products are designed to provide the coverage you need in a format that is also easy to understand. The coverage enhancements are specific to your business.
  • Easy payment options.
    It is our goal to make doing business with us easy. We offer a variety of payment plans. Full pay and financing options are available on most policies. Check with our agents who will provide you with current options to meet your cash flow requirements.
  • One agency to handle all your insurance needs.
    We are a full-service multiple lines agency. We can assist with your commercial insurance needs such as Property/Liability, Business Auto, Commercial Umbrella and Workers Compensation. In addition, we can serve your personal lines needs such as Homeowners, Personal Auto, Personal Umbrella, Life Insurance and much more in the way of specialty coverage's and services!

When you shop for insurance for your business, here is a list of coverage's that should be on your list. We have partnered with top companies that can offer competitive pricing and top notch coverage. Does your insurance provider offer these coverage's and a knowledgeable agent to be part of your team?

Special Property Coverage
Business Income Computer
Coverage Newly Acquired
Buildings Outdoor Sign
Coverage Emergency
Removal Pollution Clean-Up
Fire Department Service Charge

Replacement Cost Business
Personal Property-Seasonal
Increase Business owners
Special Form Personal
Property Off Premise
Outdoor Property Arson
Conviction Reward
Extinguisher Recharge

PROPERTY COVERAGE – available ONLY with the Premier Package
Machinery and Equipment Breakdown


  • Employee Benefits Liability
  • Hired and Non-Owned Auto
  • Utility Services Time Element
  • Glass Deductible Buy-Back
  • Barbers & Beauticians Liability
  • Building Ordinance
  • Earthquake Sprinkler Leakage
  • Transportation Coverage
  • Back-up of Sewer and Drain
  • Spoilage


  • Tenants Exterior Glass Coverage
  • Fine Arts Coverage
  • Pollutant Clean Up and Removal
  • Optional Higher Limits - Trees and Shrubs


PREMISES OPERATIONS: Coverage of all sums, up to policy limits, which the insured shall become legally obligated to pay as the result of bodily injury or property damage caused by an occurrence and arising out of the ownership, maintenance or use of premises and the operations of the insured in progress.

PRODUCTS-COMPLETED OPERATIONS: Provides liability coverage for bodily injury and property damage arising out of products sold or distributed by the named insured or out of operations performed for someone else after the operations have been completed.

EMPLOYEES AS ADDITIONAL INSUREDS: Expands the liability to respond for the employee, in the same manner as the insured, while he is acting in the scope of the business.

CONTRACTUAL LIABILITY: Provides coverage for an insured who under contract of agreement hold someone else harmless and agrees to indemnify him for any liability imposed.

PERSONAL & ADVERTISING INJURY LIABILITY: Coverage will pay on behalf of the insured, those claims which the insured becomes legally obligated as a result of any of the following offenses committed in the conduct of the named insured's business:


  1. False Arrest, Detention of Imprisonment, or Malicious Prosecution
  2. Libel, Slander, Defamation or Violation of Right of Privacy
  3. Wrongful Entry or Eviction of Other Invasion of Right of Privacy Occupancy.


Covers oral and written publication of material that slanders or libels a person or organization and/or its products or services.

NON-OWNED WATERCRAFT COVERAGE: (UNDER 26 FT. IN LENGTH): Coverage provided for bodily injury and property damage arising out of the use of a non-owned watercraft under 26 feet in length.

FIRE LEGAL / TENANT’S LEGAL LIABILITY: Pays the amount the insured is legally obligated to pay as a result of damages to the part of a non-owned building rented to, or occupied by the named insured. Also pays, if the insured negligently causes a fire in the rented or leased space, and the insured is legally obligated to pay for the damage.

HOST LIQUOR LIABILITY: Coverage for businesses and organizations held liable under a liquor law for the serving of liquor at meetings or functions, but not in the business of manufacturing, selling or distributing alcoholic beverages.

LIMITED WORLDWIDE LIABILITY: >Lawsuits outside the policy's "coverage territory" are included as provided for in the policy form.

MEDICAL PAYMENTS: Payment made regardless of fault for first aid, necessary medical services, necessary ambulance service.


Any business that owns or leases autos during the operation of their business has significant exposure to loss. Those exposures include the following:

Legal Liability - Bodily Injury
Bodily injury, sickness or disease sustained by a person including death caused by an accident resulting from the ownership, maintenance or use of a covered automobile.

Legal Liability - Property Damage
Damage to or loss of use of tangible property caused by an accident resulting from the ownership, maintenance or use of a covered automobile.

Other - exposures such as uninsured/underinsured motorists. A Commercial Auto policy provides five major types of coverage which respond to most common commercial auto exposures.

Auto Liability Coverage - pays all sums an insured is legally liable to pay as damages because of bodily injury or property damage to another. Auto liability can rise from the ownership, maintenance, or use of owned autos as well as from hired and No owned autos.

Physical Damage Coverage
Comprehensive - Fire, lightning or explosion; theft; windstorm; hail or earthquake; flood; mischief or vandalism to a covered automobile; or sinking, burning, collision or derailment of any conveyance transporting the covered automobile. Collision - The covered automobile's collision with another object; or the covered automobile's overturn.

Auto Medical Payments Coverage - Coverage for reasonable expenses incurred for necessary medical and or funeral services to or for an insured who sustains bodily injury caused by an accident resulting from the ownership, maintenance or use of a covered automobile.

Uninsured/Underinsured Motorists Coverage - protects insured persons legally entitled to recover damages for bodily injury or property damage from the owner or operator of an uninsured or underinsured auto. An uninsured/underinsured motorist is an individual who is legally liable for an accident causing loss to the insured who: has no liability insurance at all; has liability limits lower than the insured's underinsured limits; has insurance, but coverage has been denied; has insurance, but insurance carrier is insolvent; or is a hit and run driver.

Personal Injury Protection >(No Fault) - allows an insured person who is injured in an accident to collect directly from his/her own insurer for medical and hospital expenses, regardless of fault. These coverage’s and amounts vary by state.