Franklin, Tennessee · Serving Nashville, Brentwood & Middle Tennessee
Quote requests accepted 24/7 · Quotes within 24 hours · Phone: Mon–Fri 9–5
INSURANCE & RISK MANAGEMENT · FRANKLIN, TN

Insurance for people with more to protect — and a broker who knows you by name.

High-net-worth home, auto and umbrella coverage, rental property policies and specialty commercial insurance across Middle Tennessee, handled by one advisor who knows your account.

Licensed in TN & AL Independent — multiple carriers Direct access to Steve

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About 2 minutes. Steve personally reviews every request.

Submitting a request is not a binding offer or confirmation of coverage. Please don't include Social Security or payment details. Privacy Policy.

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Licensed in TN & AL
TN 3001263354
AL 4005436
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Multiple carriers Independent agency — we compare options for you
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Reachable advisor A direct line, not a call center
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Google reviews See reviews on Google →
CHOOSE YOUR PATH

Coverage designed around the details

Whether it's your family's home and assets or your company's liability exposure, start with the path that fits.

PERSONAL

High-Net-Worth Families & Property Owners

For households with larger homes, multiple vehicles and rental properties.

  • Home, auto & umbrella bundles
  • Multiple-dwelling & rental property policies
  • Higher-value homes and complex coverage needs
  • Annual reviews as your life changes
Explore personal insurance
BUSINESS

Specialty Commercial Coverage

For professionals, leadership teams, creators and transportation operators.

  • Professional liability & Directors & Officers (D&O)
  • Media & publishing, personal & advertising injury
  • Bussing & trucking
  • Garagekeepers
Explore business insurance

Not sure which fits? Call Steve at (615) 660-4161 or send a quick request.

Questions about a policy or a claim? Reach Steve directly.

Availability is the point. Quote requests are accepted any time, and you'll know exactly who is handling your account — most requests get a response within 24 hours.

Call or text
(615) 660-4161
Steve Emley, Principal of Emley Risk Management
Steve Emley Principal, Emley Risk Management
MEET YOUR ADVISOR

A career spent planning ahead for people who can't afford surprises.

Before insurance, Steve spent years in entertainment as a tour manager and personal manager — work where something always goes sideways and the plan has to hold. He brought that discipline to protecting clients: anticipate the risk, line up the right coverage, and be reachable when it matters.

"If you have a question or a claim, you should be able to reach the person who knows your account."
TN License 3001263354 AL License 4005436 NPN 19868709
MEDIA & PUBLISHING

Built for creators, publishers and media businesses.

Steve spent his career inside the entertainment business. He understands how creative work and the risks around it actually run, and what coverage that kind of business needs.

Explore media & publishing coverage
Media liability Protection against claims arising from content you publish
Personal & advertising injury Coverage for claims tied to advertising and publicity
Professional liability For advisors, consultants and service businesses
COVERAGE

Coverage we specialize in

Each line has its own page with plain-English explanations and a direct way to request a quote.

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Home & High-Value Property

Coverage for larger homes and valuables, with replacement-cost options explained clearly.

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Auto & Umbrella Bundles

One advisor coordinating auto, home and umbrella so there are no gaps between policies.

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Rental & Multiple Dwellings

Policies for owners of rental homes and multi-property portfolios.

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Professional Liability & D&O

Protection for the decisions you and your leadership team make every day.

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Media & Publishing

Coverage for creators, publishers and media businesses, including personal & advertising injury.

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Trucking, Bussing & Garagekeepers

Commercial coverage for transportation operators and auto-service businesses.

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HOW IT WORKS

Simple, personal, and quick to start

1

Tell us what you need

Send a quick request any time of day. Steve reviews it personally.

2

We compare the market

Options are compared across carriers and explained in plain English.

3

Stay protected year-round

Annual reviews and quick answers when life or business changes.

CLIENT REVIEWS

What clients say

Real reviews, shared on Google. We'll feature a few here directly once pulled from Steve's profile — for now, read them straight from the source.

★★★★★ Read our reviews on Google →
INSIGHTS

Plain-English guidance from Steve

Short articles on the coverage questions clients ask most.

Home Insurance

Dwelling Coverage: Guaranteed vs. Extended Replacement Cost

What each option means for rebuilding after a loss.

Read article →
Choosing an Agent

Captive vs. Independent

How the two agency models differ and why it matters.

Read article →
Risk Reduction

Home Maintenance and Your Claims

Small fixes that can prevent big losses.

Read article →

Common questions

An umbrella policy adds extra liability coverage on top of your home and auto limits. If a claim or lawsuit ever exceeds what those policies pay, the umbrella picks up where they leave off — which matters most for households with significant assets to protect.

Yes. We write policies for single rental homes as well as owners with several properties, including multiple-dwelling and landlord-specific coverage that a standard homeowners policy doesn't provide.

Directors & Officers (D&O) insurance protects leadership teams against claims related to the decisions they make running the company — things like alleged mismanagement or breach of duty. It's worth a conversation for any business with a board, investors, or outside leadership.

Quote requests are accepted any time, day or night. Most requests get a response within 24 hours, and Steve personally reviews every one.

Serving Middle Tennessee

Map of service area
(Franklin, Brentwood, Nashville)
Franklin Brentwood Nashville Thompson's Station Williamson County Davidson County

Ready to see where your coverage stands?

Request a quote or call Steve directly. Requests are accepted any time.

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