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50+ Years
experience
Trusted Insurance Services in Chattanooga, TN
Founded in 1973, RSS Insurance is a privately owned regional insurance brokerage firm specializing in Commercial Business Insurance, Professional Liability, Surety Bonds, Employee Benefits, and Personal Insurance. We serve clients in Southeast Tennessee, Northwest Georgia, and throughout the United States, offering tailored coverage that balances comprehensive protection with cost-effectiveness. As an independent agency, we prioritize client needs over corporate interests, leveraging our expertise and carrier networks to deliver customized solutions.

Our team combines decades of experience with a commitment to advocacy, ensuring clients receive the right coverage at optimal value. With a focus on long-term relationships, we act as trusted advisors, helping individuals and businesses navigate risks in an evolving insurance landscape.
Services
Business Owners Insurance General Liability Insurance Workers Compensation Commercial Umbrella Insurance Cyber Liability Coverage Home Insurance Auto Insurance Group Health Insurance Professional Liability Insurance Environmental Insurance
Details
  • Year established: 1973
Highlights and features
  • We have over 50 years of experience in regional and national insurance markets.
  • Our independent agency model offers unbiased, tailored coverage options.
  • We specialize in complex commercial risks including cyber liability and E&O.
  • Our team provides personalized service with a focus on risk mitigation.
  • We maintain long-term partnerships with top-tier insurance carriers nationwide.
Services
Business Owners Insurance
A comprehensive solution protecting business assets, operations, and employees. Covers property damage, liability claims, and business interruption. Designed for small to mid-sized enterprises needing bundled protections against common risks.
Cyber Liability Insurance
Safeguards against digital threats including data breaches, ransomware, and network security failures. Covers legal costs, customer notifications, and business losses from cyber incidents. Essential for modern businesses relying on electronic systems.
Workers Compensation
Mandated protection covering medical expenses and lost wages for work-related injuries. Includes legal defense costs and rehabilitation support. Helps businesses comply with labor laws while protecting employee welfare.
Commercial Umbrella Insurance
Provides additional liability limits beyond standard policies. Covers claims up to $10 million for general liability, auto, and directors & officers insurance. Acts as financial protection against catastrophic losses.
Professional Liability Insurance
Protects service providers against claims of negligence or inadequate work. Covers legal defense and settlements for alleged errors in professional services. Crucial for consultants, attorneys, and technical professionals.
Questions
What types of business insurance do you offer?
We provide Business Owners Policies, General Liability, Cyber Liability, Workers Compensation, and specialized coverage for professional risks, commercial property, and umbrella protection.
How do you tailor insurance to specific business needs?
Our advisors conduct detailed risk assessments to create customized packages combining core protections with industry-specific endorsements that address unique operational exposures.
Do you serve businesses outside Tennessee and Georgia?
While headquartered in Chattanooga, we offer coverage nationwide through our extensive carrier network, with particular expertise in Southeastern U.S. regulatory environments.
What personal insurance solutions are available?
We offer home, auto, motorcycle, condo, and flood insurance with optional umbrella policies to protect individuals and families against common personal risks.
How does your workforce solutions division help employers?
We design comprehensive employee benefits packages including health, dental, vision, disability coverage, and voluntary benefits to attract talent while managing employer costs.
What happens after I request a claim?
Contact our office immediately to initiate the claims process. Our team will connect you with the carrier's claims specialists and advocate for timely, fair resolution of covered losses.