Memphis has 618,980 residents in 253,120 households. We list 15 agencies for commercial property insurance in Memphis. Here is what the local numbers say about the cover people here need.

Memphis at a glance

15commercial property insurance agencies listed
55.1%of households rentRenters insurance
$169,000median home valueHome insurance
1970median year homes were builtRebuild cost calculator
10.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Shelby County

FEMA rates the overall natural hazard risk in Shelby County, where most Memphis agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Memphis
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Memphis
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Tennessee

Tennessee requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Memphis How much liability cover do you need?

Source: tn.gov. Checked 2026-10-24.

Insurance companies Memphis agencies work with

Of the 15 Memphis agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers9 agencies
Employers8 agencies
Liberty Mutual8 agencies
The Hartford8 agencies
Chubb7 agencies
Chubb (ACE)7 agencies
Liberty Mutual (Safeco)6 agencies
Markel6 agencies
Nationwide6 agencies
Nationwide (Allied)6 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Memphis agencies are

Memphis agencies we list sit in 5 ZIP codes, mostly in Shelby County.

381174 agencies
381194 agencies
381204 agencies
381252 agencies
381341 agency

Questions

Commercial Property insurance in Memphis

All insurance agencies in Memphis · Commercial Property insurance across Tennessee

Where can I find commercial property insurance in Memphis?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does commercial property insurance cover?

Covers your building, stock, equipment and fit-out.

Which insurance companies do Memphis agencies work with?

Among the 15 Memphis agencies whose appointments we hold, the companies they are most often appointed with are Travelers (9), Employers (8), Liberty Mutual (8), The Hartford (8), Chubb (7). An appointed agency can quote that company's policies.

Do I need flood insurance in Memphis?

FEMA's National Risk Index rates inland flooding risk in Shelby County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Commercial Property insurance near Memphis

For insurance agencies

Is your Memphis agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing