Coverage from someone who's worked both sides of a claim.
ADD Insurance Agency is built on 20+ years handling claims, credentialing, billing, years in Property & Casualty, and 2 years driving a rig. That's what full-service should mean: someone who knows how a policy actually holds up when you need it, not just how to sell one.
Captive agents sell one company's answer. We start with yours.
A captive agent can only offer what their one carrier underwrites, even when it isn't the right fit. Shopping alone online means no one is in your corner if a claim gets delayed or denied. ADD Insurance Agency works from the other side of that gap.
Before I ever wrote a policy, I spent 20 years handling claims and billing — from adjusting to credentialing — for major health and property & casualty carriers, and years driving a semi for a national trucking company. I've watched coverage work and watched it fail, from the inside and from the road. That's what shapes every policy I recommend.
Who we help
Full-service means real coverage for real work — not a one-size policy.
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Truckers & owner-operators
Commercial auto and trucking coverage, plus the life and health insurance that's easy to put off when you're on the road.
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Tradespeople & small business owners
Business liability and commercial coverage that keeps up with the job, not paperwork that slows it down.
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Self-employed & gig workers
ACA marketplace health plans built for income that isn't a single W-2.
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Adults approaching Medicare
Straight answers on enrollment timing and plan options, without a sales pitch.
Coverage, all in one place
One agency, multiple carriers — so the policy fits the person, not the other way around.
Property & Casualty
- Auto Insurance
- Home & Renters Insurance
- Commercial Business Insurance
- Trucking & Commercial Auto
- Pet Insurance
Health
- ACA Marketplace Plans
- Medicare Guidance & Enrollment
- Supplemental Insurance
Life & Retirement
- Life Insurance
- Annuities
- LTC Guidance
Common questions
Are you tied to one insurance company?
No. ADD Insurance Agency is independent, so your coverage is placed with whichever carrier fits your situation — not whichever one employs the agent.
Do you only sell policies, or do you help with claims too?
Both. Two decades of claims and billing experience means I can walk you through what a policy actually covers before you sign it, and help you understand the process if you ever need to file.
Can you help me get on Medicare?
Yes. I help with enrollment timing, plan comparisons, and Medicare supplement options ahead of and during your enrollment window.
Do you write commercial trucking insurance?
Yes. Between P&C licensing and my own years driving a semi, I write coverage for owner-operators and small fleets, alongside the personal policies drivers often put off.
Is a quote free?
Yes. Call or email anytime — there's no cost or obligation to get a quote.
Get a free quote today
Serving Memphis and Shelby & Tipton County directly, and licensed to write policies in 21+ states nationwide.