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Martin & Zerfoss is your trusted independent insurance agency throughout all 50 states.

Your family, your business and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor.

What Sets us Apart


As an independent insurance agency we have great relationships with many well-known, reputable insurance companies, giving you the power of choice.


Our insurance advisors have years of experience in the insurance industry and serve as your advocate from selecting coverage through filing a claim.


Our insurance advisors have a strong passion for insurance and protecting what you value most in business and in life. We treat our customers like family.

Martin & Zerfoss has been in business since 1978 and collectively our team has over 700 years of industry experience. We create customized solutions for our personal insurance and business insurance clients, with our specialties in Brewery & Distillery InsuranceCharter School InsuranceChurch InsuranceCommercial Bank InsuranceAffluent Personal Lines InsurancePersonal Lines InsuranceEmployee Benefits & HR Consulting and Non-Profit Insurance. From our small beginnings in 1978 to the great staff of professionals with us today, we have always believed in the value of relationship.

We’re an independent insurance firm, serving the State of Tennessee, and are licensed to do business in all 50 states.  We work closely with clients to develop policy solutions which cover a wide range of important assets. Our clients trust us to create comprehensive policy solutions from rental property policies and multi-million-dollar homes, to small business operations and large manufacturing facilities.

Over the years we’ve aligned our company with insurance carriers that deliver both traditional and specialized insurance products. The insurance products we represent originate from the strongest and most reliable insurance carriers in the country. We’ve developed a solid relationship with our carriers, so you can move forward with confidence concerning the protection of your assets.  Our team of highly experienced, licensed insurance professionals will change the way you experience coverage.

Give us the opportunity to show you a different level of trust in insurance.

Our Core Values

We take great pride in our business, and are constantly searching for new and innovative ways to inform and protect our clients.


We work as a team toward collective goals, to maintain and improve our customer confidence through diligence and innovation.


The heart of our business is building genuine relationships with our clients. It is important for us to create a long-lasting business partnership and friendship.


We hold ourselves to the highest professional standards to carry on the agency’s 40 year legacy of trust and dependability.

Some Bragging Rights

42 Years

in business

CHUBB Cornerstone Agency

for the past 17 years


Cincinnati President’s Club Agency

Tennessee Health Workplace Certification

by Governor Bill Haslam


Fulfilling our commitment to service is about more than writing checks. It’s about making an impact in our community. You can find us every month either reading stories at our Pencil Partner School, making lunches for the families at the Ronald McDonald House, or simply hosting a clothing drive for families/children in need.

At Martin & Zerfoss, our mission is very simple.  We strive to provide a true, concierge client experience which is unique in the insurance industry.  We give clients the power of choice from top-rated national and regional carriers. We offer comprehensive insurance solutions throughout the State of Tennessee, and across all 50 states.