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Jeff Guffey Agency dba J & J Horizons Group

I try to be a servant to the community through offering service to each of my clients by providing a solution to their needs, not sell a product. I’m a local and accessible agent that is part of the community and a small business owner as well. I’m in your shoes as a business owner and understand the needs and challenges. I hope you give me the opportunity to earn your business whether it’s Auto-Home-Life-Health -AND- especially Business. I will work hard for you and do my best to offer the best coverage and the best value with great products like Coterie.

Address

8174 East Brainerd Road
Chattanooga, Tennessee 37421

Office Hours

  • Monday-Thursday 10:00AM-6:00PM
  • Friday 10:00AM-4:00PM
  • Saturday 12:00-5:00PM

Why our clients choose us

“Very knowledgeable, and helpful and caring. Found the best deal I could with him”
“If you are looking for an insurance agent who is trustworthy and has your best interest in mind go see Jeff , you won’t be disappointed.”
“I just want to let everyone know about my experience with Jeff at J&J Horizons. Of all the insurance agents I have talked to lately, Jeff has been the most knowledgeable and most helpful.”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (MPL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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Small Businesses

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At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!