Business Details
32 Years
experience
Your Trusted Insurance Partner in Chattanooga
At Cornerstone Insurance Group, we prioritize understanding our clients' choices and fostering long-term relationships. As independent agents, we leverage a network of reputable insurance companies to deliver tailored solutions that balance cost-effectiveness with comprehensive coverage. Our commitment extends beyond transactionswe aim to be a trusted partner in managing risks for both personal and business needs. With offices across Tennessee, including Chattanooga, Dayton, Cleveland, Jackson, and Memphis, we combine local expertise with the resources of a large agency to provide personalized service.Our team's decades of experience, including specialized programs for churches, hospitality, and auto dealerships, ensures clients receive expert guidance. We emphasize transparency, competitive pricing, and ongoing support to meet evolving insurance requirements.
Services
Auto Insurance
Home Insurance
Life Insurance
Commercial Insurance
Health Insurance
Flood Insurance
Workers' Compensation
Disability Insurance
Retirement Plans
Bond Services
Details
- Year established: 1994
Highlights and features
- We are local to the greater Chattanooga, TN area with multiple office locations.
- Independent agents shop multiple carriers to find your best policy.
- Specialized programs for churches, hospitality, and used auto dealerships.
- Decades of combined experience across personal and commercial insurance.
- Personalized attention from a team committed to long-term relationships.
What people say
Personalized attention
Competitive pricing
Specialized church coverage
Experienced agents
Community-focused approach
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual and family needs. Coverage includes standard vehicles, motorcycles, antique cars, recreational vehicles, and boats. Our policies protect against liability, collision, and uninsured motorists while offering discounts for multi-policy bundling and safe driving records. Expert agents ensure clients receive competitive rates and customized protection.
Commercial Insurance
Our commercial insurance services cater to diverse industries, including hospitality, churches, and auto dealerships. Offerings include business owners' policies, liability coverage, cyber security, and employee practices liability. Specialized programs like our Church Insurance Specialists division provide cost-effective solutions without compromising coverage. Streamlined quoting simplifies finding optimal protection for businesses of all sizes.
Life Insurance
We offer term and whole life insurance products to secure families' financial futures. Policies cover burial expenses, mortgage protection, and business continuity. Options include juvenile life plans for children and retirement-focused annuities. Our agents help clients select coverage amounts and terms that align with long-term financial goals and family needs.
Health Insurance
We provide individual and group health insurance plans from top-rated carriers like BlueCross BlueShield and United Healthcare. Our streamlined process delivers quick quotes while ensuring comprehensive coverage for medical emergencies and preventive care. Specialists assist clients in navigating options to find affordable, high-quality health protection tailored to their specific circumstances.
Workers' Compensation
We help businesses meet legal requirements with workers' compensation insurance covering job-related injuries and illnesses. Policies provide benefits for medical expenses, lost wages, and disability payments. Our team assists employers in finding carriers offering competitive rates and potential cost-saving dividends while ensuring compliance with state regulations.
People
Chris Scoggins
Owner
A Chattanooga native and University of Tennessee alumnus, Chris founded the agency in 1994 after working with Liberty Mutual. He expanded operations to Dayton and Cleveland, TN, and developed specialized church insurance programs. With over 30 years in the industry, he focuses on client relationships and community involvement.
Scott Stroud
Agent
Scott joined Cornerstone in 2015 after managing disability claims. He specializes in property and casualty insurance while leveraging 18 years of church leadership experience. A UTC graduate, he emphasizes personalized coverage solutions for diverse client needs through his community-focused approach.
Cricket Nelson
Agent
A Chattanooga native with 17+ years in insurance, Cricket understands client needs from a small business owner's perspective. She prioritizes building relationships as important as legal or financial advisors, ensuring clients receive comprehensive protection tailored to their unique circumstances.
Stephen F. Holmes
Hospitality Division Head
With decades of insurance experience, Stephen leads the hospitality division. A former home office recruiter and general manager, he merged his agency with Cornerstone in 2010. He serves on multiple hospitality association boards and focuses on specialized coverage for hotels and restaurants.
Lou Patten
Associate Partner
Lou brings 40+ years of insurance expertise to Cornerstone. A University of Tennessee graduate and Chartered Property Casualty Underwriter, he specializes in commercial and personal insurance. Active in civic leadership, he previously served in the Tennessee General Assembly and chairs local airport and healthcare boards.
Questions
What types of insurance does Cornerstone Insurance Group offer?
We provide auto, home, life, health, commercial, disability, flood, workers' compensation, and specialized insurance for churches, hospitality, and auto dealerships.
Are you a local insurance agency?
Yes, we're based in Chattanooga, TN, with additional offices in Dayton, Cleveland, Jackson, and Memphis, serving local communities since 1994.
Do you offer specialized insurance programs?
Yes, we have specialized programs for churches, hospitality businesses, and used auto dealerships with tailored coverage options.
What are your office hours?
Our offices are open Monday through Friday from 8:30 AM to 4:30 PM for in-person or phone consultations.
Can you help with commercial insurance for small businesses?
Yes, we offer business owners' policies, liability coverage, and specialized programs for small businesses across Tennessee.
