Business Details
44 Years
experience
Emergency
services
Your Trusted Insurance Partner in Memphis, TN
Founded in 1982, Lofton Wells Insurance has built a legacy of personalized service and community trust. Our agency was established with a vision to create more than just an insurance providerwe aimed to become a trusted partner in protecting our clients' lives and livelihoods. Over 38 years, we've grown to represent over 20 insurance companies while maintaining our core commitment to individualized attention. Our team's expertise spans personal and commercial insurance, with a focus on tailored solutions that adapt to evolving risks. We prioritize direct client relationships, offering flexible service options including in-person meetings and 24/7 support. Our reputation for prompt claims assistance and proactive risk management has earned us recognition as a local business award recipient.With licensed operations across 13 states, we combine regional expertise with national resources to deliver comprehensive coverage. Our family-owned values drive every interaction, ensuring clients receive both competitive pricing and unwavering advocacy. We continuously expand our service offerings to address emerging risks like cyber liability while maintaining traditional insurance fundamentals. This dedication to innovation and client care positions us as a reliable partner for individuals and businesses seeking comprehensive protection.
Services
Auto Insurance
Home Insurance
Life Insurance
Commercial Insurance
Cyber Liability Insurance
Flood Insurance
Umbrella Insurance
Workers Compensation
RV Insurance
Pet Insurance
Details
- Year established: 1982
Highlights and features
- We offer personalized insurance solutions tailored to individual risk profiles
- Our team has 38 years of combined experience in personal and commercial insurance
- We provide 24/7 client support for emergency insurance needs
- Our agency represents over 20 insurance carriers for comprehensive options
- We maintain a 98% client retention rate through proactive policy reviews
What people say
Amazing service
Treated like family
Prompt assistance
Competitive pricing
Lifelong support
Services
Commercial Insurance
Our commercial insurance solutions protect businesses from operational risks and financial losses. We offer customized policies covering property damage, liability claims, and business interruption. Our experienced agents help companies in Memphis and 12 other states select appropriate coverage limits and risk management strategies.
Auto Insurance
We provide comprehensive auto insurance policies with flexible coverage options for personal and commercial vehicles. Our policies include liability protection, collision coverage, and uninsured motorist provisions while offering premium discounts for safe drivers and multi-policy bundling.
Home Insurance
Our home insurance policies protect residential properties against common risks including fire, theft, and weather damage. We offer standard coverage with optional endorsements for high-value items, flood protection, and personal liability extensions to meet diverse homeowner needs.
Cyber Liability Insurance
This specialized coverage protects businesses against financial losses from data breaches and cyber attacks. Our policies cover legal expenses, notification costs, and business interruption losses while providing risk management resources to prevent security incidents.
Life Insurance
We offer term and permanent life insurance solutions to protect families and business partners. Our policies provide financial security for dependents, mortgage protection, and estate planning benefits with options to convert term policies to permanent coverage.
People
Harry Lofton
Founder
Established Lofton Wells Insurance in 1982 with a vision to create a client-focused insurance agency. Built the company's foundation on personalized service and community relationships before passing leadership to his daughter.
Pamela Lofton Wells
Owner
Continuing her father's legacy since 1993, Pamela has expanded the agency's reach across 13 states while maintaining its family-owned values. She oversees operations and client relations with a focus on innovative insurance solutions.
Questions
What insurance products do you specialize in?
We specialize in personal insurance (auto, home, life) and commercial insurance (business liability, cyber liability, workers compensation) with coverage options available across 13 states.
How can I get a personalized insurance quote?
Contact us directly via phone or our website to schedule a consultation. Our agents will review your specific needs and risk profile to create customized coverage recommendations.
Do you offer 24/7 claims support?
Yes, we provide 24/7 claims assistance for emergency situations. Our agents are available to help with immediate needs and guide you through the claims process.
Are your insurance rates competitive?
We represent 20+ insurance carriers to ensure competitive pricing. Our agents compare multiple options to find policies that balance coverage quality and affordability.
How do policy renewals work?
We proactively review policies before renewal dates, updating coverage as needed. Clients receive detailed explanations of any premium changes and alternative options.
Can I manage policies online?
While we prioritize personal service, we offer digital tools for policy management. Contact our office for specific requests or to set up electronic document access.
