SecureRisk Insurance Solutions

SecureRisk is a cooperative venture of over 100 independently owned insurance agencies. We collaborate to bring you excellent insurance and risk management solutions for businesses.

SecureRisk Insurance Solutions

Request Quote or Contact Us

Call: (601) 446-9600

By providing your phone number you consent to receive SMS communication from Stephens & Hobdy Insurance. Privacy Policy

Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.

What You Need to Know About SecureRisk Insurance Solutions

As a member of SecureRisk, we work to combine knowledge and resources to deliver excellent insurance coverage, services, and pricing. Whether you need to insure your business, employees, house, car, life or more our agency is there for you. Contact us to see how we can help you mitigate risk »

Core Services

  • Risk Management For Businesses
  • Risk Management For Individuals & Families
  • Commercial Insurance
  • Life & Health Insurance

Solutions for Businesses and Individuals

Business Owners

If you're an entrepreneur, small business owner, or pressional services provider, you know risk. It's on your mind every day, from the time you open the shop to your last client meeting of the day. That's why you need an insurance and risk management partner who understands your business.

Professionals and Business Owners

Our experienced commercial insurance team serves business owners and professionals throughout the Southest, just like you. We have the industry insight, experience, and market relationships to design, negotiate, and manage comprehensive insurance plans tailored to your unique operations.

Construction Industry

By leveraging our ownership in SecureRisk, our agency is in a powerful negotiating position with insurance companies. As a result, our construction clients receive preferred pricing and coverage service.

Farming and Agriculture

As a farm and agriculture risk management ream, we have decades of experience designing programs with coverages specifically tailored for your unique agriculture operation and risks.


We have a proactive risk management approach. That's why we'll work closely with your and your staff to improve safety procedures, training, and customer safety. We bring smarter solutions to all the non-profits we work with.

Hospitality Industry

If you're in food service, accommodations, or entertainment you know what risk is. That's why you need an insurance and risk management partner who understands your business.

Frequently Asked Questions

  • Who Needs Workers Compensation Insurance? 

    Every business does. Many business owners feel that if their employees are independent contractors because they get 1099's instead of W-2's. This does NOT matter.

    What matters is whether they do this type of work for anyone else (like a contractor who has their own insurance, vehicle, and tools), and the issue of control where the employer tells them how and when to do their job. 

  • Do I need warehouse insurance? 

    Whether you need warehouse insurance ultimately depends on your business's ability to recover from financial loss. You can do a fast self-diagnostic by asking yourself the following questions: 

    • Can you afford to replace your clients’ lost property? 
    • If a client or prospect is touring your facility and is injured, can you afford their medical bills? 
    • Do you know the exact value of the items you’re storing? 

    If your answer to any of the above is no, then you may consider purchasing insurance for your warehouse. 

  • What insurance does my warehouse need? 

    There are many coverages you can purchase, but there are a few types that can be beneficial for all warehouses.

    • Commercial Property
    • Workers Compensation
    • General Liability
    • Commercial Auto
    • Inland Marine
  • What does winery insurance cover?

    An winery insurance policy most commonly covers property, specifically processing buildings, warehouses, tasting rooms, and offices.

  • What kind of insurance does my property management company need?

    Your policy will vary depending on the services you provide and whether you're purchasing insurance for yourself or your business. Potential coverages you should consider may include:

    • Professional Liability/Errors & Omissions
    • Cyber Liability
    • Commercial Liability 
    • Business Auto
    • Hired & Non-Owned Auto
    • Workers Compensation
  • What types of insurance do water well drillers need?
    The exact insurance you purchase depends on your needs. Not every water well drilling business is the same, meaning no two water well drilling business insurance policies will be the same. However, there are general coverages any well-drilling company should consider.
  • Is the drilling equipment on my truck covered under my auto policy?
    Unfortunately, many tools and equipment located on your truck are not covered under your commercial auto policy. As a good rule of thumb, your commercial auto insurance won't cover anything that's not bolted down to the vehicle but it still needs to be listed properly. To adequately protect your tools while they're in your car, you'll want inland marine coverage. As mentioned above, inland marine insurance covers business property that can be moved or transported.
  • What is Workers Compensation Insurance? 
    Workers compensation insurance provides coverage for medical expenses, rehabilitation costs, and lost wages for employees who are injured or become ill at work. This coverage is required by most states and can be the most expensive line of insurance for most employers. 
  • What is an e-Mod factor? 
    An e-Mod factor is a rating number that is calculated based upon your workers compensation premiums and workers compensation claims payments and is designed to show what risk level your company is based on similar companies in your industry and location. There are many factors that are gathered and used in the calculation of this factor, but the two specific factors that a business owner or executive can manage and affect are the workers compensation premium and the workers compensation claims payments.  Costs of Workers Comp Claims  An effective risk management program goes beyond simply purchasing an insurance policy and paying an annual premium. No matter the size of your organization, there are steps you can take to improve the safety of your employees and take control of costs.  According to the National Safety Council, the average cost of workers compensation claims is $40,051. In addition to the medical costs, wage replacement, and indirect costs associated with a claim, there is also the negative impact that a claim can have on a company's experience modification (or e-mod) which can significantly increase workers compensation insurance rates for the next three years. 
  • Do you think you might need Workers' Compensation Insurance?
    Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment. Workers' comp insurance is required by law in almost every state. Workers' comp laws are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.
  • What is warehouse legal liability insurance? 
    Warehouse legal liability insurance also known as warehousemen's legal liability or warehouse operators legal liability insurance  is a special type of liability insurance that safeguards against inventory loss and property damage due to employee negligence or lack of facility maintenance. 
  • How much does well-drilling insurance cost?
    Earlier, we mentioned that no one well drilling contractor insurance policy looks like another. The same can be said for your premium as well. Because there's so much variation between well-drilling businesses, there's no precise estimate you can expect for your premium. However, we can tell you what factors can influence your premiums.
  • How much does used car dealership insurance cost?
    You run a unique business with a lot of different factors affecting your premiums.
  • Is product liability insurance included in general liability policies?
    In many cases, you can get product liability insurance as part of your commercial general liability insurance policy. CGL policies apply to numerous injury and property damage risks associated with the business, not just product liability coverage. Often, you'll be able to get the general liability coverage as part of your business owners policy (BOP) or commercial policy package (CPP).
  • Do I need used car dealership insurance?
    In all fifty states, you are required to have a surety bond before you can even obtain your used car dealership license. The required amount varies from state to state, but the need for a surety bond does not change.
  • What is covered by errors and omissions insurance?
    Some risks where your professional liability insurance can cover any legal or associated costs include: Wrongful or negligent eviction Discrimination claim Faulty maintenance done by you Break of contract Failure to protect property Subcontractor errors
  • What is product liability coverage?
    Every manufacturer, in every industry, makes products that could run the risks of harming others.
  • How much does property management insurance cost?
    On average, smaller property management companies pay $395 a year for basic insurance coverage. This estimate increases when you add in property managers liability insurance. Other factors that affect the cost of property management insurance are: The amount of coverage you have Business size Business location Claims history Number of employees
  • What is the cost of product liability insurance?
    Your policy's premiums will vary considerably, based on numerous risk factors. However, an insurance premium is always going to be less costly than a product liability lawsuit for a company that has no coverage. That's why you should always carry this policy, no matter how big or small your business.
  • Are you protected against all medical recall costs?
    Product recall is one of the leading risk exposures to pharmaceutical and nutraceutical companies. It is of critical importance to understand and correctly insure these risks. Our product recall policies are designed to increase financial protection to these industries. Our Solution The financial impact of a product recall in the pharmaceutical and nutraceutical industries can be significant. Our solutions are designed to protect your company and your bottom line. Our solutions include: Insurance coverage designed to better protect you and your supply chain vendors. Timely and actionable intelligence and support services through our strategic partner network. Expedited claim payments, legal advice for contractual risk transfer, quality control, and other services.