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Harman Stone

Proudly Serving the Mississippi and Tennessee River Valleys

Toll-Free (888) 756-1988

The Greater Nashville Area Franklin

Proudly Serving Middle Tennessee, the Greater Nashville Area and Franklin

Offices (615) 791-8082

West Tennessee / Dyersburg

Proudly Serving Upper West Tennessee, Dyersburg, Jackson and the Northeast Arkansas Delta

Offices (731) 478-1234

North Alabama / Florence

Proudly Serving North Alabama, including Birmingham, Huntsville, Cullman, Decatur, Athens, Madison, Muscle Shoals and Florence

Offices (256) 712-2322

The Northeast Arkansas Delta Jonesboro

Offices (870) 627-5200

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Harman Stone is a regional employee benefit, insurance services, commercial insurance, and human resource brokerage and consulting firm. We are based in Memphis, Tennessee. Currently licensed to conduct business in Alabama, Arkansas, Maryland, Mississippi, Tennessee, Texas and Virginia, we proudly serve the Mississippi and Tennessee River Valleys.

We help clients to anticipate, qualify, quantify and understand a wide range of risks faced by their small businesses. In the uncertain business world we find ourselves, we want your business to survive and prosper for generations. Read more About Us.

Our firm works with businesses of all sizes, but we specialize in small and medium sized businesses and organizations. We help clients to define, devise and bring forth inventive solutions to critical risk issues. As a result, we bring an unparalleled expertise, experience, and collaboration to each and every client interaction.

Harman Stone offers a wide-range of employee benefit coverages and services, insurance products, commercial property and casualty packages, as well as an equally comprehensive menu of human resource services.

Employee Benefits

For the majority of small businesses, workforce maintenance carries a number of concerns with it. Employee Benefits – whether it be group health insurance, group disability or dental, or pre-tax cafeteria plans – must be part of this equation. Without it, it is extraordinarily difficult to stay competitive in the labor market.

Insurance

Insurance is a financial mechanism – nothing more, nothing less. It plays a significant role in any sound personal financial plan – either for an individual, family, or business.

Americans’ expenditures for insurance coverage over the span of their adult lifetimes exceed anything they might spend in any other category. Yet, most individuals make decisions without proper and adequate information about these important insurance products. Here at Harman Stone, we seek to assist individuals and families in these important decisions.

Commercial Insurance

Commercial or Business insurance assists in protecting businesses from financial losses from risks to their property and income. Risks that may be covered include theft, damage, and litigation. Workers’ Compensation insurance can cover injured workers’ lost wages and help those employees return to work. These policies also help protect businesses from financial losses resulting from liability claims – ranging from Workers’ Comp to a Commercial General Liability policy to Employment Practices Liability Insurance.

Human Resource Consulting

Many of our small business clients simply don’t have dedicated and skilled human resource personnel and assets necessary. These are necessary to anticipate and provide for the complex array of challenges we encounter in the process of managing groups of people and respecting their rights and needs while maintaining sharp focus on a business’ goals. This is why human resource consulting is so valuable – especially to a small business. Harman Stone is experienced and ready to provide support for you in virtually every aspect of human resource management.