The Greater Nashville Area / Franklin

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.

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. These range from group health insurance to group dental and disability insurance, as well as other employee benefit coverages. We also offer a full range of Commercial Property and Liability Insurance coverage, including Workers’ Compensation, Business Owner’s Package (BOP), Commercial General Liability (CGL), Builders’ Risk, Business Income, Commercial Auto, Employment Practices Liability and Cyber Insurance.

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.