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About Our Agency

River City Car

Local Leadership

River City Insurance is an independent insurance agency locally owned and operated by lifelong Chattanooga resident Jim Hartley. What started humbly in 2003 out of Jim’s family home in Red Bank has grown into a full-service agency with more than 1,500 clients. Licensed in both Tennessee and Georgia, River City Insurance is proud to serve individuals, businesses and the greater Chattanooga area community, where its employees live and work. The agency is a trusted, A+ rated Better Business Bureau accredited business and member of the Chattanooga Area Chamber of Commerce, where Jim serves on the board of the Red Bank Council.


Independent Options

As an independent agency committed to offering competitive products and rates, River City Insurance isn’t tied to a specific carrier. This means our licensed agents have the freedom to shop around to ensure you get the right coverage with the lowest premiums. It starts with helping you navigate the complicated industry by identifying your needs and risks to create personalized policy plan. We’ll then partner with national carriers, so you can compare your options and decide what will work best for you or your business. These high quality, trusted insurers include Nationwide, Liberty Mutual, Lloyd’s, Aegis Security Insurance Company, Atlantic Specialty Lines, Celina Insurance Group, Erie Insurance, GuideOne Insurance, Progressive, Travelers, J.M. Wilson, Foremost Insurance Group, Hagerty, Zurich and GAINSCO.


Expert Service

River City Insurance’s licensed, accessible agents work hard to understand you, so you get the coverage you need and nothing more. Our experienced team is focused on providing exceptional, individualized attention as we shop around to match you with the best coverage for your needs and budget. That means working with you one-on-one to develop not only the perfect policy but also a lasting relationship. Once we’ve found the coverage you need, we’ll conduct an annual policy review to ensure it’s still the right fit, year after year. We’ll also be there to help when it matters most with our swift, start-to-finish claim-processing assistance.


Comprehensive Coverage

River City Insurance offers the full suite of personal insurance products, including bonds, auto, home, life, health, supplemental, recreational and asset protection policies. We’ve also developed a niche in commercial insurance. From churches to restaurants, we can tailor coverage to fit the needs of any business, including policies for bonds, auto, health, life, landlord, property, general liability, umbrella and workers’ compensation. And you can bundle coverage for increased protection and savings. In every stage of life and business, we’ll keep you, and the people and things you care about most, protected.