Oak Hill Risk Advisors was founded in 1920 and is the oldest continuously operating business in Franklin, Tennessee. For more than a century, our agency has been closely tied to the history of Williamson County, with deep connections to some of Franklin’s most prominent families and business leaders, including Walter Roberts, Winder McGavock, Newt Cannon, Hugh Channell, and John Green.
For much of our history, Oak Hill operated as a traditional independent insurance agency in Franklin, TN. Today, we have intentionally evolved into a boutique risk advisory firm, specializing in high-net-worth personal insurance and select commercial insurance niches.
Relationships Matter
We are intentionally small—because relationships matter. Unlike large, volume-driven agencies that may serve thousands of clients, we deliberately limit the number of relationships we take on. This allows us to provide a higher level of attention, responsiveness, and strategic oversight for each client we serve.
Our size enables us to develop long-term relationships as trusted advisors, with a focus on detail, proactive planning, and staying closely aligned with changes in our clients’ lives and businesses. We routinely collaborate with our clients’ other professional advisors—including financial advisors, CPAs, estate planning attorneys, and business counsel—so that insurance decisions are integrated into a broader risk and planning strategy.
Clients who value discretion, expertise, and continuity choose Oak Hill Risk Advisors with confidence, knowing that confidentiality is paramount and that their affairs are handled with care, professionalism, and respect.
Knowledge Matters
We believe knowledge is power. There is no substitute for rigorous continuing education, advanced professional designations, and a disciplined focus on specific insurance niches. While many insurance practitioners enter the industry with only the minimum licensing education required, our firm has invested substantial time and resources in ongoing technical training and specialization.
As a result, our credentials and depth of expertise place us among a small fraction of insurance advisors nationwide—less than one percent—who have committed to this level of professional education. This commitment allows us to deliver more precise analysis, better coverage design, and informed advocacy on behalf of our clients.
Independent Matters
Unlike captive or direct insurance agencies—where agents are employed by a single insurance company and limited to that company’s products—Oak Hill Risk Advisors is 100% independent. We are not tied to any one carrier. Our role is to sit on our clients’ side of the table, providing objective guidance and access to multiple insurance solutions rather than promoting a single company’s offering.
We represent our clients in evaluating, assessing, and negotiating with a select group of financially strong, well-established insurance companies. This independence allows us to compare coverage terms, exclusions, pricing, and claims philosophies across carriers to design solutions that align with each client’s risk profile—whether personal or commercial.
Most insurance consumers underestimate how important true independence really is. We do not sell insurance products; we help clients make informed decisions about the insurance they purchase. When challenges arise—during underwriting, renewal, or claims—we advocate on our clients’ behalf and leverage the collective premium relationships we manage to help ensure fair treatment and appropriate outcomes.
Below is a brief comparison outlining the differences between an independent risk advisory firm like Oak Hill Risk Advisors and other common insurance distribution models.
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