Full Service Insurance Inc. is your trusted independent insurance agency in Franklin, Brentwood, Nashville, Thompsons Station, Spring Hill, Nolensville, Columbia and throughout middle Tennessee, including Williamson and Davidson counties and other areas of the southeastern United States.

Your family, your business and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor.

What Sets Us Apart


As an independent insurance agency we have great relationships with many well-known, reputable insurance companies, giving you the power of choice.


Our insurance advisors have years of experience in the insurance industry and serve as your advocate from selecting coverage through filing a claim.


Our insurance advisors have a strong passion for insurance and protecting what you value most in business and in life. Since we started as a family business, we treat you as part of our family. 

Full Service Insurance Inc. first opened it’s doors in 1975 when Paul Pratt, Sr. acquired the very first office in historic Franklin, TN. It had one room. Since then, we’ve acquired seven additional agencies over our 43 years in the insurance industry. Today, we are one of the largest family owned and operated independent insurance agencies in middle Tennessee.

In 2013, Paul Pratt, Sr. retired from the agency leaving Paul Pratt, Jr. as President and CEO and John Pratt as Vice President/Secretary/Treasurer. Collectively, we have decades of experience in creating customized solutions for our personal insurance, business insurance and employee benefits clients.

We offer a comprehensive suite of insurance solutions to a wide variety of individuals and businesses in Franklin, Brentwood, Nashville and throughout middle Tennessee, specializing in Home InsuranceAuto InsuranceBusiness Insurance and Group Health Insurance.

We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future. Because we’re independent, our priority is you – not the insurance company. We represent many different insurance companies which offer a wide variety of coverage options and price points. Our goal is to deliver the right blend of price, coverage and service.

We believe that trust is a fundamental element to the relationship. We want to trust our clients – and want to earn theirs as well. That’s why our insurance advisors make it their business to know your world inside and out. They are there to help you through all the changes in your life and your business, whether you’re going from renting an apartment to buying a home, adding a partner to your business, getting married, renovating your home, adding a teen driver to your auto policy or revamping your employee benefits plan.

Our History


Paul Pratt, Sr. opened first office on 5th Ave North in Franklin TN. It was a one room office.


Moved to a larger office on 4th Ave in Franklin and hired Mary Kate Pratt Crutcher and Carol Bond as Peronal Lines Customer Service Representatives.


Moved to a larger space on 2nd Ave in Franklin


Paul Pratt, Sr.’s son, Paul Pratt, Jr. joined that agency as part owner and vice president. Soon after they added another employee, Linda Woodside and started the commercial lines department. In the following years, two more employees were hired making it a 6 person company.


Paul Pratt, Sr’s other son, John Pratt joined the agency as a part owner and Corporate Officer. Full Service Insurance acquired another Nashville based agency owned by Pam Suttle Hight. She and her daughter joined the FSI staff. The office then moved to 1st Ave South in Franklin.


Full Service Insurance acquired The Roy Barker Agency and thus became the largest locally owned property and casualty agency in Williamson County. In the next few years, we acquired three other agencies.


Moved to 903 Murfreesboro Road, where our offices are still located today.


Opened our Life and Health department headed by David Kardokus.


Paul Pratt, Sr. retires from Full Service Insurance. Paul Pratt, Jr. becomes President and CEO of Full Service Insurance while John Pratt becomes Vice President/Secretary/Treasurer.

Our Membership


Our Bragging Rights

Sizzle Logo

6 times | 2018 winner

Williamson County Sizzle Award

best insurance agency
At Full Service Insurance Inc., our mission is very simple. We strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers. We offer comprehensive insurance solutions in Franklin, Brentwood, Nashville, Thompsons Station, Spring Hill, Nolensville, Columbia and throughout middle Tennessee, including Williamson and Davidson counties and other areas of the southeastern United States.