East Tennessee · Mon–Fri

Coverage that looks after your people — without landing on your desk.

We’re a Knoxville benefits team. We help employers put solid options in place for the folks who show up every day — and the households counting on them — then we carry the follow-through so you can keep running the shop.

Take the quick fit test Or contact us

Four short questions → a coverage-path recommendation · Call anytime Mon–Fri · Licensed in Tennessee and surrounding states

Why shops call us

Straight talk — what you actually get.

  • Office help Mon–Fri — quotes, renewals, and admin weight moved off your desk so you’re not chasing paperwork alone.
  • Real care, not a call-center vibe — brokers who stay with you and treat your people like they matter.
  • We walk the options with you — company plan, year-end style, or allowance-style — until it makes sense for your crew.
  • Same-business-day when we can — leave a note; someone from the team calls back.
  • Built for East Tennessee shops — and employers in surrounding states. Larger groups welcome.

Who you’re talking to

Drew Crook
Drew Crook
Josh Jones
Josh Jones

Drew and Josh are family men who take this work personally. They’ve sat on the owner side of the desk — payroll Friday, decisions that ripple into people’s homes — and they show up the same way for the shops they serve. They quote carefully, sit with you and your people (in person or on Zoom), explain options the way you’d tell your crew, and stay through renewal when the numbers get real. If it doesn’t fit your shop, they keep looking.

Contact us

Leave a few details. Someone from the team will call you back — same business day when we can.

Talk it through first, or send a census for numbers. Either way leads to a real conversation — no charge to talk or quote.

Call / note We’ll call you back
Census quote Email a spreadsheet — we build numbers

Used only to follow up on this request. Privacy.

Your note lands with our office — they’ll book you with a broker.

Want a quote from a census instead?

Download the blank spreadsheet, fill it offline (includes EIN / Tax ID and tobacco Y/N; no Social Security numbers), then email us the filled file with subject [3to99 census]. Nothing uploads on this site.

Download blank census Email us · [3to99 census]

Call: (865) 371-3320 · Email us · Knoxville, TN · 3to99, LLC · Licensed insurance producers in Tennessee and surrounding states.
This page is a request to talk or quote — not an offer of insurance or a policy.