Call Us Today:
865.482.2222
Coverage for Your Business
Construction Insurance
Specialty Trade Contractors Insurance
Manufacturing Insurance
Retail Insurance
Coverage for Your Employees

Our Locations

Gray, Fox, Heatherly & Letner Insurance Group

110 South Illinois Avenue, Suite 200
Oak Ridge, TN 37830
Main office: 865-482-2222
Fax: 865-482-2207

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Gray & Duncan Insurance Agency

20409 Alberta St. North Town Plaza
Oneida, TN 37841
Main office: 423-569-8629
Fax: 423-569-8444

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 12:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: 9:00 AM - 12:00 PM
Sun: Closed

Gray Insurance Agency Inc

1210 Jacksboro Pike
LaFollette, TN 37766
Main office: 423-562-3346
Toll free: 877-472-9467
Fax: 423-562-0845

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Todd Fox Insurance Agency

110 South Illinois Ave, Suite 100
Oak Ridge, TN 37830
Main office: 865-482-0513
Toll free: 877-472-9467
Fax: 865-481-2599

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Welcome to our site!

In 2015 the Hardy & Wren Agency, Todd Fox Agency and Gray Agency merged to form Gray, Fox, Hardy & Wren Insurance Group.  The agency’s mission statement is “To provide timely and comprehensive insurance solutions for businesses that best meet their needs at the most affordable price.”  Gray, Fox, Hardy & Wren serves commercial clients from East Tennessee to Central Alabama and all areas in between.   The Agency is licensed in multiple states throughout the Southeast.  This allows us to serve clients with operations in multiple states.  The agency represents several of the most recognized carriers in the industry. 

We pride ourselves in identifying coverage gaps and providing comprehensive solutions to meet the needs of our clients. 

Our professionals will...

  • Indentify risk and review current coverage
  • Develop an individualized program for each business
  • Provide the best coverage at the best price available
  • Maintain a trusted relationship with our customers