Starting a business in Tennessee opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your Tennessee business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
Whether you’re looking to satisfy Tennessee requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.
General Liability Insurance covers losses related to the most common lawsuits that arise from everyday business activities. This type of insurance protects your business against liability lawsuits due to property damage, personal injury and bodily injury.
Commercial Property Insurance covers your Tennessee business against risks to your building, equipment, and inventory. Fires, theft, vandalism, water damage, and many other common causes for damage or loss are covered up to the coverage limits you choose.
Workers' Compensation insurance provides monetary benefits to workers who are injured or become disabled on the job. The insurance covers the medical costs, rehabilitation and lost wages.
Commercial Auto insurance provides coverages such as liability, collision, medical payments to the vehicles used for your business. This insurance covers various automobiles used by businesses including commercial trucks, food trucks, service utility trucks and specialized equipment.
Professional Liability insurance is excellent for businesses that offer health, legal or any professional advice to customers. The insurance covers the business from being liable should the customer sue your business for misinformation or malpractice.
Many businesses think that Property Insurance is enough to cover lost revenue, but what happens when your business is forced to suspend operations due if your property is destroyed. Business Interruption insurance focuses on the time where you cannot conduct business due to a destroyed property or a malfunctioned equipment.
A Tennessee business with 5 or more employees must have Workers' Compensation coverage. Construction or trade businesses that have 1 or more employees also must carry Workers' Compensation coverage.
Some insurance coverages are required by TN law. Other coverages are optional, but may be wise choices. Every business has liability risk. Property damage coverage is also a common choice.
Tennessee requires minimum coverage amounts of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 coverage for property damage liability.
Every Tennessee business is unique. Insurance rates depend on a number of factors, including your experience, the type of business, your claims history, and your chosen coverage limits.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:
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