Business insurance · Middle Tennessee
Business Insurance by Industry in Tennessee
Every business has its own risks. A roofer, a bakery, and a bookkeeper all need different coverage. Use the search below to find your business type, see the risks that matter most, the coverages to consider, and the Tennessee rules that apply. This directory covers 182 business types.
- Veteran-owned (USMC)
- Independent agent: compares multiple carriers
- Free, no-obligation quotes
Find your business type
Type in the search box, or tap a category. Business types with a full guide link straight to it; others link to a short overview on their category page.
Contractors and Trades
Contractor and Trades Insurance in Tennessee
- Appliance Repair
- Carpenter
- Concrete Contractor
- Drywall Contractor
- Electrician
- Excavation Contractor
- Fence Contractor
- Flooring Contractor
- General Contractor
- Handyman
- HVAC Contractor
- Insulation Contractor
- Junk Removal
- Landscaping
- Lawn Care
- Locksmith
- Masonry Contractor
- Painting Contractor
- Paving and Asphalt Contractor
- Plumber
- Porch and deck building
- Remodeling Contractor
- Roofing Contractor
- Septic tank cleaning and pumping
- Siding Contractor
- Snow plowing and ice removal
- Solar Contractor
- Wallpaper hanging (paperhangers)
- Welding Business
- Window and Door Installer
Cleaning and Property Services
Food and Beverage
Retail
Retail Business Insurance in Tennessee
- Bookstore
- Boutique and Clothing Store
- Convenience Store
- Discount and department store
- E-commerce Business
- Electronics Store
- Florist
- Furniture Store
- Garden center and nursery
- Hardware Store
- Hobby and craft store
- Liquor Store
- Medical supply store
- Pet Store
- Retail Store
- Sporting goods store
- Thrift, consignment, and used goods store
- Vitamin and supplement store
Beauty and Personal Care
Fitness and Wellness
Health and Care Services
Professional Services
Professional Services Insurance in Tennessee
- Accountant
- Actuarial services
- Architect and Engineer
- Art consultants
- Attorney and Legal Services
- Call centers
- Consultant
- Education consultants
- Financial Advisor
- Independent claims adjusters
- IT Consultant
- Land Surveyor
- Loan officers and business financing
- Notary and Notary Signing Agent
- Product designers
- Safety consultants
- Staffing Agency
- Training and development specialists
- Translators and interpreters
- Travel agencies
- Virtual assistants and administrative support
Creative Services
Real Estate
Automotive
Transportation and Hauling
Pet Services
Childcare and Education
Events and Entertainment
Manufacturing and Wholesale
No match yet. Tell us about your business or call or text 615-808-1105. We can help with many types not listed here.
Tennessee basics for every business
Workers’ comp. Most Tennessee employers outside construction and coal mining must carry workers’ compensation once they have five or more employees, full- or part-time, per the Tennessee Department of Labor and Workforce Development. Even below that number, many owners choose to carry it.
Workers’ comp for construction. Tennessee requires construction employers to carry workers’ compensation for their employees even if they have only one, including part-time and family workers, according to the Tennessee Department of Labor and Workforce Development. Some construction business owners can apply to exempt themselves (not their employees) through the state’s exemption registry.
Commercial plates. In Tennessee, a vehicle with a commercial license plate must be covered under a commercial auto policy, according to the Tennessee Department of Revenue.
We can review your requirements and help you shop workers’ compensation and other coverages, subject to underwriting.
Frequently asked questions
What business insurance do I need in Tennessee?
It depends on your work, employees, vehicles, and contracts. Many businesses start with general liability or a BOP and add workers’ comp, commercial auto, and professional liability as needed.
Is general liability insurance required in Tennessee?
State law generally doesn’t require it for every business, but contracts, landlords, and some licenses do. For example, the Tennessee Board for Licensing Contractors requires general liability to get a contractor’s license.
What if my business isn’t listed?
Reach out anyway. We can review many types of small businesses and help you shop options, subject to underwriting.
Do you work with one insurance company?
No. As an independent agent, Eric can help you compare options from more than one carrier.
Questions? Let’s talk it through
Eric can review what you have, explain it in plain English, and help you shop options from more than one carrier. Start online, or call or text 615-808-1105.
Coverage descriptions are general information only; your policy documents determine actual coverage. Availability varies by carrier.
Eric Henry, licensed insurance producer, NPN 3953606 · Affiliated with Hutsenpiller Insurance. Coverage subject to policy terms and carrier approval.