Tennessee state law requires businesses with more than five employees, full-time or part-time, to carry workers’ compensation insurance. Corporate officers are included in this headcount, even if they are ultimately excluded from coverage in your policy. This policy covers medical bills for work injuries and illnesses.
All business-owned vehicles in Tennessee must be covered by commercial auto insurance. Tennessee requires $15,000 property damage liability per accident and $25,000 personal injury protection.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.