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Business Insurance in Tennessee

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What are the requirements for small business insurance in Tennessee?

State laws can affect which insurance policies you need for your small business. These policies are required for Tennessee businesses.
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Workers' compensation insurance

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. Every business in the construction or coal mining business must carry workers' compensation insurance, regardless of the number of employees. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

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 bodily injury liability per person, and $50,000 bodily injury liability per accident.

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.

Recommended insurance policies for small businesses in Tennessee

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Tennessee business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Tennessee business insurance

In Tennessee, insurance agents, agencies, and brokers are licensed by the Department of Commerce & Insurance. Insureon is licensed in Tennessee as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 2008453). Verify our licensure with the Tennessee Department of Commerce & Insurance Licensee Look-up.
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