Business Insurance in Tennessee

Simple and easy insurance for your Tennessee business.


We cover many types of businesses and professionals in Tennessee

Owning a small business in Tennessee is an exciting venture, but it comes with its share of risks. Your hard work and dedication deserve protection, and that’s where we come in.

Accountants Professional Liability Insurance in Tennessee

As an accountant in Tennessee, you understand the complexities and risks associated with providing financial advice and services. Our Accountants Professional Liability Insurance is tailored to protect you from the unique challenges you face. From allegations of negligence to mistakes in your work, we’ve got you covered, allowing you to focus on what you do best—managing finances and helping clients thrive.
  • Stacking deductible waivers that can add up to a full deductible waiver, in most cases
  • Up to $750 per day in lost wage reimbursement for attendance at a trial or mediation/arbitration
  • Disabled partner replacement/addition: expenses incurred to hire a qualified replacement
  • Disciplinary proceedings: expenses incurred while defending an inquiry, complaint, or mis-conduct allegation from a state bar association or regulatory agency
  • Subpoena assistance: expenses incurred while preparing to answer a subpoena summons
  • Reputation protection: expenses incurred while responding to damaging information shared in print, online, or on social media
  • Broad coverage limits up to $2M available
  • Experts who specialize in accountants’ risks to help ensure you’re covered for industry-specific losses

Engineers Professional Liability Insurance in Tennessee

Engineers play a crucial role in shaping Tennessee’s infrastructure and development. However, with this responsibility comes the risk of errors or omissions in your work. And we know that with professional liability insurance, one size does not fit all. We work with ASCE, whose expanded program includes higher limits and broader coverage to protect you from potential lawsuits and claims.
  • Coverage limits up to $10 million1
  • Professional services including engineer, surveyor, and architect with broader definitions available2
  • Supplementary payout to offset claims expenses (e.g., court costs, lawyers, witnesses)
  • Loss of earnings reimbursement
  • Reputation management expenses in the event of a crisis (e.g., advertising, PR, media analysis)
  • Legal counsel and defense of all claims

1Available to qualifying firms; subject to underwriting.

2Depending on plan, may be included or may be specifically named by endorsement if exposure is reported.

Lawyers Professional Liability Insurance in Tennessee

Legal practice in Tennessee demands precision, expertise, and attention to detail. Our Lawyers Professional Liability Insurance provides financial support if an alleged error or omission results in a lawsuit. Whether it’s a client dissatisfied with your services or an error in legal advice—our coverage ensures you can continue to practice law with confidence.
  • Limits up to $10 million for qualified insureds (additional amounts available through quota and excess policies) 
  • No hammer clause—we’ll never settle a claim without your consent 
  • Free extended reporting period in the event of death, disability, or retirement 

Real Estate Errors & Omissions (E&O) Insurance in Tennessee

As a real estate professional in Tennessee, your clients rely on your expertise to navigate complex transactions. However, mistakes can happen, leading to potential legal actions. We offer an E&O policy that’s designed by and for real estate professionals—not something generic that’s been modified, pieced together, and missing what you need.

  • Agent-owned residential property transaction coverage option
  • Subpoena assistance (no-cost legal assistance)
  • Lockbox and open house coverage to full policy limits
  • Mold coverage with limits beginning at $250,000
  • Public relations advisory services
  • Fair housing discrimination claims
  • Environmental “Failure to Advise” coverage

Orthodontists Malpractice Insurance in Tennessee

Orthodontists in Tennessee provide essential dental care, but even the most skilled professionals can face malpractice claims. From misdiagnoses to treatment errors, malpractice insurance ensures you can continue to provide quality care without added stress. AAOIC provides a stable, affordable source of professional liability insurance for members of the AAO who practice in the United States. Plus, it’s the only malpractice insurance that’s endorsed by the AAO.

  • First-time buyers’ credit
  • Policyholders become shareholders
  • Premium credit (share in the profits)
  • No hammer clause
  • Additional discounts available

Garage Liability Insurance in Tennessee

Operating a garage in Tennessee comes with inherent risks, from accidents involving customer vehicles to slips and falls on your premises. No matter what your automotive business specializes in, one thing is certain: garage liability insurance is a must. Pearl’s AutoShield Plus program provides robust garage liability insurance, so you can run your automotive business with confidence.
  • Exclusive product through AmTrust North America
  • Limited access to this exclusive product
  • Longevity—specialized program since 2016
  • In-house underwriting authority
  • Policy form designed for risks specific to the repair/aftermarket industry

Business Owners Policy (BOP) Insurance in Tennessee

As a business owner, you pour your heart and soul into making your venture a success—protecting it with comprehensive insurance is crucial.

A Business Owners Policy (BOP) provides a solid foundation of coverage, combining essential protections into one convenient package.

  • General liability coverage—helps protect your business from claims of bodily injury or property damage caused by your operations, products, or premises
  • Property coverage—safeguards your business property, including buildings, equipment, inventory, and furniture, against threats such as fire, theft, vandalism, and natural disasters
  • Business interruption coverage—helps replace financial losses resulting from temporary closure or suspension of your operations due to covered threats

Cyber Liability Insurance in Tennessee

In today’s digital age, technology plays a vital role in the success of businesses. With increased connectivity and reliance on digital systems, the risk of cyber threats and data breaches is ever-present.

Cyber Liability Insurance offers comprehensive protection tailored to the unique challenges of the digital landscape. From network security breaches to cyber extortion and business interruption, this insurance coverage shields your business from the financial and reputational damages caused by cyber incidents.

  • Data breach response—covers the costs associated with responding to a data breach, including notifying affected individuals, providing credit monitoring services, and more
  • Cyber extortion coverage—for expenses related to responding to cyber extortion threats, including ransomware attacks, and the costs of negotiating with and paying extortionists
  • Cyber risk management—offers resources and guidance to help you mitigate cyber risks before an attack occurs, potentially saving you thousands

Employment Practices Liability Insurance in Tennessee

Fostering a positive work environment and ensuring fair employment practices are vital to the success of any organization. As a business owner, you invest significant time and effort in building a strong team and nurturing a culture of inclusivity. However, even with the best intentions, employment-related disputes can arise. Employment Practices Liability Insurance (EPLI) provides protection against malpractice suits and physical damages to your office and its contents, as well as claims of discrimination, sexual harassment, and wrongful termination. 

  • Wrongful termination protection—shields your business against claims of wrongful termination, including allegations of discrimination, retaliation, or violation of employment contracts
  • Harassment and discrimination coverage—for claims related to harassment or discrimination based on factors such as age, gender, race, religion, or disability
  • Wage and hour dispute protection—for claims related to alleged violations of wage and hour laws, including allegations of unpaid wages, overtime, or improper classification of employees

Workers Compensation Insurance in Tennessee

At the heart of every thriving organization are the dedicated individuals who bring their skills and talents to the table. As an employer, it’s your responsibility to ensure their well-being and provide a safe work environment. Workers Compensation Insurance offers a safety net for both you and your employees, offering financial protection and support in the event of work-related injuries or illnesses. 

  • Medical expenses coverage—for treatment and rehabilitation costs for employees injured on the job
  • Lost wages and disability benefits—provision of compensation to employees unable to work due to work-related injuries or illnesses, including disability benefits
  • Death benefits—financial support for the dependents of employees who suffer fatal work-related injuries or illnesses

Auto Insurance in Tennessee

You deserve car insurance that protects you whether you’re on a cross-country road trip or running errands in town. That’s why we don’t offer just one auto insurance policy, we shop the market to ensure you get the coverage you need at a price you can afford. 

  • Vehicle replacement coverage—reimbursement for the cost of replacing your vehicle if it is involved in an accident
  • Original manufacturer parts—coverage for factory parts from your vehicle’s original manufacturer, ensuring high-quality repairs
  • Gap Coverage—protection for the “gap” between what you owe on your vehicle and its actual value if it is declared a total loss due to an accident or theft
  • Rental vehicle coverage
  • 24-Hour roadside assistance

Home Insurance in Tennessee

Your home is not just a physical structure; it’s the cornerstone of your life, filled with precious memories and dreams for the future. Homeowners insurance is more than just a policy—it’s a shield for your way of life. With something as significant as your home, it’s essential to have personalized protection that truly understands your needs. Our dedicated team of experts is here to guide you in finding the ideal coverage at the right price, ensuring that your home and cherished memories are shielded with care. 

  • Property protection—for your home, permanent structures, and personal property
  • Water and sewage backup coverage—expenses for cleanup and repairs due to water and sewage backup
  • Liability coverage—for bodily injury and property damage to others that you are legally responsible for
  • Jewelry coverage—for lost, stolen, or damaged jewelry
  • Additional living expenses—reimbursement for the cost of staying in a hotel while your home is being repaired
  • Extended replacement cost—coverage for rebuilding your house, even if it exceeds the original value

Renters Insurance in Tennessee

A home is more than just four walls—it’s a reflection of your personality and a haven for your cherished belongings. Home is where the renters insurance is. Our dedicated team is committed to finding the perfect policy that aligns with your specific needs, so you can enjoy the freedom and flexibility of renting without worrying about unforeseen events. With monthly costs as low as your morning latte, this coverage can help ensure you and your belongings are protected. And with our help, you’ll save yourself the hassle of comparing insurance quotes. We’ll help you find the coverage you need for a price you can afford. 

  • Personal belongings protection—for lost, stolen, or vandalized personal belongings, such as jewelry and electronics
  • Property damage coverage—for expenses related to cleanup and repairs due to water, smoke, or fire damage
  • Liability coverage—for bodily injury and property damage sustained by others for whom you are legally responsible
  • Additional living expenses coverage—reimbursement for additional living expenses, including hotel costs and meals, while your rental property is being repaired

Umbrella Insurance in Tennessee

Life is full of surprises, so it’s always nice to have an extra layer of protection just in case. Securing umbrella insurance is like having a friendly guardian by your side, ready to shield you from the unexpected. When you’re juggling the demands of work, family, and everything in between, the last thing you need is an unforeseen event to disrupt your harmony. That’s where we step in, offering you a safety net that extends beyond the limits of your other personal liability policies. From accidents to liability claims that exceed your coverage—our umbrella insurance has you covered no matter what life throws your way. 

  • Personal liability—additional coverage for costs such as medical and funeral expenses incurred by others (due to an auto accident or a mishap at your home, for instance)
  • Legal defense coverage—for lawsuits involving slander, libel, defamation of character, and other personal attacks
  • Landlord liability—coverage for injuries or property damage suffered by a tenant if you’re a landlord

Other Insurance in Tennessee

Excellent | 4.9 out of 5 Stars