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Tennessee Contractor Insurance

The Insurance You Need Fast, Cheap & Easy!

From Tennessee Workers’ Compensation Insurance to General Liability, Commercial Auto Insurance More We Are Your Easy & Stress Free Construction Insurance Provider in Tennessee State!

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Business Insurance for Contractors in Tennessee

As a contractor in Tennessee, it is important to protect your business and your employees by having the appropriate insurance coverage. Contractor insurance, also known as construction insurance, is specifically designed for contractors and construction professionals. It protects against financial losses from accidents, injuries, and property damage that may occur on a construction site.

Tennessee General Liability Insurance

This type of insurance protects contractors against claims of property damage or bodily injury resulting from their business operations. For example, if a contractor accidentally damages a customer’s property while working on a project, general liability insurance would cover the costs associated with repairing the damage. It can also cover legal expenses if the contractor is sued due to the incident.

Tennessee Workers' Compensation Insurance

This type of insurance provides financial support to employees who are injured on the job, including medical expenses and lost wages. It is required by law in Tennessee for businesses with at least five employees. If an employee is injured while working, workers’ compensation insurance will cover the costs of their medical treatment and any lost wages they may incur due to their injury.

Tennessee Commercial Auto Insurance

If contractors own or use vehicles for their business, they may need to purchase commercial auto insurance to protect against losses resulting from accidents or other types of vehicle damage. This insurance covers vehicles for business purposes, such as transporting tools or equipment to job sites. It typically includes coverage for damages to the insured vehicle and liability coverage for damages or injuries caused to others in an accident.

Tennessee Builder's Risk Insurance

Building or remodeling a structure requires a significant amount of effort and time. You never know what can happen during the process, so be sure you’re covered.

While constructing a brand-new structure is exhilarating, it is extremely risky. Especially when unfinished portions are left out in the open during the procedure. Builders risk insurance provides much-needed protection to ensure that your project is not harmed. It is not only for the builders, but also for the owner, financing institution, and others.

Tennessee Inland Marine Insurance

You’ve created a company that benefits the neighborhood it serves. You put a lot of effort into taking care of your customers and rewarding their loyalty with superior goods and services.

You can strengthen the basis of your company with Tennessee inland marine insurance. When a piece of property is in transit, whether on-site or traveling by road, it is insured under inland marine insurance.

Tennessee Commercial Umbrella Insurance / COI

Umbrella policies are essential for businesses given that they are beneficial to individuals. An umbrella insurance policy can make a difference in whether a company survives a catastrophic liability loss.

It’s critical for today’s business owner to take into account the escalating costs of lawsuits and verdicts. Any company can experience catastrophic liability losses at any time, and a commercial umbrella policy safeguards you in the event that the losses exceed your standard liability insurance. Your business has taken a lot of time and work to develop; it is too crucial for it to vanish due to a single unforeseeable circumstance.

Tennessee ACORD Certificates

Tennessee ACORD certificate is a formal document provided as evidence that the company has a valid liability insurance policy that is acknowledged by the law. Typically, this one-page document contains information about the insurance coverages and the policies that the insurance provider has provided. 

Usually, this contains the broker information, the limits, and the name of the insurer. The liability insurance certificate is typically required by landlords, government licensing bodies, and when entering into agreements with other firms as evidence that should something go wrong on your part, they would be adequately paid.

Business Insurance for Contractors in Tennessee

It’s important for contractors to carefully assess their specific needs and determine which types of insurance will provide the necessary protection for their business. This may vary depending on the size and scope of their operations and the specific risks they face.

  • Some contractors may need to purchase multiple types of insurance to protect their business fully. For example, a contractor with a fleet of vehicles and multiple employees may need to purchase general liability insurance, workers’ compensation insurance, commercial auto insurance, and property insurance.
  • It is a good idea for contractors to consult with an insurance professional to ensure that they have the appropriate coverage. An insurance professional can help contractors understand their specific risks and recommend the types of insurance that will provide the necessary protection.
  • Contractors should also be aware of any insurance requirements stipulated in their contracts with clients. Some clients may require contractors to carry certain types of insurance to work on their projects, so contractors need to be prepared to meet these requirements.
  • It’s also a good idea for contractors to review their insurance coverage regularly to ensure that it is still adequate for their needs. As a business grows and changes, its insurance needs may also change, so it’s important to stay up-to-date on coverage.

When shopping for contractor insurance in Tennessee, it is important to consider the specific needs of your business. Different policies will offer different levels of coverage, so it is important to carefully review the terms and conditions of each policy to determine which one is right for you.

It is also helpful to work with an insurance broker or agent who has experience in the construction industry and can help you find the right coverage for your business. They can help you understand the different types of coverage that are available and assist you in selecting a policy that meets your needs and fits your budget.

Contractor insurance is an important investment for any construction business operating in Tennessee. It helps protect against financial losses resulting from accidents, injuries, and property damage that may occur on a construction site. If you are a contractor in Tennessee needing insurance coverage, we have the right plan for you at the best price.

No matter what type of insurance you seek, we have various options to choose from to ensure that you and your business are properly protected. We understand the unique needs of contractors and are dedicated to providing the highest quality insurance coverage at competitive rates. Whether you need general liability, workers’ compensation, or any other type of coverage, we have the resources and expertise to help you find the right insurance solution for your business.

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Your Tennessee Contractors Insurance Questions Answered

Get answers to your most common questions from Contractors Liability

For General Liability Insurance in Tennessee you need $1,000,000 per occurrence and $2,000,000 aggregate almost 100% of the time. 99% of all General Liability policies we sell in Tennessee are $1,000,000/$2,000,000.

For Commercial Auto Insurance in Tennessee you need $1,000,000 CSL meaning $1,000,000 Combined Single Limit for Bodily Injury and Property Damage to the other party combined. To protect your Tennessee vehicle you need to have Comprehensive and collision coverage. Commercial Auto Collision Insurance in Tennessee covers any collision and Comprehensive Commercial Auto Insurance covers anything but collision.

For Workers Compensation Insurance in Tennessee you need $500,000/$500,000/$500,000 in general. This covers your workers in the event of a claim where the owner is liable up to $500,000. In 99% of cases the owner is not liable and coverage for workers compensation is unlimited.