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Get Tennessee Small Business Insurance

biBERK is trusted by many companies for Tennessee business insurance. We offer flexible policies to protect you from the many types of risk Tennessee businesses face.

Tennessee Workers' Compensation Insurance

Workers’ comp insurance in Tennessee helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer Tennessee workers’ comp insurance tailored to suit your business.

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Tennessee General Liability Insurance

Also known as commercial liability insurance, Tennessee general liability insurance is essential. It covers damages and legal costs associated with injury claims to customers and other people you don't employ (like from slip-and-fall accidents at your business location), medical costs associated with these incidents, and damage to other people's property that was caused by your business. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your general liability insurance in Tennessee, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Tennessee Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) is a type of small business insurance in Tennessee combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Tennessee Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this Tennessee liability insurance could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Let’s say you own a software company and an error you make in developing a custom program for a client causes them financial damage. If they sue you, you may be protected by your professional liability policy. You should consider errors and omissions insurance in Tennessee if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Tennessee Commercial Auto Insurance

If your company owns or leases vehicles, this Tennessee small business insurance protects your organization. It can cover your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Tennessee Cyber Insurance

This type of small business insurance in Tennessee can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Tennessee Umbrella Insurance

When buying liability insurance in Tennessee, every policy has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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We Cover all Kinds of Professionals and Businesses in Tennessee, Including:

  • Accountants
  • Architecture and engineering firms
  • Auditors
  • Auto parts shops
  • Barber shops and beauty parlors
  • Bars, lounges, and nightclubs
  • Bathroom remodeling companies
  • Building electrician services
  • Bus companies
  • Cabinet and trim installers
  • Carpentry services
  • Concrete driveway companies
  • Conduit construction companies
  • Contractor building operations
  • In-home nanny or au pair
  • Drug stores
  • Electrical apparatus manufacturers
  • Floor and carpet installers
  • Garbage collection services
  • Heating and air companies
  • Iron frame and steel frame companies
  • Landscaping and gardening services
  • Laundry services
  • Lumberyard operations
  • Masonry services
  • Painters and wallpaper installers
  • Park operations
  • Plumbing services
  • Restaurants
  • Retail stores
  • Sales and collection services
  • Security system companies
  • Swimming pool construction companies
  • Telephone companies
  • Tree pruning and tree spraying services
  • Trucking
  • Welding and metal cutting companies

Why biBERK for Small Business Insurance in Tennessee?

We’re the experts when it comes to small business insurance.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Small Business?

We’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

Tennessee Small Business Insurance—Wherever You Are!

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

  • Business insurance in Nashville, TN
  • Business insurance in Chattanooga, TN
  • Business insurance in Knoxville, TN
  • Business insurance in Memphis, TN
  • Business insurance in Clarksville, TN
  • Business insurance in Murfreesboro, TN
  • Or anywhere in Tennessee!

What do biBERK Customers Say?

What Coverage is Required for Tennessee Small Businesses?

Workers' Compensation

In Tennessee, every business with five or more employees is required to carry workers’ compensation insurance. For construction and mining companies, workers’ comp is required even if a company only has one employee. If you’re required to carry workers’ compensation and you’re caught doing business without a policy, you can receive substantial fines and criminal penalties.

Special Considerations for Tennessee

Many locations in Tennessee have significant exposure to damages from wildfires. In 2016, more than 2,000 commercial properties were affected by wildfires in the Great Smoky Mountains. A property and liability policy would have covered those damages. If there is a potential for wildfires in your area, we strongly recommend a BOP.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for instance. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your Tennessee company is one of the smartest business decisions you can make.

What Does Business Insurance Cost in Tennessee?

The cost of business insurance in Tennessee depends on a number of factors, including industry, number of employees, and the amount of payroll. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Determine your cost for small business insurance in Tennessee with instant online quotes.

Tennessee Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for small business insurance in Tennessee and save up to 20%.