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5865 Ridgeway Center Parkway, Ste. 300
Memphis, TN 38120

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Required Commercial Insurance in Tennessee

In Tennessee, the state mandates certain types of commercial insurance for Tennessee businesses. Your business may fall into the category of one that needs to have these commercial insurance policies. It’s important to know what is mandated and whether your business is included in that mandate. When you need commercial insurance in Tennessee, give us a call now at Riskbusters Insurance.

Required Commercial Insurance For Your Business

Workers’ Compensation Insurance

In Tennessee, this type of commercial insurance is required for businesses that have at least five employees. These workers may work part-time or full-time. The number of employees does include corporate officers, even if these officers are not covered by the policy. If your business is in the coal mining or construction industries, you have to have this commercial coverage for all employees no matter how many of them they are. When you have a workers’ comp policy in place, it pays for medical bills and other costs that are due after a worker is injured while at work. It also pays disability benefits for workers who need them after an injury. This insurance can help protect your company from liability.

Commercial Auto Insurance

When you own a business in Tennessee, and the business owns a vehicle, you are required to have a commercial auto insurance policy for that vehicle. This coverage protects you against the costs due after the work vehicle has been in an accident. There are several types of coverage that are required to be in these policies. These include an amount of coverage for one person’s bodily injury liability. Another amount for all of the injured parties is also required for this liability coverage. In addition, the policy must contain a property damage liability amount of coverage. If you run a trucking company, there may be other types of insurance you are required to have. 

Get Coverage Today

To get commercial insurance in Tennessee, call us at Riskbusters Insurance.


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