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A few minutes can save you up to 65% or more with
Tennessee's best contractors' insurance programs –

Contractors
Insurance

Tennessee

Tennessee

Contractors Insurance

Stop overpaying for coverage in the Volunteer State!
A few minutes can save you up to 65% or more with Tennessee’s best contractors’ insurance programs –

Coverage for Tennessee Contractors

As Tennessee's one-stop shop for affordable Contractors' Insurance products, we offer specialized programs with fiercely competitive rates from the industry's highest-rated insurance carriers –

What is Tennessee Contractors’ Insurance?

Contractors’ insurance is more than just a safety net — it’s a crucial tool that provides you with peace of mind, shielding you from financial risks at every stage of your business operations. In the high-risk environment of the construction industry, it’s a necessity, not a luxury.

Why Do I Need It?

Whether you’re erecting a new commercial building in Memphis, remodeling a music venue in Nashville, or doing service and repair work in Knoxville, the construction industry is fraught with hazards. A distracted worker, unaware of the dangers around them, can cause significant accidents, posing serious risks to contractors. Without proper insurance, incidents leading to bodily injury or property damage can result in costly lawsuits, potentially jeopardizing your business. Our specialized insurance programs have helped numerous contractors in similar situations, providing them with the financial protection they needed to continue their operations.

Our Tennessee contractors’ insurance policies go beyond basic protection. They provide comprehensive coverage for your company against unforeseen claims, ensuring you’re covered 24/7.

Protect Against the Unpredictable

Responsibility and trustworthiness go hand in hand when building a successful construction business. All Tennessee contractors should visit the Board for Licensing Contractors to verify laws, regulations, required fees, and necessary documentation before starting operations.

With automatic discounts for instant savings, our team of experienced insurance experts is ready to assist Tennessee contractors in creating a customized insurance package that fits both your budget and business needs.

Our Recommended Products

General Liability


Tennessee contractors’ general liability is the foundation of a well-balanced commercial insurance portfolio.

Tennessee contractor general liability insurance protects businesses from financial liability incurred by products, services, or operations claims.

Tennessee contractors’ liability insurance protects business and project owners against financial harm caused by property damage or personal and bodily injury to a third person or party.

Tennessee contractors’ business liability insurance is coverage for:

  • Business Liability
  • Products-Completed Operations
  • Fire Legal-Damage to Rented Premises
  • Defense Costs
  • And More

Workers' Comp


Tennessee contractors’ workers’ comp insurance is a “no-fault” system in which workers receive medical and compensation benefits regardless of who caused the job-related injury.

Tennessee contractor workers’ compensation protects employees with work-related injuries, occupational illnesses, and deaths arising out of the course and scope of employment.

Benefits that injured employees may be entitled to receive under a Tennessee contractors’ workers’ comp policy include:

  • Medical Benefits
  • Partial Wage Replacement
  • Temporary Disability Benefits
  • Permanent Disability Benefits
  • Death Benefits

Employers that fail to comply with Tennessee contractors’ workers’ comp laws are subject to punishment, including penalties and fines.

Please visit the Tennessee Department of Labor & Workforce Development to verify Tennessee contractors’ workers’ compensation regulations.

Surety Bonds


A Tennessee contractors’ surety bond protects governmental agencies and public consumers against contractors that fail to adhere to state laws and regulations.

Various contractors may be required to post a Tennessee contractor bond to comply with local or state licensing prerequisites.

Tennessee contractors’ surety bonds are protection products that guarantee a consumer that the agreed terms outlined in a bid are complete.

Commercial Auto


A Tennessee contractor commercial auto policy provides liability and physical damage coverage for your business-owned, leased, and hired vehicles.

Tennessee contractors’ business auto insurance provides coverage to compensate expenses if a company-owned vehicle is involved in an accident or damaged by vandalism or theft.

Tennessee contractors’ commercial auto insurance provides coverage for third-party injury or property damage caused by a covered driver of an at-fault accident.

A Tennessee contractors’ commercial auto policy covers:

  • Bodily Injury & Property Damage Liability
  • Comprehensive & Collision Damage
  • Uninsured & Underinsured Motorist
  • Hired & Non-Owned Vehicles
  • Med Pay
  • And More

Inland Marine


Tennessee contractor tool and equipment insurance provides a broad range of coverage that repairs, replaces, or reimburses lost or damaged hand tools, materials, and owned, rented, or leased equipment on a job site, in transit, or off-site storage.

A Tennessee contractors’ tools and equipment policy safeguards against:

  • Wind Damage
  • Hail Damage
  • Fire Damage
  • Water Damage

Tennessee contractors’ inland marine insurance can provide specialized coverage for “installation” and “builders” risks.

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