Discount Contractors Insurance

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




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 a leading source for Tennessee Contractors' Insurance products and services, our specialty programs provide a wide variety of affordable options from the insurance industry's top carriers -

Why do I need Contractors Insurance?

Contractors’ insurance protects against the financial risks present at all stages of business operations.

Working in the construction field is one of the most dangerous occupations in Tennessee. Lack of situational awareness is a major contributing factor to many construction site accidents. A simple mishap by a distracted worker, oblivious to the hazardous surroundings, can spell disaster for many contractors if not adequately insured. Bodily injury and property damage caused by catastrophic construction failures can lead to unexpected lawsuits, sending unprotected business owners scrambling through obstacles to avoid financial freefall.

Our Tennessee contractors’ insurance policies will protect your company against unforeseen business claims during all hours of the day.

Protect Against the Unpredictable

Tennessee contractors are encouraged to visit the Board for Licensing Contractors to verify laws, regulations, required fees, and documentation before beginning operations.

With automatic discounts applied for instant savings, our insurance pros are on standby to assist Tennessee contractors with a customized insurance package appropriate for 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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