Business Insurance for Contractors in Mt. Juliet and Middle Tennessee

Most contractors look at general liability, workers’ compensation, commercial auto, and tools and equipment coverage, plus any bonds a license, permit or contract calls for. Tennessee construction employers with even one employee generally must carry workers’ comp. The right mix depends on your trade, your crew and your contracts, so let’s talk it through.

Generally, yes, if you have even one employee. Tennessee construction employers with one or more employees must carry workers’ comp, including for part-time and family workers. Most businesses outside construction need it at five or more employees. Eligible owners can apply to exempt themselves through the state’s exemption registry, but employees still have to be covered.

General liability can help with claims that your work hurt someone else or damaged their property, like a customer or a neighbor. Workers’ comp can help pay medical bills and part of lost wages when your own employee is hurt on the job. Most contractors with a crew look at both. Limits, exclusions and terms vary by policy.

No. General liability is for claims from other people. Tools and equipment that travel with you are usually insured under an inland marine or contractor’s equipment policy, which can help with covered theft or damage. Coverage for gear left in an unattended vehicle may have conditions, so we’ll go over the details with you.

Often, no. Personal auto policies commonly limit or exclude vehicles used mainly for business, especially trucks, vans and trailers that carry tools, materials and employees. A commercial auto policy is built for that. Tell us how you use each vehicle and who drives it, and we’ll help you sort out what fits.

No. A bond protects the party who asked for it, like a licensing board, a city or a project owner, by guaranteeing you’ll follow the rules or finish the work. If the surety pays a valid claim, you’re generally expected to pay it back. We can help you look at license, permit and contract bond options.

It depends on your work. Many general liability policies limit or exclude pollution claims, which can matter for sewer and drain work, refrigerants, mold or spraying chemicals. Contractors pollution liability may be available, depending on carrier eligibility and underwriting. Tell us what you do and we’ll go over your options.

Call 615-562-5100 with the certificate holder’s details. When your policy is in place and the request comes in during office hours, we’ll work to get it to you as quickly as we can. A certificate can only show coverage your policy already has, and additional insured requests depend on your policy’s terms.

We’re glad to talk with other trades too. Which coverages are available depends on your work, carrier eligibility and underwriting, so call 615-562-5100 or choose Other trade on the form below and tell us what you do. We’ll be straight with you about what we can help with.

No. Our office is on Providence Pkwy in Mt. Juliet, but we work with contractors across Wilson, Rutherford and Davidson counties, including Lebanon, Murfreesboro, Smyrna, La Vergne, Hermitage and Nashville, plus Gallatin, Hendersonville and the rest of Middle Tennessee.