Business Insurance in Tennessee—Protect, Grow, and Thrive With Confidence

Protect Your Business—So One Accident Never Ends Your Story

Running a business in Tennessee means navigating constant challenges, from unpredictable accidents to industry regulations. Whether you own a shop in Hendersonville, manage a contracting crew in Nashville, or operate across Sumner County, the right insurance plan can mean the difference between a minor setback and a major loss. At The Bill Yon Agency, we know business—because we are one. Our team partners with local companies to identify real risks, simplify coverage choices, and deliver protection that fits your goals and your budget.

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Our Full Range of Business Insurance Solutions

General Liability Insurance

Covers claims from accidents, property damage, or injuries at your business. Required for most contracts and a must for all business types.

Business Owners Policy (BOP)

Bundles general liability and property insurance, with business interruption coverage—ideal for small businesses seeking broad, affordable protection.

Commercial Property Insurance

Protects your building, equipment, inventory, and more from fire, theft, storms, and vandalism.

Workers’ Compensation Insurance

Covers medical bills and lost wages for employees injured on the job. Tennessee requires it for most businesses with 5+ employees, or 1+ in construction.

Commercial Auto/Truck Insurance

Insurance for business vehicles, fleets, or specialized trucks—covering property, liability, and hired/non-owned vehicles.

Professional Liability (E&O)

Protects service providers against claims of negligence, errors, or omissions. Essential for consultants, agents, and professionals.

Commercial Umbrella Insurance

Provides extra liability coverage above your base policies—protecting your assets from large lawsuits or claims.

Cyber Liability Insurance

Safeguards your company from the financial fallout of data breaches, hacking, and cybercrime.

Directors & Officers (D&O) / EPLI

Covers management and employment-related risks—ideal for corporations, non-profits, and organizations facing complex HR or governance issues.

Industry-Specific Solutions

We customize packages for contractors, restaurants, bars, churches, non-profits, farms, and more—addressing the risks that matter to your business.

What to Expect From Your Business Insurance Plan

Your company is unique—so your insurance should be, too. We’ll review your operations, identify exposures, and craft a plan that protects against everything from slip-and-fall lawsuits to property damage and cyber threats. With access to top carriers like Erie, Travelers, and Nationwide, we ensure you have options and can compare for savings.


Checklist:

  • Consultation to identify business risks and compliance requirements
  • Custom quotes from multiple leading carriers
  • Options for bundling to lower your premiums
  • Certificates of insurance and bond support, fast
  • Ongoing support for claims, renewals, and business changes
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Common Business Insurance Questions in Tennessee

  • What insurance does a small business in TN need?

    Most need general liability, property, and, if you have employees, workers’ comp. Many benefit from a BOP for cost savings and broad coverage.

  • How can I lower my business insurance costs?

    By bundling policies, managing risks, and shopping multiple carriers—our agency helps you find affordable options tailored to your needs.

  • Is workers’ comp required in Tennessee?

    Yes, for businesses with 5+ employees (or 1+ for construction). We’ll help you comply with all state rules.

  • Can you insure my industry?

    Absolutely. We insure contractors, restaurants, offices, retail, non-profits, farms, and more—customized for your business.

  • How quickly can I get a certificate of insurance?

    Usually within 24 hours—call us for urgent needs or requests.

Let's Talk

Secure Your Business—Request a Quote and Focus on Growth

The Bill Yon Agency is your partner in protection, helping Tennessee companies get insured, stay compliant, and recover fast from setbacks. Get custom business insurance, clear advice, and hands-on support whenever you need it.