General Liability Insurance in Tennessee—Protect Your Business From the Unexpected

One Accident, One Lawsuit—Are You Covered?

If a client slips in your store or you accidentally damage a customer’s property on a job, the costs can be huge. General liability insurance covers the medical bills, repair costs, and legal fees that follow—even if a lawsuit is involved. For Tennessee businesses of any size, GL coverage is the backbone of protection. The Bill Yon Agency helps you choose the right limits, get proof of insurance fast, and move forward with confidence.

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What Does General Liability Insurance Cover?

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Bodily Injury

Pays for injuries to people who aren’t your employees—like customers or visitors—if they get hurt at your business or job site.

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Property Damage

Covers damage you or your staff accidentally cause to someone else’s property, whether at your place or theirs.

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Personal & Advertising Injury

Protects against claims of libel, slander, or copyright infringement related to your advertising or business communications.

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Legal Defense & Settlements

Pays for attorneys, court costs, and judgments or settlements up to your policy limit—even if a claim is groundless.

Note:

General liability does not cover your employees (see Workers’ Compensation), professional mistakes (see Professional Liability), or damage to your own business property (see Commercial Property).

Where Businesses Risk Going Unprotected

  • Not carrying GL because it’s not legally required—then facing out-of-pocket costs after an accident.

  • Only buying the minimum limits, not realizing contracts or leases may require $1 million or more in coverage.

  • Confusing general liability with professional or workers’ comp insurance, and ending up with gaps.

  • Waiting until the last minute for a certificate of insurance, risking lost business opportunities.

  • Not reviewing policies annually—missing out on discounts or letting coverage become outdated.
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Fast Coverage, Certificates, and Claims Support

  • Do I need general liability insurance?

    Most businesses do—especially if you serve clients in-person, rent commercial space, or work as a contractor.

  • How much coverage do I need?

    Many contracts require at least $1M per occurrence/$2M aggregate. Higher limits or an umbrella may be recommended for added peace of mind.

  • Is it required in Tennessee?

    It’s not mandated by state law, but landlords, clients, or licensing boards often require proof of coverage.

  • How fast can I get proof of insurance?

    We can usually issue certificates the same day your policy is active.

  • Can you help with specialty needs?

    Yes—we offer endorsements for contractors, events, and liquor liability, plus rapid COIs for Sumner and Davidson County businesses.

Protect Your Business’s Future—Start With a Free GL Consultation

Don’t wait for a lawsuit or accident to find out you’re unprotected. The Bill Yon Agency makes general liability simple, affordable, and tailored to your company’s risks and contracts.

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Your Experience, Step by Step

  • Quick application, with help choosing the right limits for your industry.

  • Multiple carrier quotes to compare price and coverage.

  • Same-day certificate issuance—no waiting on paperwork.

  • Our team handles the paperwork, SR-22 filings if needed, and ongoing support.

  • Annual policy reviews to keep your business fully protected.
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Your General Liability Insurance Questions, Answered

  • How much general liability insurance should a small business in Tennessee carry?

    Many contracts require $1M/$2M limits, but the right amount depends on your risk. We’ll help you decide based on your business type and exposures.

  • What types of incidents are most common?

    Slip-and-fall injuries and accidental property damage are the top claims—often costing tens of thousands per incident.

  • What doesn’t GL cover?

    It won’t cover employee injuries, professional errors, or damage to your own property—ask us about workers’ comp or E&O for those gaps.

  • Is it expensive?

    GL is often more affordable than you think—especially when bundled in a Business Owners Policy (BOP).

  • How quickly can I get proof of insurance?

    Most certificates are issued same day.

Let's Talk

Win Contracts and Sleep Easier—Get Your Liability Coverage in Place

Don’t let one accident or lawsuit threaten everything you’ve built. The Bill Yon Agency is your local partner for fast quotes, expert advice, and responsive support every step of the way.