For accounting, real estate, consulting and other offices
Professional Office Insurance for Middle Tennessee Businesses
Hi, I’m Dustin Rodgers. Your clients count on your advice and your work, and the practice behind it deserves protection that fits. Call us, or request a quote below.
Local help for local offices
Talk with a real person on Providence Pkwy about your office.
The short answer
What insurance does a professional office in Tennessee need?
Many offices look at general liability, professional liability for claims about their work, property coverage for equipment, and cyber coverage for client data. Workers’ comp generally applies once you have five or more employees. Some clients or licensing boards may set requirements.
Whether you’re a solo practice or a growing firm, we’ll learn how your office works and explain options plainly.
Coverage
What coverage can we help your office with?
We can help you look at general liability, professional liability (errors and omissions), cyber liability, office property, workers’ comp, hired and non-owned auto, and a commercial umbrella. Coverage is subject to policy terms, underwriting and availability. Which coverages are available depends on carrier eligibility and underwriting, and every policy has its own limits, exclusions and terms. We’ll go over what applies to your business before you decide anything.
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General liability
For a client who slips in your lobby or a courier hurt on your stairs, this may respond to the claim.
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Workers’ compensation
Pays toward treatment and some lost pay when a staff member is injured at work, even in a desk job.
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Hired and non-owned auto
For employees who drive their own cars to client meetings or the bank.
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Professional liability (E&O)
Can help with claims that your advice or work caused a client a financial loss.
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Cyber liability
Can help with costs after a data breach or cyber attack, where available.
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Commercial umbrella
An added layer when a client or lease wants higher liability limits.
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Office property
Protection for computers, furniture and your build-out, plus business income options if a covered event closes the office.
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Client contracts
Some clients ask for certain coverage in your contract. Send it to us and we’ll review it with you.
Which coverages are available depends on carrier eligibility and underwriting, and every policy has its own limits, exclusions and terms. We’ll go over what applies to your business before you decide anything.
Workers’ comp in Tennessee
Do I need workers’ comp in Tennessee?
Sources: Tennessee Bureau of Workers’ Compensation: Who Must Carry Insurance
- Five employees or moreMost Tennessee businesses outside construction generally need workers’ comp once they have five or more employees, including part-time workers.
- Owners and officersHow owners, partners and corporate officers are counted can vary by business structure. We’ll go over yours.
- A 1099 doesn’t settle itThe state looks at how the work is controlled, not just how someone is paid. A worker you pay on a 1099 may still count as an employee.
Know your risks
What risks come with running a professional office?
Professionals usually worry about three things: a client blaming their work, a breach of client data, and an office they suddenly can’t use.
- A client says you made a mistakeProfessional liability may help with defense and covered claims.
- Data breachClient records are valuable. Ask about cyber coverage.
- Visitor injuriesGeneral liability may help if a visitor is hurt.
- Lost equipmentLaptops and servers can be damaged or stolen.
- Office closureBusiness income may help after a covered loss.
Leases, contracts and requirements
Contracts and requirements for professional offices
Clients, landlords and some licensing boards may ask for coverage. Bring those requirements to us.
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Client contracts
Some contracts require professional liability or cyber coverage.
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Your lease
Leases often ask for liability coverage and a certificate.
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Licensing boards
Some professions have their own insurance rules. Check yours and tell us.
We’re an insurance agency, not a licensing office or attorney. Rules change, and cities and counties can add their own, so always confirm current requirements with the right state or local office.
Certificates of insurance
Need a certificate of insurance?
Landlords, lenders, event venues and clients often want a certificate of insurance. Call us at 615-562-5100 with the certificate holder’s name and address and what they’re asking for.
A certificate only shows the coverage your policy already has. It can’t add coverage or change your policy. Additional insured, waiver of subrogation and primary and noncontributory requests depend on your policy’s terms, so send those to us early and we’ll tell you what’s possible.
What to have ready when you call
- The certificate holder: Their full legal name and mailing address.
- The job: The project name or address, if they want it listed.
- Their requirements: The insurance page of the contract, or the list of limits and endorsements they asked for.
Areas we serve
Where do we work with professional offices?
Our only office is in Mt. Juliet, and we work with businesses in Mt. Juliet, Lebanon, Watertown, Hermitage, Old Hickory, Nashville, Gallatin, Hendersonville and the rest of Middle Tennessee, all from our Mt. Juliet office.
- Wilson CountyMt. Juliet, Lebanon and WatertownHome of our office on Providence Pkwy.
- Davidson CountyHermitage, Old Hickory, Donelson and NashvilleWest on I-40 and Lebanon Rd.
- Sumner CountyGallatin and HendersonvilleNorth across Old Hickory Lake.
- All of Middle TennesseeMiddle TennesseeAnywhere in Middle Tennessee. Most of what you need can be handled by phone and email, and you’re always welcome at the office.
Our office sits on Providence Pkwy, just off I-40 in Mt. Juliet. We work with local businesses from Lebanon and Watertown to Hermitage, Nashville, Gallatin and Hendersonville. Wherever your business is, you can call one local office for your coverage.
Getting started
How does getting a quote work?
Call or request a quote
Call 615-562-5100 or use the form below. Tell us what kind of work you do and who you work for.
We talk it through
We’ll ask about your business, your team, your space, vehicles and any lease or contract requirements, and explain your options in plain language.
You decide
We’ll go over the coverage options available to you, what each one does and what it costs, so you can choose what fits. No pressure.
More for Middle Tennessee businesses: restaurant insurance, retail store insurance, business auto insurance and small business insurance. In the trades? See our insurance for contractors. Not sure where to start? Read how much business insurance you may need.
Your agent
Meet Dustin Rodgers
I’m Dustin Rodgers, and I run Rodgers Insurance Agency from our office on Providence Pkwy in Mt. Juliet. I grew up in Middle Tennessee, and a lot of the people I work with are small business owners who build, fix and maintain this area for a living. I’ve been in the insurance business since March 2011.
When you call, you’ll talk with me or someone on my team who knows your file. We’ll listen to how your business actually runs, explain things in plain language, and be here when you need a certificate, a policy change or help with a claim.
- TN Insurance License #2027275
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Frequently Asked Questions
Updated
What is professional liability insurance?
Also called errors and omissions, it can help with claims that your advice or work caused a client a financial loss.
Is professional liability the same as general liability?
No. General liability is for injuries and property damage. Professional liability is for claims about your work.
Do I need cyber coverage?
If you keep client data, it’s worth asking about.
Do professional offices need workers’ comp?
Most non-construction businesses in Tennessee must carry it at five employees, part-time staff included. Owners and officers are counted differently, so let’s look at yours.
Are my laptops covered away from the office?
It depends on the policy. Ask about coverage for equipment you take with you.
Does my client contract require coverage?
Many do. Send it to us and we’ll go over it.
What if I work from home?
A homeowners policy may limit business coverage. Tell us how you work.
A client asked for my certificate of insurance. What now?
Send us the client’s name, address and the contract language, and we’ll issue a certificate showing your current coverage.
We’re a Nashville firm. Can you still help?
Yes. Plenty of our business customers are in Nashville, Hermitage, Lebanon and Gallatin and handle everything by phone and email.
What do I need for a professional office insurance quote?
It helps to have a short description of the services you provide, annual revenue, headcount, any client contract insurance clauses, and your current declarations pages. Then we’ll follow up.
Request a business insurance quote
Tell us a little about your business, and we’ll call you back during business hours. Prefer to talk now? Call 615-562-5100.
It helps to have a short description of the services you provide, annual revenue, headcount, any client contract insurance clauses, and your current declarations pages.
Stop By or Call Our Mt. Juliet Office
Have a lease or contract that asks for certain coverage, or just a question? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed