Business coverage guide · Middle Tennessee
How Much Business Insurance Do I Need?
Small business coverage depends on what you do, what you own and who you employ. Here’s where to start.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
Most small businesses start with general liability, then add property, business auto, workers’ compensation and other coverage based on their work, their contracts and state rules. The right limits often depend on what landlords and customers require.
Coverage
Sizing your business insurance, step by step
Work through these for your business insurance. Rough answers are fine to start.
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1. General liability
For injuries and damage to others.
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2. Property
Your building, equipment and inventory.
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3. Vehicles
Business-owned or business-used vehicles.
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4. Employees
Workers’ compensation rules depend on your business.
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5. Contracts
Leases and customer contracts may require certain limits.
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6. Business income
If a covered loss shuts you down.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to gather before you call about business insurance
Having these nearby makes a business insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- What your business does
- Number of employees
- Your lease and key contracts
- Vehicles used for work
Around Middle Tennessee
What people often miss with business insurance
Contracts and leases often set minimum limits. Bring them to the conversation.
A business owner’s policy may combine property and liability for some businesses.
Sources: U.S. Small Business Administration: get business insurance
Check your contracts
Many leases and contracts require proof of certain coverage. Read them before you shop.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Middle Tennessee Business Coverage Guide FAQs
Updated
What insurance does a small business need?
It depends on your work. General liability is usually the starting point.
What is a BOP?
A business owner’s policy combines property and liability for eligible businesses.
Do I need workers’ comp?
Tennessee has rules based on your business and employees. We’ll go over them.
Does my personal auto cover work driving?
It may not. Ask us.
How much liability do I need?
Your contracts often set a minimum.
Can you send certificates of insurance?
Yes, for clients and landlords.
Do home-based businesses need coverage?
Often, yes. Homeowners policies usually limit business coverage.
How do I start?
Call 615-562-5100.
Questions about your business insurance?
Tell us a little about your situation and we’ll follow up about your business insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about business coverage guide or anything else on your policies? 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