Business Insurance — Built Around Your Operation
Business Insurance Solutions to Protect Your Company
Tate Insurance Group provides business insurance companies can rely on from startup to expansion. We learn how you work, then tailor protection for your people, property, vehicles and contracts. As a commercial insurance agency, we compare multiple carriers and coordinate certificates and claims from one local office.
Our Commercial Insurance Products
Here is a quick look at the core coverages businesses ask for. Use this list to jump to the right details and build a plan that fits how you operate.
The foundation for third-party injuries, property damage, and personal or advertising injury on or off your premises.
Coverage for buildings you own, tenant improvements, equipment, inventory, furniture, and business income after a covered loss.
A streamlined package that combines property, liability, and business income for many small businesses.
Protection for vehicles titled to the business, plus options for hired and non-owned autos when employees drive personal cars for work.
Required for many employers, covering medical costs and lost wages for job-related injuries or illnesses.
Designed for advice-based work and services where a mistake can cause a client’s financial loss.
Higher limits that sit above primary policies when contracts or risk profiles call for added protection.
License and permit bonds, contractor and performance bonds to meet state and project requirements.
Serving Businesses Across Industries
From a food truck to a boutique or a software team, we match coverage to real risks. Restaurants may prioritize liquor liability and equipment breakdown, tech companies often need cyber and E&O, while contractors look for tools coverage and fast certificates. Wherever you do business, we build a plan that fits your workflow and budget.
Why choose Tate for Commercial Insurance
Independent means choice. Local means a team that answers here in Knoxville and coordinates claims so you are not chasing a hotline. We help set limits required by leases and vendor contracts, deliver same-day certificates when possible, and review your policy each renewal to keep pace with payroll, inventory and vehicles.
Tell us what you’re looking to protect
Questions Tennessee Business Owners Ask
What insurance does my small business need?
Most companies start with general liability for third-party injuries and damage. If you own equipment, inventory, or a building, add commercial property. If you have employees, rules often require workers comp based on headcount and industry. We will review your operations and set clear priorities.
Do I need workers compensation if I have three employees?
In many non-construction businesses, requirements begin at five employees. Construction trades follow stricter thresholds. Even when not required, workers compensation can protect payroll and help you meet contract expectations.
How fast can I get a certificate of insurance for a new lease or vendor?
Our Knoxville team issues certificates quickly during business hours and updates additional insured wording to match your contract language.
Do you handle specialty risks like cyber or professional liability?
Yes. We place professional liability for advice-based work and add cyber protection for data and system exposures. Tell us about contracts, software, or payment processing so we can match coverage.
What affects the price of commercial insurance ?
Premiums reflect business class, payroll or revenue, claims history, building values, security features, chosen limits, and deductibles. We shop multiple carriers and look for credits you can earn.
