Additional Insurance in Murfreesboro & Nolensville, TN and the Surrounding Areas

Insurance Options Catered to Your Business

At Middle TN Insurance Group, Inc, we offer coverage options for accounting firms designed to cater to specific needs within your industry. To go along with the core coverage options we offer, we will work with you to create a protection plan that is unique to your business. Avoid potential financial problems that may arise if you find yourself in a situation where your business is not properly covered.

Contact an insurance specialist at Middle TN Insurance Group, Inc today.

We provide a multitude of insurance options for your accounting firm:

• Workers’ compensation
• Liability coverage
• Commercial auto insurance
• Property insurance
• Umbrella coverage
• Professional liability

Continuous Coverage Built to Complement Your Business

Alarm contractors face a number of challenges specific to their industry. Installation and continuous service to your customers can leave you and your business vulnerable to a number of potential pitfalls if you are not properly covered. At Middle TN Insurance Group, Inc, we can work with you to find coverage for all aspects of your business, from errors committed during installation to property damage, and much more.

Here are some of the coverage options we offer to alarm contractors:

• Liability coverage
• Errors and omissions (E & O)
• Property insurance and much more

As an arborist, you need specialized coverage catered to your business. There are regulatory issues to adhere to, tools and equipment that need to be covered, potential replacement of trees due to accidental destruction, property damage or bodily harm caused by pesticides or herbicides, and much more.

Here are some of the coverage options we offer to arborists:

• Liability coverage
• Errors and omissions
• Property damage coverage
• Coverage for herbicide and pesticide application
• Coverage for tools and equipment

With such an array of potential stresses that come with being an arborist, the assurance that your business is properly covered should not be one of them. Call Middle TN Insurance Group, Inc today to find the right protection plan for your business.

Existing buildings are exposed to a wide variety of threats — fire, flooding, and vandalism are just a few of the ways building structures can be harmed. However, buildings under construction aren't ready to face risks that completed buildings can withstand. There's also the chance of an accident during the construction phase, like materials being destroyed or installed incorrectly. A proper risk analysis from our Middle TN Insurance Group, Inc, agents can help reduce the number of threats a new construction faces, and our agents can help reveal additional threats that may need to be covered by additional policies.

Builder's risk insurance is a policy designed to mitigate the chance of loss and protect you in the event that damage is done to the building. This policy is most commonly purchased by landowners and those funding the project, although some contractors purchase it in order to have more control over how each job is insured.

This policy is mainly designed for new construction, rather than changes and improvements to existing buildings. That form of construction is usually covered by property insurance and does not need any additional coverage, although it's best to talk with an agent before starting any particularly large project just to be absolutely sure it's covered.

What Does Builder's Risk Insurance Cover? What Does It Not Cover?

Builder's Risk Insurance generally covers the owner, the lending institution, the contractor(s) performing the work, and other related parties. In addition to providing coverage for damage to the building itself, most plans also cover temporary constructs (like scaffolding), materials, and equipment being used (whether it's currently on-site or off-site). The majority of policies are written on an all-perils basis, which means that reimbursements are available for any losses except those specifically excluded.

Common exclusions from this coverage include (but are not limited to):

• The value of the land itself
• Employee theft
• Damages beyond the estimated value of the construction
• Any losses brought by law or ordinance changes
• Damage from earthquakes
• Losses from war, nuclear hazards, or actions by civil authority

As you can see, most of the exclusions are not likely to occur during the course of a normal construction project. The value of the land is the only one likely to change as new work is done, and you will likely need to account for any improvements or losses the next time your company prepares taxes.

Builder's Risk Insurance Policy Lengths

Most policies last until the building is no longer under construction. The exact point at which this occurs can vary — it may be when certain parts of the structure are done (but finishing work, like painting, has not been completed), up to the day it opens for business, or when the contract with the construction company ends. If you're worried about interim risks — like the building being damaged between when construction finishes and when it opens for business — talk to one of our agents and ask about extending your coverage.

1. "Threat/Vulnerability Assessments and Risk Analysis." WBDG. Accessed April 20, 2016. https://www.wbdg.org/resources/riskanalysis.php

2. "Who Should Buy Builder’s Risk Insurance?" BuildingAdvisor. Accessed April 20, 2016. http://buildingadvisor.com/who-should-buy-builders-risk-insurance/

3. "How Do I Account for Land improvements?" Questions & Answers - AccountingTools. Accessed April 20, 2016. http://www.accountingtools.com/questions-and-answers/how-do-i-account-for-land-improvements.html

When you own a cleaning business, you do more than just clean. Special challenges abound, including the potential for liability or exposure in your business. Business insurance can be a little more complicated for cleaning companies than it is for other businesses because of increased liability exposure.

Cleaning Business Insurance Features

Business insurance can cover more than just equipment; it also can cover lost time due to mechanical failures, power outages, and other unforeseen difficulties that are out of your control. Consider also workers compensation insurance, should an employee be injured on the job.

Another area of potential liability is if you or one of your employees cause damage to a client’s property or other people. Most cleaning operations involve being on property belonging to your clients, so your employees face the risk of damaging client property or causing injury and being held liable for that damage. A wet floor, for example, could expose your firm to liability if someone falls and is injured as a result of your cleaning work.

Having an insurance agent who knows the ins and outs of business liability coverage is crucial for your peace of mind. Insurance rules also vary greatly between states, so you need an agent familiar with the geographic area you service to make sure you have the most appropriate cleaning business insurance. Consider, too, if you work in more than one state, how that will affect your insurance needs.

Call Middle TN Insurance Group, Inc, today to make sure you have suitable coverage for your cleaning business insurance needs. Ask about any additional liability coverage you might need. If you are a first-time customer looking for insurance, call our office to see how we can help cover your business for all the scenarios that could impact it.

Just like any other business, your construction business needs core insurance offerings to go along with industry-specific coverage. Expensive equipment and tools, and possible injury, should be taken into account when thinking about what type of coverage may be necessary in the construction industry.

Middle TN Insurance Group, Inc coverage options for construction businesses include:

• Liability insurance
• Property insurance
• Business vehicle insurance
• Workers’ compensation and much more

Your business is an investment of the utmost importance. You need to protect what matters most to you. From core coverage to coverage that is specific to your business’ needs, Middle TN Insurance Group, Inc provides industry-specific insurance options aimed at consulting firms.

Avoid potential financial setbacks that can occur if your business is not properly covered. Here are some of the insurance options Middle TN Insurance Group, Inc provides to consulting firms:

• Professional liability
• Umbrella coverage
• General liability
• Property insurance and much more

Contractors get the job done — but take on a lot of risk while doing it. The Bureau of Labor Statistics reports that about 4 percent of all workers in the industry suffer injuries or illnesses—and the resulting costs add up. This is compounded by the many other problems that can occur at a given work site. Due to the many risk factors contractors routinely face in their work, good insurance policies become essential to any successful contractor's operation.

You should also consider how you're going to run your business. For example, running it as a Limited Liability Company (LLC) can help insulate you from cost overruns and avoid putting your personal assets at risk if a claim larger than your policy is filed. Our agents can help you determine the likelihood of hazardous situations to your business and how best to prepare for them.

What a Contractor's Insurance Package Covers

Contractor's insurance covers problems typically associated with the risks of construction and renovation projects, including risks to your employees, your work site, and anyone or any equipment involved. Most of these policies are a combination of other policies, often including:

• A Business Owner's Policy
• General Liability Insurance
• Worker's Compensation
• Commercial Vehicle Insurance

From there, what coverage is needed depends on the work that you do. Contractors in different industries often have different insurance needs (and occasionally different requirements, depending on local legislation). Middle TN Insurance Group, Inc can help you determine which forms of insurance are required for your company and ensure that you're never left exposed.

Contractors Equipment Insurance

Getting a job done takes more than human expertise and a keen eye for detail — you need to have the right tools for the job, or it's probably not going to be finished. However, if something goes wrong and your equipment is damaged or destroyed, you stand to lose a lot of money. This is particularly true if your company operates any larger pieces of equipment (bulldozers, etc.), which are sometimes omitted from normal coverage.

Middle TN Insurance Group, Inc's goal is to mitigate your risks as much as possible, and the more we know about your equipment, the better the policy we can offer. On request, we can let you know about how certain pieces of equipment are classified, the associated level of risk, and what kind of reimbursements you can expect if something goes wrong.

Contractor Vehicle Insurance

If you're one of the growing numbers of contractors who use vehicles during a job — not just to get to and from a worksite — then you may need an additional commercial vehicle policy that covers the vehicle(s) you use.

If you don't use your vehicle for commercial purposes, you may be able to lower your monthly premiums by having this coverage removed from your policy. The choice is ultimately yours, but if you're having trouble deciding, our agents can help you figure out whether or not your use of a given vehicle qualifies as a commercial purpose.

1. "About the Specialty Trade Contractors Subsector." U.S. Bureau of Labor Statistics. Accessed April 20, 2016. http://www.bls.gov/iag/tgs/iag238.htm

2. "Sole Proprietorships vs. LLCs." Nolo.com. Accessed April 28, 2016. http://www.nolo.com/legal-encyclopedia/sole-proprietorships-vs-llcs.html

Like general contractors, specialty trade contractors face the risks that come along with running a contracting business. Protect your business and your employees with specialized coverage that caters to your industry.

At Middle TN Insurance Group, Inc, we provide a number of insurance options for specialty trade contractors:

• Workers’ compensation
• Retirement plans 
• Group benefits 
• Liability coverage 
• Property insurance 
• Umbrella coverage 
• Other specialized coverage for tools and equipment will keep your business covered

At Middle TN Insurance Group, Inc, we work hard to create services and coverage options that fit the specific needs of your business. We understand the protection needs of Financial Institutions, from investment firms and insurance companies to community banks and credit unions. Each Financial Institution has very specific needs, which is why we provide industry-specific protection plans.

Check out some of our coverage options below:

• Property Coverage
• Liability Coverage
• Commercial Auto
• Errors and Omissions Coverage and many more

As a handyman, you're the person who fixes items when they break. Your job is to help others, but even with the best of intentions, mistakes can happen that put your business on hold, potentially allowing competitors to step in and take your customers if you're out of business for too long.

If you don't have insurance yet, you may be wondering how much you need, and for what scenarios this insurance can be used. Experts agree that you should get insurance as soon as you can afford it, and to make sure you get enough of it to cover your risks — the minimum amount for a policy is often not enough for proper protection. Middle TN Insurance Group, Inc's goal is to make sure the coverage you receive is affordable and right for your circumstances, and we'll work with you to find a plan that meets your needs.

When handymen perform repairs or contracting jobs on homes or apartments, it's important for their customers and their business that the work be done well. Many contractor's policies operate on a job-by-job basis, which only covers individual jobs for their duration, so any problems that occur during maintenance or construction are covered. However, you may also want to obtain completed operations liability coverage, which will help you with any claims that arise after your job is done.

While some policies only cover individual jobs, you can also purchase plans that insure the crucial elements of your small business.

Handyman Equipment Insurance

Your work isn't all that needs to be protected. Equipment is the heart of your business, and while you might not be worried about insuring a single hammer or crowbar, imagine how much it would cost to replace all of your tools if they were destroyed by fire or other accident. They'd have to be replaced before you could even start working again, and the price tag could quickly climb into the thousands of dollars if you use several specialty tools.

Handyman Vehicle Insurance

Many handymen use a vehicle to transport their tools from job to job. If you're one of them, commercial vehicle insurance can provide coverage if something goes wrong, such as accidentally colliding with a part of the client's property.

Speak with one of our agents today about the benefits of a handyman insurance policy.

1. "49-9071 Maintenance and Repair Workers, General." U.S. Bureau of Labor Statistics. Accessed April 20, 2016. http://www.bls.gov/oes/current/oes499071.htm

2. "Handyman Insurance: A Complete Guide." Handyman Startup. Accessed April 20, 2016. http://www.handymanstartup.com/handyman-insurance/

Garage insurance protects businesses with garage facilities from all kinds of risks, such as injuries, property damage, and human mistakes. Without this insurance, a small business' reputation can be seriously tarnished and hard-earned money will go not to profits, but to payouts.

Garage liability insurance mostly applies to towing businesses and service stations that help protect customers' cars and trucks while they are serviced or held. For instance, if a customer's vehicle is damaged due to the business' negligence, the vehicle would be covered under a garage insurance policy.

Some of the more common kinds of garage insurance are:

• Body Shop Insurance
• Repair Shop Insurance
• Tow Truck Insurance
• Transmission Shop Insurance

Garage Insurance Features

Garage liability coverage is another insurance type available to small businesses. It provides liability coverage for any accidents that may happen as a result of your day-to-day garage operations. These accidents may result in bodily injury, personal injury or property damage.

A business owners’ policy (BOP) is an option small businesses have when looking into garage-related insurance. It is perfect for individuals who need a bit more than the basic liability because business owners’ policy (BOP) offers protection for incidents like identity theft coverage and loss of income.

Workers' compensation insurance covers medical costs, rehabilitation expenses and any lost wages an employee might experience after getting ill or injured on the job. It also provides financial support to the family of any garage employee who dies from a job-related injury or illness.

With all that garage insurance has to offer, many small auto-related businesses make the choice to purchase this valuable protection. You can do it, too. Give Middle TN Insurance Group, Inc a call. We will give you a quote and tell you more about what this insurance can do for you and your small business. Get in touch with us today!

Healthcare facilities have very specific coverage needs. At Middle TN Insurance Group, Inc, we will work with you to create a protection plan that fits the needs of your facility; from hospitals and clinics to long-term care facilities and nonprofit organizations, we’ve got you covered!

Here are some of our coverage options for healthcare facilities:

• Property coverage
• General liability
• Professional liability
• Umbrella coverage
• Workers’ compensation

From physicians and dentists to pharmacists and physical therapists, Middle TN Insurance Group, Inc provides numerous insurance options to a wide range of healthcare practices. We understand that, as a healthcare practitioner, you need the peace of mind that comes with knowing your business is covered, so you can concentrate on providing quality service and care to your patients.

Check out some of our coverage options for healthcare practices below:

• General liability
• Professional liability
• Medical malpractice insurance
• Umbrella coverage
• Workers’ compensation

Your law firm requires industry-specific coverage, and Middle TN Insurance Group, Inc understands that. We have worked hard over the years to help ensure that we can provide the protection necessary for you to keep your business running smoothly. Middle TN Insurance Group, Inc offers core coverage options, as well as specialized coverage meant to cater specifically to law firms.

Check out some of our coverage options for law firms below:

• General liability
• Professional liability
• Legal liability
• Umbrella coverage
• Property insurance

Liquor laws vary widely by state, but one universal truth across the country is that all locations selling intoxicating beverages are at risk if the people they serve decide to make poor choices. Liquor liability policies are very specific about what they cover, and our agents can help make sure your policy fully protects your business.

The most important aspect of liquor liability insurance to keep in mind is that it is not included with most business policies. You've invested a lot in running your establishment, and one thing you don't need is a regulatory fine for something you thought had been taken care of. Our agents will make sure that doesn’t happen by creating a policy that meets local regulations and provides enough coverage for the types of incidents you face. These include:

• Injuries or damages caused by intoxicated patrons
• Lawsuits brought by customers who misinterpreted an employee's actions (especially being escorted out of the establishment)
• Litigation costs, including hiring a lawyer and defending against claims brought against your business

Liquor Liability for Weddings and Events

Licensed establishments aren't the only places where liquor might be served. People also tend to drink alcohol at weddings and other major events — sometimes as part of the ceremony, other times as a way of relaxing and having fun afterward. Whatever your reason for serving alcohol, liquor liability insurance can help keep costs from spiraling out of control if someone gets drunk enough to cause a scene.

Middle TN Insurance Group, Inc agents are familiar with which local venues require you to have this coverage if you'll be hosting a wedding where alcohol will be served, and our representatives will work with you to ensure that the policy you have meets any other requirements the location has.

Limitations of Liquor Liability Insurance

Most policies apply only to incidents that you were involved with as a part of doing business or hosting an event. They may not cover off-site incidents, non-business activities (such as giving free drinks to friends after closing down your business for the night), and similar incidents. Exclusions may vary by policy, so be sure to read which ones apply to you and consider asking for a policy modification if you expect any of the exclusions to occur on a regular basis.

Your policy may also have an annual cap on how much it will pay out. If your business is particularly risky (for example, bottles are broken on a particularly frequent basis), you may wish to increase your policy limit. Call now for more information — our agents can help you determine the amount of liquor liability insurance that's most appropriate for your business.

1. O'Connor, Cozen. "Comparison of State Liquor Liability Laws." Cozen.com. August 2007. Accessed April 21, 2016. https://www.cozen.com/admin/files/publications/Dram_Shop.pdf

2. Larino, Jennifer. "Bars Often Roll Dice on Liquor Liability Coverage." Insurance Journal News. April 01, 2013. Accessed April 28, 2016. http://www.insurancejournal.com/news/southcentral/2013/04/01/286632.htm

3. "Host Liquor Liability." Insurance Glossary. Accessed April 28, 2016. https://www.irmi.com/online/insurance-glossary/terms/h/host-liquor-liability.aspx

Maintenance contractors require specific insurance plans to match the service and cleaning needs of the industry. At Middle TN Insurance Group, Inc, we understand that your business coverage requires flexibility, which is why we work with you directly to create a plan that is unique to your business’ needs.

Here are some of the coverage options we offer to maintenance contractors:

• Property damage coverage
• Theft coverage
• Lost key coverage for janitors
• General liability

Keep Your Business Afloat

At Middle TN Insurance Group, Inc, we are proud to offer insurance to those working in the pool and spa industry. Contractors, retailers, and manufacturers alike will be pleased with the business insurance packages we provide. Our industry-specific coverage options will help ensure that you and your business are protected.

Here are some of the insurance options we provide:

• Property damage coverage
• Errors and omissions
• General liability
• Commercial auto and much more

Coverage Built to Match the Precision of Your Business

Printing and publishing companies rely on precision, in both the speed of delivery and the accuracy of the work. Such precision requires sophisticated equipment and services. Middle TN Insurance Group, Inc understands your need to be well protected against the numerous risks that come with running your own printing and publishing business. Our goal is to reduce those risks and alleviate any unnecessary stress you may have, so you can concentrate on running a successful business.

Here are some of the coverage options we offer to printers and publishers:

• Errors and omissions coverage
• Professional liability
• Property coverage
• Corrections of work coverage and more

You will want to ensure that your real estate business is covered properly, primarily based on what type of real estate in which you are involved. At Middle TN Insurance Group, Inc, we will work with you to create a business owner’s policy that can lump coverage, such as:

• Property insurance 
• Liability insurance
• Business vehicle insurance 
• Workers’ compensation and much more

Fine dining facilities, franchise restaurants, fast food stops, and cafeterias feature a variety of different risks, but all share a need for the same basic coverage: commercial property insurance, general liability insurance, and business income coverage.

At Middle TN Insurance Group, Inc, we want to help you reduce losses that could impact your business. We can help you customize an insurance plan that specifically fits your food service establishment, letting you focus on providing a great experience for your customers.

Restaurant Insurance Quotes in Murfreesboro, TN

We work with a variety of insurance carriers to provide quick, accurate, and comprehensive restaurant insurance quotes. We help protect your employees and your customers with property insurance that includes spoilage coverage; general liability insurance that protects in the event of slips, falls, and more; and business income coverage to protect against a loss of income.

Specific Features of Restaurant Insurance, Including Workers' Compensation Insurance

Middle TN Insurance Group, Inc offers protection for your business in the following areas:

• Building and Business Property Damage and Loss
• Commercial Liability
• Employment Practice Liability
• Liquor Liability
• Lost Business Income
• Loss of Records
• Extraordinary Expenses
• Moneys and Securities
• Food Safety
• Crime
• Workers' Compensation
• Employee Benefits
• Hired Non-Owned Auto Insurance

Our agents are happy to review these coverage with you to determine which ones are necessary for your restaurant.

Best Restaurant Insurance in Murfreesboro

Just like a local restaurant needs to cater to a community's tastes, Middle TN Insurance Group, Inc is in tune with what our clients are looking for. If you’re looking for restaurant insurance that leaves you satisfied, contact an agent or request a quote today.

Additional Resources

• Food Service Business Insurance (Insurance Information Institute)
• Insurance Buyer’s Guides (The National Association of Insurance Commissioners (NAIC))
• Small Business Insurance Details and Resources (The U.S. Small Business Administration (SBA))

Retailers face a number of challenges when it comes to keeping their business running at a high level, including everything from regulatory issues and theft to competition within the industry. When it comes to managing the risks of running your own retail business, you want the best protection possible. Middle TN Insurance Group, Inc will work with you to formulate an insurance package fit for your business.

Here are some of our insurance options for retailers:

• General liability
• Property coverage
• Crime insurance
• Umbrella coverage
• Business interruption insurance

Risk Solutions for the Scrap Metal Industry

Scrap metal businesses are exposed to industry-specific risks. At Middle TN Insurance Group, Inc, we understand those risks and we understand what it takes to keep your business protected. We cover everything, from local scrap yards to large-scale scrap metal and recycling businesses.

Our services include, but are not limited to:

• Property insurance
• General liability
• Umbrella coverage
• Specialized coverage for equipment and machinery
• Commercial auto insurance

Quality Insurance Options for Your Storage Facility

As is the case with most businesses, self-storage facilities are subject to damage, theft, and the liability that comes owning/renting a space. As the owner of a self-storage facility, you want to make sure you are protected. Middle TN Insurance Group, Inc will work with you to create an insurance package that will provide you with the protection you desire.

Here are some of the coverage options we offer to owners of self-storage facilities:

• Property coverage
• General liability
• Theft coverage
• Customer goods liability
• Sale and disposal liability