Commercial and Business Insurance in Murfreesboro & Nolensville, TN and the Surrounding Areas

Combined Coverage for Special Advantages

At Middle TN Insurance Group, Inc, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

A Business Owners Policy (BOP) from Middle TN Insurance Group, Inc allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

• Products and Completed Operations
• Premises Liability
• Premises Medical
• Fire Legal Liability
• Business Income Insurance
• Building and Personal Property Protection
• On-Site Equipment Insurance
• Coverage for Inventory Loss
• Crime Insurance

Find Out if Your Business Is Eligible

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Middle TN Insurance Group, Inc who can help you determine whether a BOP is right for your small or medium-sized business.

Peace of Mind for Businesses on the Road

Middle TN Insurance Group, Inc understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

To prevent losing your hard-earned revenue due to an auto accident, you will want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Middle TN Insurance Group, Inc, we will work with you one-on-one to create a customized policy that may include:

• Bodily Injury Liability
• Medical Payments
• Personal Injury Protection (PIP) Coverage
• Comprehensive Coverage
• Collision Coverage
• GAP Coverage
• Uninsured and Underinsured Motorist Coverage

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.

Since Commercial Auto Insurance coverage varies, it is important to discuss your business’s options with a specialist at Middle TN Insurance Group, Inc who can help you determine the proper amount of coverage for all your commercial needs.

Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it is protected with a Commercial Auto policy from Middle TN Insurance Group, Inc.

Critical Assurance for the Protection of Your Business

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Middle TN Insurance Group, Inc, we can help you create a policy that is designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Commercial General Liability from Middle TN Insurance Group, Inc can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Middle TN Insurance Group, Inc include:

• Premises Liability
• Products and Completed Operations
• Premises Medical
• Fire Legal Liability
• Casualty Coverage

Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

• Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages, and lawsuits.
• Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
• Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it is important to talk with a specialist at Middle TN Insurance Group, Inc about the best options for your business.

Protection for Your Business Itself

Every day you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That is why it is important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.

With a custom Property Insurance policy from Middle TN Insurance Group, Inc, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

• Your building
• All interior items (desks, furniture, etc.)
• Any outdoor signs on your property
• On-site equipment
• Your inventory

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

Additional Business Protection

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact Middle TN Insurance Group, Inc today.

Protect Your Commercial Property

Commercial real estate insurance protects you from losses caused by damage to property assets. Most businesses are vulnerable to the same threats as every other building—fire, flooding, vandalism, or even being struck by a vehicle that goes out of control. Many of these problems are something that cannot be reasonably prevented, making them eligible for coverage that can help repair the building or allow your company to move to a new location.

Commercial Real Estate Insurance Features

As the owner of a business, you know how difficult it is to run a smooth operation. The last thing you need is a disaster that damages your workplace so badly that you can no longer continue operating. Commercial real estate insurance makes the crisis something you can handle. Before you start shopping, though, here are a few things to keep in mind:

• The first thing you should do is take stock of the company's physical assets. This includes your building, any paper records, inventory, office equipment, signs located outside, and anything else that qualifies as a physical asset.
• You may not need to insure everything the business owns. If you decide something is not worth insuring, removing it from your policy could lower your monthly premiums and make it easier to insure what truly matters.
• Most policies cover either the replacement cost (RC) or the actual cash value (ACV) of the insured items. Policies that include replacement cost are more expensive but allow for full replacement without calculating any depreciation. Actual cash value policies consider the loss of value over time and factor this difference in to any claims on the policy.

If you're not sure which policy options make the most sense for your company, ask one of our agents for more information and they'll help you make a decision.

Extra Protection That Keeps You in Business

As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances or even your operations.

With Commercial Umbrella Insurance from Middle TN Insurance Group, Inc, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.

What Does Commercial Umbrella Insurance Cover?

Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

• Accidental falls or slips on your property
• A carbon monoxide leak in your building
• Libel, slander, or invasion of privacy
• If one of your products causes injury or illness
• If a fire in your building damages other property
• Violations of Employment Practices Liability
• If your business vehicle is involved in an accident

How Much Umbrella Coverage Is Enough?

Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Middle TN Insurance Group, Inc, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.

Protect your business personally and financially with a Commercial Umbrella policy from Middle TN Insurance Group, Inc.

Specialty Coverage for Dishonesty in the Workplace

Unfortunately, crime and employee dishonesty can happen. As a business owner, sometimes it’s impossible to know whether the employees you hire are an honest fit for the job, and by the time you discover the truth, the damages can be costly.

At Middle TN Insurance Group, Inc, we can help your business develop a plan that keeps your assets protected in the event of such a specific circumstance. With Crime Insurance, your policy can include coverage for various situations, such as:

• Robbery or Burglary
• Computer Fraud
• Employee Dishonesty
• Theft of Business Property
• Forgery

Since there are limitations to your commercial crime policy, you should carefully discuss your options with Middle TN Insurance Group, Inc to find out what kind of insurance your business needs based on your current situation and potential risks.

Don’t lose important data or finances on the account of a dishonest employee’s actions. Keep your business secure with Crime Insurance from Middle TN Insurance Group, Inc.

Protect Against Errors and Omissions

Errors and omissions refer to mistakes, negligence, or discrepancies in a business’s accounting records, which can possibly be interpreted as fraud and lead to legal action. Business owners and executives have several legal and financial responsibilities that accompany their roles, and if they fail to fulfill these responsibilities by inaccurately reporting income, errors and omissions insurance will reimburse a business for problems arising from these fiduciary oversights.

As a business owner, you know how important it is to live up to your promises. Consumer trust is a key part of earning repeat business, which in turn helps to create a stronger, healthier, and more profitable company.

Errors and omissions claims have been trending higher in recent years, with multiple million dollar lawsuits being filed more frequently than ever before. Accordingly, most businesses need to have appropriate coverage amounts to be sure they're protected if a large claim is filed.

What E&O Insurance Cover

Policies can vary, but most forms of errors and omissions insurance cover the following. Note that some industries don't need all of the coverage mentioned below, while others may need additional coverage because of the nature of their operations. Middle TN Insurance Group, Inc agents will help you determine which coverages are best for you.

• Claims and Damages: These are one of the major sources of potential loss that your company faces. E&O protection on claims can reimburse you for any payouts you may have to make as a result of such claims being filed.
• Defense Costs: Whether or not you win a case, your attorney is going to expect payment. E&O insurance can reimburse you for their fees, allowing you to hire professional support without worrying that it will be too expensive for you to afford.
• Employees, Temporary Staff, and Independent Contractors: You may be liable for the actions that anyone associated with your business takes—whether or not they're an employee. This part of the policy protects you if they make a mistake.
• Negligence: Often considered one of the most important parts of E&O coverage, negligence coverage can reimburse you for problems like making a mistake while giving advice or failing to complete a job. Whatever the cause of the problem, ensuring you're covered will help protect your business if something goes wrong.

Errors and omissions policies payouts vary among companies depending on the possible severity of financial mishaps. If you're not sure how much of a cap your business should have in each category, call one of Middle TN Insurance Group, Inc agents today and ask them for more information. You may need to increase your policy cap as your business grows, and we can help you decide when it's time to raise the limit.

1. Oxford Reference, s.v. “errors and omissions,” www.oxfordreference.com/view/10.1093/oi/authority.20110803095756997?rskey=tDNztO&result=1
2. "Claims Trends." Insurance Journal News. November 03, 2014. Accessed April 18, 2016. http://www.insurancejournal.com/magazines/features/2014/11/03/345153.htm

Off-Site Protection for Your Valued Assets

Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it is important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

At Middle TN Insurance Group, Inc, we are dedicated to providing the coverage your business needs for the asset protection it deserves. Our Inland Marine policy insures that when your business is on the move, we will protect certain items, such as:

• Transported Property
• Computer Equipment and Data
• Contractor’s Tools
• Artwork
• Buildings Under Construction

What Inland Marine Can Do for Your Business

No matter what business you are in, an accident can happen at any time. That is why it is important to have an Inland Marine policy from Middle TN Insurance Group, Inc to provide your business with the appropriate coverage it needs during transit.

Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’ goods or equipment when transported by ocean and air, also known as Ocean Marine.

Contact an Inland Marine specialist at Middle TN Insurance Group, Inc today to find out how your business can insure its most valuable assets while working or traveling off-site.

Protection for Your Office

If your office space and the property therein is damaged, office insurance can provide reimbursement for those costs and allow you to continue operating.

As a business owner, you want to protect all the hard work you've put into creating a functioning company. A business isn't just the products you put on the shelves — it's your intellectual property, your office space, and your computers and valuable equipment. Problems with any of these elements could result in losses, and that's why having office insurance is so important.

Office Insurance Package Features

Most office insurance plans include the following. Middle TN Insurance Group, Inc agents can help you determine which coverages apply to you and your business, therefore helping you create a policy that perfectly fits your office insurance needs.

• Commercial Real Estate Insurance: This policy covers your property and income, including the cost of repairs, replacements, and any interruptions of your business.
• Equipment Insurance: If your company uses equipment (computers, manufacturing machines, etc.), a breakdown could quickly grind your business to a halt. This policy offers reimbursement for your expenses, allowing you to get your equipment repaired without worrying about the cost.
• Cyber Liability Insurance: Technology is about more than having a few computers in the office—it’s about software, data (including customer information), and even the external services your company might rely on. Cyber liability insurance can reimburse you for mistakes and losses, like a data breach, that occur as a result of using technology.

Different companies have different insurance needs, so don't hesitate to talk to one of our agents and ask if there's anything else that should be added to your office insurance policy. Be sure to let us know about anything particularly innovative that you're doing with your building since that might not be covered by a standard policy. We want you to be able to move forward with the confidence that comes from knowing your office is protected.

Mistakes Happen

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At Middle TN Insurance Group, Inc, we understand that mistakes happen. That is why we are committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it is important for your business to have general liability coverage for property damage and bodily injury, Middle TN Insurance Group, Inc recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) - Having financial protection for your business’ Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a representative with Middle TN Insurance Group, Inc today to prevent mistakes and errors from becoming major losses for your business.

Coverage for Your Small Business

Small businesses need many types of coverage in order to adequately secure itself against losses in the event of certain common business casualties. Common elements of small business insurance include:

• General Liability Insurance: This policy covers a business against claims arising from problems like libel, slander, medical expenses, property damage, medical expenses, and the cost of defending against a lawsuit.
• Product Liability Insurance: If you deal with a product - whether it's manufacturing, retailing, wholesaling, or just distributing it - you may be responsible for keeping it (and people in the area around it) safe. The amount required depends mainly on the products involved - the larger and/or heavier the products are, the more coverage is needed.
• Professional Liability Insurance: Similarly, if you provide any kind of professional service, you may need coverage for errors, malpractice, and negligence. Some companies are required to have this type of coverage (especially, though not exclusively, those in the medical field).
• Commercial Property Insurance: If your small business owns any kind of physical property (an office, a retail store, a warehouse, etc.), this coverage insures it against a wide variety of natural and man-made forms of damage. If your business is particularly vulnerable to a certain type of damage (flooding, vandalism, etc.), you may need additional coverage for that specific problem.
• Home-Based Insurance: If you're running a business from your home, then your homeowner's insurance probably doesn't cover any of your business operations. You may need to purchase additional coverage separately, or as an extension of your existing plan. Speak to a Middle TN Insurance Group, Inc agents to find out.

Many other industry-specific forms of coverage are available. For more information about what policies are the most important for your business, talk to one of our agents and ask for a full risk assessment. You can research forms of insurance through reputable sources—this information is available for free online, courtesy of groups like the National Association of Insurance Commissioners.

Insurance Requirements for Small Business

All small businesses are required to have Workers' Compensation, Unemployment Insurance, and sometimes Disability Insurance. Other requirements for small business insurance vary by industry, as well as local, state, and federal law.

What Constitutes a Small Business?

The exact definition of a small business varies by industry, but according to the Small Business Administration, it's usually 500 employees or less for mining or manufacturing, and $7.5 million or less in revenue for other industries. Note that there are many exceptions to this rule, and they are listed in detail on the Small Business Administration's website.

1. "Insurance Requirements for Employers." The U.S. Small Business Administration | SBA.gov. Accessed April 14, 2016. https://www.sba.gov/managing-business/running-business/insurance/insurance-requirements-employers
2. "Summary of Size Standards by Industry Sector" The U.S. Small Business Administration | SBA.gov. Accessed April 14, 2016. https://www.sba.gov/contracting/getting-started-contractor/make-sure-you-meet-sba-size-standards/summary-size-standards-industry-sector

Federal income tax laws are complex and subject to change. Neither Nationwide nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.

Protection for Your Small Business

Small businesses face many of the same risks as larger companies, but don't have the same resources to fall back on if something goes wrong — that's where small business insurance comes in. This policy can reimburse you for certain forms of loss, giving you the time and support you need to get back on your feet and resume your normal operations. This coverage is so important that over 90% of small business see it as a worthwhile investment even when they don't have a lot of cash to spare.

When you're choosing a policy, Middle TN Insurance Group, Inc agents can ensure that the policy's limit is high enough to cover your risks. The fact that your business is small doesn't shield you from costly claims, so it's important to obtain the best coverage you can as soon as your company's growth permits. In particular, be sure to increase your policy's limits as your company's revenue grows.

Small Business Coverage

As explained by the Small Business Administration, there are three types of liability coverage that small businesses commonly need:

• General Liability Insurance covers issues with negligence, injuries, and accidents. Its main emphasis is on helping with the costs of legal defense, as well as providing coverage if you lose your case.
• Product Liability Insurance is for companies that deal with physical products of some kind. The main focus of this coverage is reimbursing you for claims that arise from injuries caused by a defective product. If you deal exclusively in digital products and services, this policy will not cover those—ask one of our agents about your options.
• Professional Liability Insurance focuses on errors and negligence that may occur during the course of providing products or services to your customers. If any of the advice you give them is wrong, they may sue for damages, and this policy will help to reimburse you.

Most companies can get by with these three types of small business liability insurance. However, you may need additional coverage if your operations are high-risk enough that a standard policy won't cover them. If you're not sure whether or not your policy covers your operations, our agents would be happy to discuss the issue and make any changes that may be necessary.

Making Sure Your Business Can Get Coverage

Most small businesses can obtain liability insurance without trouble. The only common exceptions to this are companies that operate in industries that are particularly high-risk — for example, companies producing acids for industrial use may find it harder to get coverage. If you're worried that some aspect of your business will increase your premiums or make it more difficult to obtain coverage in the first place, call Middle TN Insurance Group, Inc today and ask for guidance. You may find that there is no problem getting insurance at all—and if there is, we may be able to help you reduce your risks and bring premiums into an affordable range.

1. "Business & Employee Insurance Issues Among U.S. Small Businesses." National Association of Insurance Commissioners. Accessed April 21, 2016. http://www.naic.org/documents/newsroom_small_business_summary.pdf
2. "Finding Coverage That Matches Your Business Size." III. Accessed April 21, 2016. https://www.iii.org/article/finding-coverage-that-matches-your-business-size  
3. "Types of Business Insurance." The U.S. Small Business Administration | SBA.gov. Accessed April 21, 2016. https://www.sba.gov/managing-business/running-business/insurance/types-business-insurance

Keep Your Employees Protected

Middle TN Insurance Group, Inc understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they are properly protected.

But should an accident happen, having the right Workers' Compensation plan from Middle TN Insurance Group, Inc can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:

• An injured employee’s medical expenses/treatment
• The replacement of lost wages from injury time off

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That is why it is important to discuss your options with a specialist at Middle TN Insurance Group, Inc who can help you find the right coverage options for all your business needs.

Protection and Assurance for Your Employees

Middle TN Insurance Group, Inc provides insurance coverage for employees to businesses in Murfreesboro, Smyrna, Mount Juliet, Nashville, Franklin, Spring Hill, and the surrounding areas.

Your business is a multifaceted machine that requires protection at every level. The people who make your business go deserve the assurance that they are covered at all costs. At Middle TN Insurance Group, Inc, we understand that quality coverage options for your employees will ensure that your business attracts and maintains the best workers.

At Middle TN Insurance Group, Inc, we work hard to provide the best protection plans for businesses and their employees. Our coverage options for employees include:

• Disability Insurance
• Employer-Sponsored Retirement
• Group Disability Insurance
• Group Benefits
• Individual Life Insurance
• Retiree Health Coverage
• Voluntary Benefits and more

Protect Your Investment

Middle TN Insurance Group, Inc provides insurance to businesses in Murfreesboro, Smyrna, Mount Juliet, Nashville, Franklin, Spring Hill, and surrounding areas.

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Middle TN Insurance Group, Inc would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At Middle TN Insurance Group, Inc, we’re committed to keeping your business protected — so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

We offer the following options for your business assets: 

• Commercial property insurance
• Commercial general liability
• Business owners policy (BOP)
• Inland marine insurance
• Commercial auto insurance
• Commercial umbrella insurance
• Professional liability
• Workers' compensation
• Crime insurance and much more

Specialized Protection for Your Industry

Middle TN Insurance Group, Inc provides industry-specific insurance to businesses in Murfreesboro, Smyrna, Mount Juliet, Nashville, Franklin, Spring Hill, and the surrounding areas.

Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. At Middle TN Insurance Group, Inc, we understand that being unique is what makes your business successful across the board. That is why we provide industry-specific insurance options for businesses of all types.

Check out the multitude of industries we cover at Middle TN Insurance Group, Inc:

• Accounting firms
• Alarm contractors
• Arborists
• Construction
• Contractors/specialty trade
• Craft breweries
• Educational facilities
• Financial institutions
• Healthcare facilities
• Healthcare practices
• Law firms
• Life science
• Limousine services
• Livestock
• Maintenance contractors
• Manufacturing 
• Marine
• Maritime employers
• Media and advertising
• Orthotics and prosthetics
• Pools and spas
• Printers and publishers
• Railroad contractors and manufacturers
• Real estate
• Retail
• School bus contractors
• Scrap metal
• Security guards
• Self-storage facilities
• Septic contractors
• Technology services
• Tow trucks and auto transporters
• Water well drillers