Liability Insurance For Your Tennessee Business

Insurance is designed to cover the unexpected and the unpredictable, and when it comes to business, it’s especially imperative to safeguard yourself, your employees, and your company against the unknown. That’s because no matter how careful you’ve been and how much you’ve prepared, accidents happen. Companies are especially vulnerable because they have so many moving parts and so many people providing opinions, making recommendations, and offering services—all things that put you at risk of a liability lawsuit. For that reason, liability insurance is a necessity for any business. Liability coverage will be able to protect you, no matter who is at fault.

Need liability insurance? Elite Business Solutions can customize a liability policy to fit your Tennessee business. We’ll not only make sure you’re protected in the event of an accident or emergency — we’ll also make you aware of some simple things you can do to prevent some of the most common loss events.

Types Of Business Liability Coverage

We most commonly provide our clients with general liability and professional liability insurance as detailed below, but we also offer coverage for products and completed operations, fire liability, medical payments, premises liability, employer’s liability, employee benefits liability, and employment-related practices liability.

General Liability: This is coverage that every business needs to carry. A general liability policy will cover accident claims made by employees and customers, whether or not your company is to blame. This coverage can help cover expenses related to:

  • Bodily injury
  • Property damage
  • Personal injury
  • Advertising injury
  • Attorney fees
  • Damages

There is no one-size-fits-all liability policy. An Elite Insurance Solutions professional will help you determine what insurance you need to cover every stage of your business.

Professional Liability: If and when a professional fails on the job, they may be held liable for harm done to an individual or another company. This coverage is designed to protect employees who are expected to professionally and accurately perform their services according to their profession’s standards of conduct. Professional liability insurance is crucial for certain professionals—for instance, health care professionals, pharmacists, architects, funeral directors, and veterinarians. Professional liability can protect you from lengthy and costly lawsuits, which can place incredible financial strain on a company, often leading to bankruptcy even when claims are deemed unwarranted. Professional liability can help cover expenses related to:

  • Medical costs
  • Attorney and judgment fees
  • Court costs
  • Damages

The agents at Elite Insurance Solutions are careful to customize professional liability insurance policies, writing them based on your revenues, the type of services you provide, your loss history, and number of employees. Let us help you with the coverage you need.

We offer the whole gamut of liability coverage, including auto, workers compensation, errors & omissions insurance, directors & officers insurance, kidnap & ransom insurance, marine insurance, and foreign liability. For more information, visit our Locations & Contact page and find the Tennessee location and agent nearest you.

 

Wouldn’t you feel better knowing you have the commercial auto insurance your business needs? Elite can provide this important business coverage to help you protect your assets.

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Testimonials

Our company has been insured with Elite Insurance Solutions since 2010, and have been solicited by other insurance agencies each year, but I have stayed with Elite for the following reasons:

-Quick response time- when I call my agent, Barhyt Henry, he always responds quickly and efficiently.
-Care- in 2011 when the huge hail storm came through our area, Barhyt called ME to see if I had any damage to equipment and to check on me. He has also been a huge advocate for our company during a recent workers comp claim, and been a wonderful mediator between us and the company.
-Maintenance- each renewal, my agent shops my insurance needs with his other companies to find me the best price and provides sound advice when needed.

Barhyt and Elite make my insurance needs their priority, and I appreciate all they do for me and my company.

~ Gretchen Wilkerson