This type business insurance program combines both property and liability coverage in one insurance policy. 

A Business Owners' Policy is designed for small and medium-sized businesses.  There are usually additional types of coverage included at no additional premium.  Your professional Tennessee business insurance agent is the best person to advise you in this area.

Keep in mind, the type of insurance coverage will depend on the company, the type business you own in Tennessee, and whether your business insurance policy provides for Actual Cash Value or Replacement Cost loss settlement.

Generally, the following items will be covered, if they are damaged or destroyed by a covered loss:

TN Business Property

• Building
• Business Furniture & Fixtures
• Computer Equipment
• Phone System
• Business Records
• Money (prior to bank deposit)
• Personal items at the business
• Inventory
• Equipment rented or leased for business use

TN Business Liability

• Bodily Injury
• Personal Injury
• Advertising Injury

Optional Coverage May Be Available in TN

• Mechanical Equipment Breakdown (Heat, A/C, etc.)
• Burglary & Robbery
• Employee Dishonesty
• Business Signs