Business Insurance
Our business is handling your business.
At Hutsenpiller Insurance, we understand that running a business is more than just a job—it’s your livelihood. You don’t have time to navigate complicated policies, worry about coverage gaps, or chase down answers when you need them most. That’s where we come in.
As your dedicated insurance advocate, we take the stress out of protecting what you’ve built. We work with top-rated carriers to find coverage that fits your unique risks, industry, and budget—so you can focus on growing your business with confidence.
Let us handle the details while you handle success. Contact us today for a no-obligation review, and see how having the right insurance partner makes all the difference.
What types of business insurance do I need?
The right coverage depends on your business type, but common policies include:
General Liability – Protects against lawsuits for injuries or property damage.
Commercial Property – Covers your building, equipment, and inventory.
Business Interruption – Reimburses lost income if your business is forced to close temporarily.
Workers' Compensation – Required if you have employees, covering workplace injuries.
Cyber Liability – Protects against data breaches and cyberattacks.
Do I need business insurance if I work from home?
Yes! A home-based business policy covers risks not included in homeowners insurance, such as business property loss or liability for client injuries at your home.
How does business interruption insurance work?
If a covered event (fire, storm, etc.) forces your business to close, this coverage helps replace lost income and covers rent, payroll, and other expenses until you reopen.
Do I need workers' compensation if I only have one employee?
Yes, most states require it, even for a single employee. It covers medical costs and lost wages if an employee gets injured on the job.
What if my employees use their own cars for work?
Personal auto insurance won’t cover accidents if an employee is driving for business purposes. A hired and non-owned auto insurance (HNOA) policy can protect your business from liability.
Since 1992, we have been insuring small & mid sized businesses all across Tennessee.
Why choose Hutsenpiller Insurance?
Independent and Local: As an independent insurance agency, we work for you, not the insurance companies. This allows us to offer a wide range of options from multiple top-rated insurers, ensuring you get the best coverage at the most competitive rates.
Personalized Service: Our team takes the time to understand your specific situation and tailor insurance plans that fit your lifestyle and budget.
Experienced Agents: With years of experience in the industry, our knowledgeable agents are here to guide you through the insurance process, making it simple and hassle-free.
Community-Focused: We are proud to serve the residents of Tennessee, and our commitment to the local community sets us apart.
Business Insurance Coverage
We offer the following options;
- General Liability Insurance – Covers lawsuits for injuries, property damage, and personal injury claims.
- Commercial Property Insurance – Protects buildings, equipment, and inventory from fire, theft, and damage.
- Business Interruption Insurance – Replaces lost income and covers expenses if your business temporarily shuts down.
- Workers’ Compensation Insurance – Pays for medical bills and lost wages if an employee is injured at work.
- Professional Liability Insurance – Covers claims of negligence, errors, or poor service (also called E&O Insurance).
- Cyber Liability Insurance – Protects against financial losses from cyberattacks or data breaches.
- Commercial Auto Insurance – Covers business-owned vehicles in case of accidents, damage, or liability.
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Umbrella Insurance – Provides extra liability coverage beyond standard policy limits