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Tennessee Business Owners Insurance

Find protection with a business owners policy

Protection and peace of mind go hand in hand with a business owners policy (BOP) from Farm Bureau Insurance. Our tailored policies are designed to safeguard your business against unforeseen risks, ensuring continuity and security for your hard-earned success. Discover how our comprehensive coverage can support your entrepreneurial journey and protect what matters most to you.

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Business owners insurance coverage

Business Property Insurance

Liability Coverage

Business Interruption

Additional business owners coverage

Third-Party Bodily Injury

Product Liability

Common business types with business owners policies in Tennessee

Retail Shops

Churches

Restaurants

Barber Shops and Beauty Salons

Strip Malls

Office Condos

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Download your proof of insurance, pay bills, file a claim, and manage your policies in one place with My Account.

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Here for you whenever, wherever you go
Download your proof of insurance, pay bills, file a claim, and manage your policies in one place with My Account.
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From our Blog

When you're ready, protect what matters most

Common questions about business owner policy insurance

The main difference between a business owner policy (BOP) and a commercial package policy (CPP) lies in their target businesses and coverage flexibility. A BOP is a pre-packaged insurance solution ideally suited for small to medium-sized businesses with straightforward insurance needs, combining general liability and property coverage. It's perfect for businesses like retail shops, small offices, or restaurants.

On the other hand, a CPP is designed for larger or more complex businesses requiring a higher degree of customization in their insurance coverage. It accommodates a broader range of risks and is customizable to include various coverages, making it suitable for larger-scale manufacturers, contractors, or businesses with unique insurance needs. While BOP offers ease and convenience for standard risk profiles, CPP provides tailored coverage for more complex and extensive insurance requirements.

A business owner policy is most beneficial for small to medium-sized businesses, particularly those that have a physical presence such as retail stores, restaurants, and service-oriented businesses. Businesses that have significant property assets, require liability protection, and face risks like business interruption can find a BOP especially advantageous. It's a comprehensive solution for businesses seeking a balance of coverage, cost, and convenience.

General liability insurance is a component of a BOP but on its own, it only covers third-party liability claims for bodily injury, property damage, and advertising injury. A BOP, on the other hand, is a more comprehensive package that typically includes general liability insurance, property insurance, and business interruption insurance. This bundled coverage provides broader protection for a business, covering more than just liability risks.

Yes, you can add additional coverages to your BOP to suit your specific business needs. Common additions include professional liability, employment practices liability, and specific property coverages for unique or valuable assets. These additional coverages can be tailored to address the unique risks associated with your particular business industry or operations.

Yes, a BOP can be suitable for some home-based businesses. It depends on the nature of your business operations and the extent of coverage required. Your local Farm Bureau Insurance agent can assist in evaluating your specific situation.

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Tennessee's Insurance Company since 1948.

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Tennessee Farmers Insurance Companies

P.O. Box 307

Columbia, TN 38402-0307