Business and Commercial Insurance Franklin, Tennessee
Shellnut Insurance & Associates Insurance for Your Business
Shellnut Insurance & Associates Insurance for Your Business
Owning a business in Franklin, TN is an exciting venture, but it also comes with inherent risks. Unexpected events, from storm damage to a customer slipping and falling, can threaten your financial stability. That’s where commercial insurance comes in.
Commercial insurance is designed to protect your business from financial losses arising from various situations–known in the insurance world as covered events. It acts as a shield, covering costs associated with incidents like:
- Property damage caused by fire, theft, or weather events.
- Lawsuits from customers or vendors alleging injuries or damages.
- Employee illnesses or injuries sustained on the job.
Without proper commercial insurance, a single incident could force you to close your doors. That’s why having commercial insurance coverage in place is crucial for businesses of all sizes in Franklin, TN.
Commercial General Liability
You can be held responsible if someone slips, falls or injures themselves at your place of business. Get insurance coverage for medical bills, legal fees, and more expenses from liability claims.
Commercial Property Insurance
Don’t be caught unprepared. When challenges or unanticipated changes come, life insurance is there to ensure your family will be covered.
Commercial Automotive Insurance
If you own and operate vehicles as part of your business, you’ll need a separate policy to cover automobile accidents, damage, and liability.
Insurance Bonds
Insurance policies can be specific to your business needs. We write bonds for notaries, contractors, estates, public officials, and more.
Commercial Umbrella/Excess Liability
All your commercial insurance policies will have coverage limits. If the nature of your business requires higher coverage amounts, consider a commercial umbrella liability policy.
Business Owners Policy (BOP)
Bundle your commercial property and general liability insurances into a business owners policy to save money on your insurance payments.
Crime Insurance
Many liability insurance policies exclude criminal acts such as fraud. Adding crime insurance to your existing policies ensures that your business is covered in the event of fraud, theft, and employee dishonesty.
Cyber Liability
A data breach of private company or customer information and the resulting fallout can bankrupt your business unless you have cyber liability insurance to help carry the financial burden.
Employment Practices Liability
Protect your business from expensive lawsuits related to wrongful termination, failure to promote, sexual harassment, discrimination, and more with employment practices liability coverage.
Earthquake Insurance
Depending on the location of your business, you may be at risk for damages from an earthquake. Earthquake insurance fills any gaps in your property insurance coverage in the event of disaster.
Inland Marine and Equipment Breakdown Coverage
Equipment can be essential to your business and expensive to replace. Inland marine insurance covers your equipment or merchandise in transport, and equipment breakdown offers possible reimbursement for repairs or replacement.
Builder’s Risk Insurance
General contractors put in time and money to complete each new project. Get coverage for property damage and theft of equipment from your work site with builder’s risk insurance.
Professional Errors and Omissions Insurance
Professional errors and omissions insurance protects professionals like doctors, accountants, fitness instructors, and more from claims of negligence, misrepresentation, or bad advice.
Pollution Insurance
Pollution insurance covers costs associated with pollution incidents like cleanup fees, legal fees, and investigation fees. These types of incidents are usually excluded from other liability policies.
Workers’ Compensation Insurance
Most states require businesses with employees to provide workers’ compensation insurance. This coverage pays medical bills and legal fees associated with workplace injuries and illnesses.
Commercial Insurance for Auto Dealers and Repair Shops
Protect your dealership or repair shop with specialized insurance bundles for your industry. These policies address the unique liability risks faced by your business.
Church Insurance
Church insurance policies are specifically tailored to meet the needs of religious organizations. This includes general liability, property insurance, and pastoral professional liability coverage.
Contractors Liability Insurance
Secure more contracts and customers by insuring your business. We offer industry-specific policies to best protect your construction business.
Directors and Officers Liability
Your board of directors and company leadership may face legal action for their business decisions. Protect their assets and get reimbursed for legal defense costs with directors and officers liability insurance.
Hotel and Motel Insurance
Hospitality businesses face different risks than traditional storefronts or other businesses. Hotel and motel insurance tailors property insurance and other coverage to meet the needs of your industry.
Jewelers’ Block Insurance
Equipment can be essential to your business and expensive to replace. Inland marine insurance covers your equipment or merchandise in transport, and equipment breakdown offers possible reimbursement for repairs or replacement.
Liquor Liability
General contractors put in time and money to complete each new project. Get coverage for property damage and theft of equipment from your work site with builder’s risk insurance.
Manufacturers Insurance
Manufacturers often require multiple insurance policies to cover equipment breakdown and liability risk of specialty machinery. Our manufacturer’s insurance bundles all your necessary coverage at an affordable rate.
Nonprofit Organization Insurance
Property damages and liability lawsuits could destroy your budget and take away the focus on your mission. Nonprofit insurance includes coverages like general liability, commercial property, directors and officers insurance, and more.
Office Insurance
Whether you own or lease your office space, you will need insurance to protect your business location and equipment. Our office insurance covers your basic insurance needs so you can get back to business.
Restaurant Insurance
Restaurant insurance for your business includes business owners policy coverage and other policies specific to the restaurant industry like liquor liability or food liability coverage.
Self-Storage Business Insurance
Insurance policies customized to fit the needs of the self-storage industry include sales and disposal liability, customer goods liability, and commercial umbrella coverage.
Commercial Trucking Insurance
If you are driving a semi-truck or tractor-trailer, you’ll need specific insurance to cover cargo damage and accident liability.
Commercial Farm Insurance
Insurance for your farm and equipment so that you can continue your business even after unexpected events.
The Benefits of Local Insurance:
Why Choose Shellnut Insurance & Associates in Franklin, TN?
At Shellnut Insurance & Associates, we understand that navigating the complexities of commercial insurance can be overwhelming. That’s why we believe in the power of local insurance agencies like ours to ensure your business in Franklin, TN has the protection you’re looking for.
Understanding Your Needs is Our Priority
When our team sells insurance, we want to hear about your unique business operations and potential risks. Through a consultation, we assess your specific needs and suggest insurance solutions that provide optimal coverage.
Unbiased Recommendations & More Options
As an independent agency, we’re not solely associated with any single carrier. This allows us to offer unbiased recommendations based on your stated needs. We have access to a wider range of insurance providers than a captive agency, ensuring you get coverage that fits at rates you can afford.
Save Time & Money with Your Agent’s Help
Our understanding of the local market and industry trends allows us to quickly identify the most suitable insurance solutions for your business. We handle the quote gathering process, saving you valuable time and effort. Additionally, our knowledge of the insurance landscape can help you potentially lower your overall costs by securing discounts and optimizing your coverage plan.
Personalized Service: Building Relationships, Not Just Policies
We believe in building strong, long-term relationships with our clients. Unlike impersonal online platforms, you have the opportunity to benefit from face-to-face communication with an experienced agent who is available to answer your questions and address your concerns.
Do you have a question about insurance for your business?
Our agents are ready to answer any of your questions.