Contractor Insurance
in Tennessee
Built for Builders in the Volunteer State
Whether you’re framing cabins in Gatlinburg, wiring homes in Nashville, or renovating kitchens in Knoxville—contractors across Tennessee rely on ACI for fast, affordable insurance that meets state requirements and protects what matters. We help you stay covered, compliant, and ready for every project.
Why Tennessee Contractors Choose ACI
Local Expertise
We understand Tennessee’s contractor licensing laws and insurance rules, including state board requirements.
Same-Day Certificates
Get proof of coverage fast so you can pull permits and start jobs on time.
Flexible Payment Plans
Start your policy with just 20% down and spread payments over time.
Bundled Savings
Combine policies to save up to 25% on your monthly premium.
Insurance Coverage We Offer in Tennessee
We provide all the essential policies required for licensed and unlicensed contractors operating across Tennessee.
- General Liability Insurance
Protects your business from third-party injuries, property damage, and legal claims. Often required by the Tennessee Board for Licensing Contractors and local permitting offices.
- Workers’ Compensation Insurance
Required for contractors with five or more employees. Covers on-the-job injuries, medical costs, and lost wages while protecting your business from legal exposure.
- Commercial Auto Insurance
Covers business-use trucks, vans, or trailers. Tennessee typically requires commercial auto for vehicles used to transport tools, materials, or crew members.
- Tools & Equipment Insurance
Covers your equipment from theft, fire, and accidental damage—on-site, in storage, or in transit. Ideal for mobile contractors and crews on the go.
- Builder’s Risk Insurance
Covers buildings under construction from risks like fire, theft, and storms. Especially important for Tennessee contractors working through unpredictable seasonal weather.
- Professional Liability Insurance
Covers claims related to design errors, project delays, or failure to meet contract specs. A must-have for contractors offering planning, design, or consulting services.
Who We Cover in Tennessee
ACI insures a wide range of Tennessee trades, including:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
If you work with tools or run a crew—we likely cover your trade. Request a quote to get started.
How Much Does Contractor Insurance Cost in Tennessee?
Your monthly rate depends on factors like your trade, business size, and project risk. Whether you’re pouring concrete in Memphis or finishing interiors in Chattanooga, we’ll tailor a plan to fit your needs.
Cost Factors
- Type of Work
High-risk trades like roofing and structural work tend to cost more than lower-risk specialties.
- Business Size
More workers or higher payroll means more coverage and higher premiums.
- Coverage Limits
Greater protection can mean slightly higher costs.
- Claims History
Clean records usually unlock better rates.
- Location & Risk
Weather risk, urban work zones, and jobsite hazards all influence pricing.
Get your personalized quote today—no guesswork, just straight answers.
Tennessee Contractor Insurance Requirements
Depending on your license classification, job size, and team structure, you may need the following insurance to stay compliant:
General Liability Insurance
Often required for contractor licensing in Tennessee, especially when working on residential or commercial jobs exceeding $25,000.
Workers’ Compensation Insurance
Mandatory if you have five or more employees, including part-time workers or subcontractors.
Commercial Auto Insurance
Required for vehicles used for work-related transport, material hauling, or site visits.
Requirements may vary by trade, county, and project type—ACI can guide you through the latest state requirements.
Get a Free Contractor Insurance Quote
in Tennessee
Whether you’re building decks in Franklin or managing a remodel in Johnson City, ACI helps you get covered fast—with policies tailored to your trade, your crew, and your growth.