Best General Liability Insurance in Tennessee (2025)

MoneyGeek analyzed various insurance providers in Tennessee based on their policy costs, financial stability, customer satisfaction and time taken to provide an online quote.

Our analysis shows Thimble offers the best general liability insurance in Tennessee, with an average monthly cost of $53 for limited liability companies (LLCs) with 20 employees and $22 for sole proprietors without employees.

Next is the most affordable company for general liability insurance in Tennessee, with an average monthly cost of $25 for LLCs and sole proprietors.

MoneyGeek found that Thimble is the best general liability insurance provider in Tennessee, scoring 89 out of 100. You can look at the table below for the costs and overall scores of all insurers we analyzed in the state.

Next is the most affordable company for general liability insurance in Tennessee, charging an average of $25 per month for LLCs and sole proprietors.

We found the winner for this category using an affordability score based on the monthly insurance costs for LLCs and sole proprietors, each weighted at 50%. The overall cheapest insurer may not be the cheapest for LLCs and sole proprietors.

Nationwide offers the best general liability insurance for employers in Tennessee, with a MoneyGeek score of 93 out of 100. It charges $38 per month for a policy.

We ranked this insurer based on the average monthly cost for LLCs with 20 employees. The number of employees significantly affects the policy cost. Businesses with fewer than 20 employees will generally pay a lower cost, while those with more than 20 employees will have to pay a higher rate.

MoneyGeek found that biBERK is the best insurance company for sole proprietors, as it has a score of 96 out of 100. The average policy cost with this company is $23 per month.

After analyzing many insurers, we ranked this insurer as the best option based on the average cost for sole proprietors with no employees. Sole proprietors in risker industries like construction might pay higher premiums.

Unlike workers' compensation and commercial auto insurance, Tennessee law does require business owners to purchase general liability insurance.

As a business owner, you should still consider purchasing it because it will protect you against bodily injury, property damage and personal injury claims. A general liability policy will pay for administrative costs, court fees, settlement expenses and medical bills of injured people.

You might also need this type of business insurance to win contracts in various industries and obtain business licenses.

According to state law, businesses must carry workers' compensation if they have five or more employees. However, you must have it with even one employee if you have a construction or coal mining business.

Commercial vehicles in Tennessee must have an insurance policy with at least the following limits:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $15,000 for property damage liability per accident

On average, general liability insurance in Tennessee costs $48 monthly for LLCs with 20 employees and $27 monthly for sole proprietors. We gathered these rates for a policy with a $2 million aggregate limit, $1 million occurrence limit and $0 deductible.

The aggregate limit is the maximum amount the insurer will compensate you for, while the occurrence limit refers to the maximum amount the insurer will pay for each claim. A deductible is the amount the business owner must pay before the coverage becomes active.

Each business will pay a different cost for a general liability policy based on the industry and other factors. We explain these factors below.

We answered the following frequently asked questions to help you understand how general liability insurance works in Tennessee and the available options.