Construction Site Insurance Essentials for Tennessee Contractors

Insurance can help keep a contracting business stable when unexpected events occur. For Tennessee contractors, a core set of policies forms the foundation of a reliable insurance program.

General Liability Insurance

General liability insurance can help cover third-party bodily injury, property damage and completed operations. These are the types of claims that can arise from everyday job site activity. Project owners and general contractors often require proof of general liability before work begins, and many will not issue a contract without it.

Workers’ Compensation

Tennessee requires workers’ compensation for most employers with five or more employees, but construction is treated differently. In this industry, coverage is required when you have one or more employees. Workers’ compensation pays for medical expenses and lost wages when an employee is injured on the job. Construction consistently ranks among the highest injury industries, which makes this coverage essential.

Builders’ Risk Insurance

Builders’ risk insurance covers buildings and structures while they are under construction. It typically includes damage from fire, severe weather, theft and vandalism. These risks are common on Tennessee job sites, especially during long build cycles or in areas prone to storms. Builders’ risk is important for general contractors, subcontractors with insurable interests and property owners.

Commercial Auto and Inland Marine

Contractors rely heavily on vehicles and equipment. Standard personal auto or homeowners policies do not cover business use or job site property. Commercial auto insurance covers vehicles used to transport workers, tools and materials between job sites. Inland marine insurance covers tools, equipment and materials in transit or stored on site, including items that move from project to project.

Learn More

General liability, workers’ compensation, builders risk, commercial auto and inland marine form the essential insurance foundation for Tennessee contractors. Every project is different, and every contracting business has unique exposures. Working with an experienced agent helps ensure your coverage matches your operations and contract requirements.

Contact Wilkinson Insurance Agency today to learn more about your construction site insurance options and get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.