931-752-NSUR (6787) Fax: 931-752-6788

Jamestown 500 N Main St. 931-752-6787 | Wartburg 705 Main Street 423-346-5135

Crossville 807 N Main Street 931-707-1921 |Cookeville 1080 Interstate Drive 931-528-6787

Homestead 1760 S. Main Street 931-459-6787 | Fairfield Glade 4929 Peavine Road 931-484-1500

Protecting the businesses of the Upper Cumberland with General Liability Insurance

General liability insurance, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. The Rains Agency recommends that all businesses have general liability insurance coverage in place.

Tennessee – What you need to know about commercial liability insurance

Take a look at the list below for additional general liability coverages that are often available.

  • Professional Liability Insurance (Errors & Omissions) – Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. The Rains Agency recommends that all professional and technology companies have E&O coverage.
  • Employment Practices Liability Insurance (EPLI) – Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, The Rains Agency recommends considering this type of coverage.
  • Directors and Officers Insurance (D&O) – D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other products and services, call The Rains Agency at 931-752-6787 and we’ll help make sure you’re properly covered.

Get a Quote

Request a quote now and get a response within 48 hours.

Find Answers to Your Insurance Questions

Visit our insurance FAQs for tips and information to help you decide what insurance is right for you.
Get a Quote!