Business Insurance
Smart Coverage That Works as Hard as You Do
Protection Built for Local Business Owners. Owning a business is more than just a job—it’s your livelihood, your legacy, and often your life’s work. At Farmers Mutual Insurance of Giles County, we help local business owners protect what they’ve built with custom insurance plans that are clear, affordable, and reliable.
Whether you run a small shop in town, manage a service company, or operate a farm-based business, we’re here to make sure you have coverage that keeps your operation protected—without overcomplicating it.
No two businesses are the same, which is why we help you build coverage around the risks that matter most to you.
Coverage That Works Behind the Scenes of Your Business
What Does Business Insurance Cover?
General Liability Insurance
Covers accidents, property damage, or injuries that happen on your premises or as a result of your services.
Commercial Auto Insurance
Insures company-owned vehicles used for business purposes—whether it’s a work truck, delivery van, or service vehicle.
Commercial Liability Coverage
Protects against lawsuits and legal expenses if a customer, vendor, or third party makes a claim against your business.
Inland Marine Insurance
Provides coverage for tools, equipment, and materials in transit or stored off-site. Ideal for contractors, farmers, and mobile service businesses.
Workers’ Compensation
Required in most cases if you have employees. Covers medical expenses and lost wages if an employee is injured on the job.
Frequently Asked Questions
Do I need business insurance if I’m self-employed?
Yes. Even small or home-based businesses can face liability risks. Business insurance helps protect your income and reputation in case something goes wrong.
What if I have no employees—just myself?
We offer flexible coverage options that are great for sole proprietors, consultants, or small startups. You’ll only pay for what you need.
Is business insurance required by law?
Some coverage, like workers’ compensation or commercial auto, may be legally required depending on your business structure and employee count. We’ll help you understand your obligations.
What does general liability actually cover?
It covers things like: A customer slipping and falling on your property, Accidental property damage and Legal defense costs. It’s one of the most common and important types of coverage for any business.
Let’s Talk About Your Business Coverage
Whether you’re just getting started or reviewing your current policy, we’re here to help you get the protection your business needs—with service that feels personal, not corporate.
Visit Visit Our Office
📍 1029 West College Street, Pulaski, TN
Call Us Today: (931) 363-1322