COMMERCIAL INSURANCE
COMMERCIAL INSURANCE
Protect Your Business with Purposeful Coverage
At Archer Insurance Agency, we go beyond basic coverage. As an independent agency, we compare policies from multiple carriers to build a consultative, personalized insurance program around your property, your operations, and your contracts. Whether you own apartments or an office building, run an auto repair shop or restaurant, or provide professional services, we’ll help you protect what you’ve built with a plan that grows with you.
General liability insurance helps protect your business from claims involving bodily injury, property damage, and personal injury.
Workers’ compensation insurance helps protect your business and employees when a work-related injury or illness occurs.
Professional liability insurance helps protect businesses against claims of negligence, errors, or mistakes in professional services.
Cyber liability insurance helps protect your business from financial losses caused by data breaches, cyberattacks, and digital threats.
Protects your building, equipment, and rental income from fire, storms, theft, and other covered losses.
Commercial umbrella insurance provides an extra layer of protection when underlying policy limits are exhausted.Business insurance built around how your company works
Archer Insurance Agency is an independent agency, which means we don't work for one insurance company. We compare policies from multiple carriers, explain the trade-offs in plain language, and build a commercial insurance program that fits your property, your risks, your contracts, and your budget.
Who we insure
Apartment and multifamily owners: duplexes, small apartment buildings, and larger complexes
Office and commercial building owners: office buildings, retail centers, warehouses, and mixed-use properties, plus the property managers who run them
Auto repair and service shops: mechanics, body shops, tire and lube centers, and detailers, including garagekeepers coverage for customer vehicles
Restaurants and hospitality: restaurants, cafés, bars, and catering, including liquor liability
Retail and service businesses: shops, salons, and local service companies
Professional services: consultants, accountants, marketing agencies, real estate, and IT firms
Healthcare practices: medical, dental, chiropractic, and therapy offices
Contractors and trades
Common coverage for building owners and businesses
Every business is different, and most will not need all of these. Along with the coverage pages above, here are some of the policies we commonly place:
Commercial property: your building, equipment, and inventory, plus lost rent or business income after a covered loss
Business owner's policy (BOP): property and general liability bundled together, often at a lower cost
Commercial auto: vehicles owned or used by the business
Garagekeepers: customer vehicles in an auto shop's care
Liquor liability: for restaurants and bars that serve alcohol
Equipment breakdown, inland marine, and key person life insurance
Liability limits can be raised with a commercial umbrella, and many employers also add workers' compensation.
Why work with an independent agent
More options: we shop several carriers instead of offering one company's price
Coverage that matches your leases and contracts: we check the insurance requirements from lenders, tenants, landlords, and clients and make sure your limits, endorsements, and additional insured wording line up
Fast certificates: need a certificate of insurance for a lender, tenant, or client? We turn those around quickly
One point of contact: we handle renewals, policy changes, and claims support, so you're not stuck on hold with a call center
How it works
Tell us about your business or property: what you do or own, how many employees you have, your revenue, and any lease or contract requirements.
We compare the market: we gather quotes from carriers that fit your industry and explain the differences.
You choose and we bind: once you pick a program, we issue coverage and certificates, then review it with you every year.
Commercial insurance FAQs
What insurance does a small business legally need?
It depends on your state and your business. Most states require workers' compensation once you have employees, and vehicles owned by the business need commercial auto coverage. General liability and property insurance usually aren't required by law, but lenders, landlords, and clients often require them.
What insurance does an apartment or commercial building owner need?
Most owners need commercial property coverage for the building and lost rents, general liability for injuries on the property, and often a commercial umbrella for higher limits. Your lender will usually set minimum requirements, and we make sure your policy meets them.
What is a business owner's policy (BOP)?
A BOP bundles general liability and commercial property insurance into one policy, often at a lower cost than buying them separately. It's a good fit for many small offices, shops, and restaurants.
How much does commercial insurance cost?
Price depends on your industry, location, building size and construction, revenue, payroll, claims history, and the limits you choose. The fastest way to know is a quick quote, and comparing several carriers usually finds a better rate.
What is a certificate of insurance?
A certificate of insurance (COI) is a one-page document that proves you have coverage. Lenders, tenants, landlords, and clients often ask for one, sometimes naming them as an additional insured. We can issue certificates for you, usually the same day.
Can I get coverage outside Tennessee?
Yes. We're headquartered in the Knoxville area and work with businesses and property owners in many states. Tell us where you operate and we'll confirm options for your location.
Ready to compare business insurance quotes? Call 865-392-8200 or request a quote and a licensed agent will follow up.