BUSINESS INSURANCE
Business Insurance Built for Chattanooga’s Backbone
Owning a business means more than managing operations—it means protecting your people, your property, and your future. At Patriot Insurance Solutions, we specialize in commercial insurance tailored to the needs of businesses across the Southeast including Tennessee, Georgia, Alabama, and twenty plus additional states. From manufacturers in Cleveland to contractors in Dalton to food trucks rolling through Red Bank, we understand the regional risks and regulatory challenges that local business owners face. As an independent insurance agency, we work with multiple carriers to find smart, scalable coverage that grows with your operation—not just your premiums. Whether you’re launching your first LLC or running a multi-site operation, we’re here to help you stay protected and focused on what you do best.
General Liability Insurance
As the foundation of most commercial policies, general liability protects against property damage, bodily injury, and lawsuits from third parties. It’s essential coverage for nearly every Chattanooga-area business.
Contractor Insurance
Contractors in Chattanooga, Dalton, and Cleveland need more than just a basic policy—they need coverage that protects equipment, subcontractors, job sites, and tight timelines. We offer customized policies for general contractors, electricians, plumbers, HVAC pros, and more.
Retail & Restaurant Insurance
Whether you run a café in North Shore or a boutique in East Ridge, retail and restaurant owners face a unique blend of customer-facing risks. We help protect everything from your storefront to your staff to your supply chain.
Commercial Auto Insurance
If your business relies on a vehicle—whether it’s one van or an entire fleet—you need commercial auto coverage that goes beyond personal policies. From local deliveries to out-of-state transport, we’ll help you stay road-ready and fully compliant.
Workers’ Compensation Insurance
Workplace injuries can happen in any business, and the right workers’ comp policy protects both your team and your business. We guide employers through Tennessee’s requirements and help find coverage that balances compliance and care.
Professional Liability Insurance
If your business offers advice, expertise, or technical services, you may need protection from claims of negligence or errors. Our professional liability coverage helps shield consultants, advisors, and service providers from unexpected legal costs.
General Liability Insurance
As the foundation of most commercial policies, general liability protects against property damage, bodily injury, and lawsuits from third parties. It’s essential coverage for nearly every Chattanooga-area business.
Frequently Asked Questions about business & commercial insurance
What types of businesses do you insure in the Chattanooga area?
We work with a wide range of businesses across Chattanooga, Cleveland TN, Dalton GA, and surrounding areas. That includes contractors, restaurants, retail shops, medical offices, tech startups, real estate firms, transportation companies, and more. Whether you run a small business from your home in Hixson or operate a fleet of vehicles across Hamilton County, we tailor coverage to your specific industry and risks. If your business has unique exposures or operates across state lines, we’ll walk you through your options and help you find the right policy mix.
Do I need both general liability and professional liability insurance?
It depends on the nature of your business. General liability protects against physical risks like property damage or bodily injury caused by your business operations. Professional liability, sometimes called errors and omissions (E&O), covers claims related to the services you provide—like bad advice, missed deadlines, or alleged mistakes. Many businesses in Chattanooga—especially consultants, financial advisors, marketing agencies, and other service providers—benefit from carrying both. We’ll help you understand where your business might be vulnerable and which types of coverage make the most sense.
How does workers’ compensation insurance work in Tennessee?
In Tennessee, businesses with five or more employees (or one or more for construction) are typically required to carry workers’ compensation insurance. This coverage helps pay for medical care, lost wages, and rehabilitation if an employee is injured on the job. Chattanooga employers often ask us how to balance compliance with affordability—and the good news is we work with multiple carriers to find cost-effective coverage that meets state requirements. We can also help explain class codes, payroll audits, and what to expect if an accident happens.
What’s the difference between commercial auto and personal auto insurance?
Commercial auto insurance is designed to cover vehicles used for business purposes—whether that’s a work truck driven to job sites in Red Bank or a delivery van traveling between Chattanooga and Dalton. Personal auto insurance typically excludes coverage if a vehicle is used for business tasks like transporting goods, clients, or employees. If you’re unsure whether your business needs commercial auto, we’ll review how you use your vehicle, who drives it, and what kind of protection you actually need to stay legal and covered.
Can I bundle different types of business insurance into one policy?
Absolutely. In fact, many small businesses in the Chattanooga area benefit from a Business Owner’s Policy (BOP), which bundles general liability and commercial property insurance into a single, cost-effective package. From there, we can add coverage like workers’ comp, commercial auto, or cyber liability based on your operations. Because we’re an independent agency, we compare options from multiple providers to create a bundle that fits your coverage needs and your budget. It’s one of the easiest ways to simplify your protection and manage your risk.