Tennessee Coffee Shop businesses pay $57–$238/month.
Get My Free Quote →By clicking, you agree to our Terms of Use and Privacy Policy, and authorize My Digital Kube and its licensed carrier partners to contact you using the information you provide. Consent is not required to purchase insurance.
| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Memphis | $62–$257/mo | Compare → |
| Nashville | $66–$274/mo | Compare → |
| Knoxville | $57–$238/mo | Compare → |
| Chattanooga | $57–$238/mo | Compare → |
| Clarksville | $56–$233/mo | Compare → |
| Murfreesboro | $60–$250/mo | Compare → |
| Franklin | $67–$281/mo | Compare → |
| Jackson | $54–$226/mo | Compare → |
| Johnson City | $54–$226/mo | Compare → |
| Bartlett | $58–$243/mo | Compare → |
| Shelby County | $62–$257/mo | Compare → |
| Davidson County | $66–$274/mo | Compare → |
| Knox County | $57–$238/mo | Compare → |
| Hamilton County | $57–$238/mo | Compare → |
| Rutherford County | $60–$250/mo | Compare → |
| Williamson County | $67–$281/mo | Compare → |
| Montgomery County | $56–$233/mo | Compare → |
| Sumner County | $60–$250/mo | Compare → |
| Wilson County | $60–$250/mo | Compare → |
| Maury County | $57–$238/mo | Compare → |
Coffee Shop businesses in Tennessee typically pay $57–$238/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Tennessee doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Coffee Shop businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in Tennessee for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Coffee Shop policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Tennessee cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.