Tennessee Bar businesses pay $114–$475/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Memphis | $123–$513/mo | Compare → |
| Nashville | $131–$546/mo | Compare → |
| Knoxville | $114–$475/mo | Compare → |
| Chattanooga | $114–$475/mo | Compare → |
| Clarksville | $112–$466/mo | Compare → |
| Murfreesboro | $120–$499/mo | Compare → |
| Franklin | $135–$561/mo | Compare → |
| Jackson | $108–$451/mo | Compare → |
| Johnson City | $108–$451/mo | Compare → |
| Bartlett | $116–$485/mo | Compare → |
| Shelby County | $123–$513/mo | Compare → |
| Davidson County | $131–$546/mo | Compare → |
| Knox County | $114–$475/mo | Compare → |
| Hamilton County | $114–$475/mo | Compare → |
| Rutherford County | $120–$499/mo | Compare → |
| Williamson County | $135–$561/mo | Compare → |
| Montgomery County | $112–$466/mo | Compare → |
| Sumner County | $120–$499/mo | Compare → |
| Wilson County | $120–$499/mo | Compare → |
| Maury County | $114–$475/mo | Compare → |
Bar businesses in Tennessee typically pay $114–$475/month for professional liability insurance (e&o). Rates vary by city, revenue, employee count, and claims history.
Tennessee doesn't legally mandate professional liability insurance (e&o) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Professional Liability Insurance (E&O) protects against claims that your professional advice or services caused a client financial harm. For Bar 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 Bar 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.