Flexible Coverage For Modern Businesses.
Business Owners Policy (BOP)
General Liability Insurance
Commercial Property Coverage
Workers’ Compensation Insurance
Commercial Auto Insurance
We can also help with more specialized needs, such as:
- Commercial Umbrella
- Professional Liability (E&O)
- Employment Practices Liability
- Inland Marine
- Surety Bonds & More
Even if your coverage isn’t listed here, let us know—there’s a good chance we can quote it or connect you to the right solution.
Business Insurance Solutions in Tennessee
Whether you’re running a Main Street shop in Morristown or launching a startup in Jefferson County, your business deserves solid protection. At Queener Insurance, we help small and mid-sized companies across Tennessee secure the business insurance they need to operate with confidence. While commercial lines make up about 20% of what we do, they’re a growing part of our agency—built largely through referrals from happy clients who trust us to get it right. Now we’re making it easier than ever to connect with us online and explore your options.
Serving Local Industries with Real-World Understanding
We’re proud to insure many small businesses throughout East Tennessee, from retail shops and home-based businesses to busy contractors and service providers. Whether it’s a family restaurant in Sevierville, a construction company in Jefferson City, or a salon in Morristown, we understand what local business owners face.
We also work with:
- Professional offices (law, finance, real estate)
- Landscapers and cleaning services
- Restaurants and food trucks
- Boutiques, gift shops & retail stores
- Auto repair and mobile service businesses
Custom-Fit Coverage for Tennessee Small Businesses
No two businesses are exactly alike, which is why we don’t sell cookie-cutter coverage. Our agents take the time to learn about your business and build a policy that protects your operations, people, and property without paying for what you don’t need. As an independent commercial insurance agent in Morristown, we represent multiple carriers and compare options for you—including Erie, Travelers, Hartford, and others—to get you the right coverage at the best value.
Why Business Owners Trust Queener Insurance
We’re local, we’re accessible, and we work hard for our clients. Whether you’re filing a claim, requesting a certificate of insurance, or simply have a question, we’re here when you need us—not in some distant call center. We understand Tennessee insurance regulations, including workers’ comp rules and business auto requirements, and we’ll walk you through everything clearly. And if you need help with other coverage like life insurance for key employees or bundling your personal policies, we can make it simple.
Start with a No-Pressure Quote Today
Whether you’ve been in business 20 years or you’re opening your doors next week, we’re here to help you move forward with confidence. Call us or fill out our quote request form to schedule a quick consultation. We’ll ask about your business type, number of employees, property value, and other details to craft a solution that fits you—and grows with you. There’s no pressure, and no business is too small to start the conversation.
What is a Business Owner’s Policy and do I need one?
A BOP combines general liability and commercial property insurance into one streamlined package. It’s ideal for many small to mid-sized businesses like retail shops, restaurants, and offices. If you need to protect both your property and your business from lawsuits or injuries, a BOP could be a cost-effective choice. We’ll help you decide if you qualify and whether this bundled option makes sense for you.
I’m just a one-person business. Do I still need commercial insurance?
Often, yes. Even a solo operator can face lawsuits, accidents, or property losses. For instance, if you're a consultant, you may need professional liability. If you're a contractor, you’ll need general liability. We work with businesses of all sizes, including sole proprietors, and we’ll scale your policy to your actual risks—not your headcount.
Are you able to insure a business in any city in Tennessee?
Yes. While we’re based in Morristown and serve much of East Tennessee, we’re licensed statewide and can write business insurance policies anywhere in Tennessee—from Knoxville to Nashville to Johnson City. No matter your location, we bring the same personal service and expert guidance.
What information do I need to get a business insurance quote?
We’ll typically ask for your business type, years in operation, number of employees, annual revenue, any physical property you want to insure, and any commercial vehicles. If you're not sure of something, that’s okay—our team will guide you through it step by step.
Do you offer Workers’ Comp even if I have just 1-2 employees?
We do. Tennessee requires workers’ comp if you have 5 or more employees—or just one if you’re in construction. But even if you’re not required by law, having a workers’ comp policy can protect your business and employees in the event of an on-the-job injury. We offer flexible workers’ comp policies that suit businesses of all sizes.
