Insurance for Your Business

Commercial insurance coverage for businesses in Byhalia and Southaven.
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Your business is your livelihood.

Insurance options for your business are an essential tool for safeguarding that livelihood. We know your focus is on your business and industry, so let us help you find the coverage you need. Save money and protect your profits with commercial insurance coverage from a reliable and affordable independent insurance agency.

We offer a wide array of insurance coverage for your business to keep you protected after unexpected events. Learn more about each of our coverage options for businesses below:
Commercial general liability
You can be held responsible if someone slips, falls or injures themselves at your place of business. Get insurance coverage for medical bills, legal fees, and more expenses from liability claims.

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Commercial property insurance
Protect your business property and merchandise in case of fire, vandalism, theft, and other covered events that cause damage and loss.

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Commercial automotive insurance
If you own and operate vehicles as part of your business, you’ll need a separate policy to cover automobile accidents, damage, and liability.

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Workers’ compensation insurance
Most states require businesses with employees to provide workers’ compensation insurance. This coverage pays medical bills and legal fees associated with workplace injuries and illnesses.

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Commercial umbrella/excess liability
All your commercial insurance policies will have coverage limits. If the nature of your business requires higher coverage amounts, consider a commercial umbrella liability policy.

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401k retirement plan
Attract talent and retain employees by providing competitive benefits to your staff. Establishing a 401k retirement plan can help your employees prepare for their future.

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Insurance bonds
Insurance policies can be specific to your business needs. We write bonds for notaries, contractors, estates, public officials, and more.

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Business owners policy (BOP)
Bundle your commercial property and general liability insurances into a business owners policy to save money on your insurance payments.

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Church insurance
Church insurance policies are specifically tailored to meet the needs of religious organizations. This includes general liability, property insurance, and pastoral professional liability coverage.

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Contractors liability insurance
Secure more contracts and customers by insuring your business. We offer industry-specific policies to best protect your construction business.

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Cyber liability
A data breach of private company or customer information and the resulting fallout can bankrupt your business unless you have cyber liability insurance to help carry the financial burden.

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Earthquake insurance
Depending on the location of your business, you may be at risk for damages from an earthquake. Earthquake insurance fills any gaps in your property insurance coverage in the event of disaster.

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Hotel and motel insurance
Hospitality businesses face different risks from traditional storefronts or other businesses. Hotel and motel insurance tailors property insurance and other coverage to meet the needs of your industry.

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Inland marine and equipment breakdown coverage
Equipment can be essential to your business and expensive to replace. Inland marine insurance covers your equipment or merchandise in transport, and equipment breakdown reimburses you for repairs or replacement.

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Builder’s risk insurance
General contractors put in time and money to complete each new project. Get coverage for property damage and theft of equipment from your work site with builder’s risk insurance.

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Manufacturers insurance
Manufacturers often require multiple insurance policies to cover equipment breakdown and liability risk of specialty machinery. Our manufacturers insurance bundles all your necessary coverage at an affordable rate.

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Nonprofit organization insurance
Property damages and liability lawsuits could destroy your budget and take away the focus on your mission. Nonprofit insurance includes coverages like general liability, commercial property, directors and officers insurance, and more.

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Office insurance
Whether you own or lease your office space, you will need insurance to protect your business location and equipment. Our office insurance covers your basic insurance needs so you can get back to business.

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Pollution insurance
Pollution insurance covers costs associated with pollution incidents like cleanup fees, legal fees, and investigation fees. These types of incidents are usually excluded from other liability policies.

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Restaurant insurance
Restaurant insurance for your business includes business owners policy coverage and other policies specific to the restaurant industry like liquor liability or food liability coverage.

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Retail insurance
Because every business is different, retail insurance can be adjusted to fit your needs. It can include a BOP, general liability, and crime insurance to protect against theft and employee dishonesty.

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Self-storage business insurance
Insurance policies customized to fit the needs of the self-storage industry includes sales and disposal liability, customer goods liability, and commercial umbrella coverage.

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Commercial farm insurance
Insurance for your farm and equipment so that you can continue your business even after unexpected events.

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Do you have a question about insurance for your business?

Our agents are ready to answer any of your questions.
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Guardian Insurance Group is an independent insurance agency that serves customers in Tennessee, Arkansas, and Mississippi. They offer a wide range of personal and commercial insurance products, including auto, home, and business insurance.

Guardian Insurance Group is committed to providing clients with the best possible service. They have a team of experienced and knowledgeable agents who are dedicated to helping their customers find the right insurance coverage for their needs. Guardian Insurance Group also offers a variety of online resources to help their customers manage their insurance policies.

In 2022, Guardian Insurance Group was voted in the top three for Best Insurance Agency by the DeSoto Times-Tribune. This award is a testament to the hard work and dedication of the agency's team. Guardian Insurance Group has locations in Memphis, TN, Southaven, MS and Byhalia, MS and is committed to providing clients with the personalized and unique service they deserve.
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