Commercial Auto Insurance

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If your personal auto is used for your business, contact us; this coverage is for you.

Commercial Auto Insurance — Simpli Insurance — Tennessee

Who needs commercial auto insurance?

From Knoxville to Nashville, according to Tennessee state law, all businesses that use vehicles for commercial purposes must carry a minimum liability limit. These limits can vary depending on the type of vehicle insured.

From freelancers’ cars and vans to fleet insurance, we have policies suited to your individual needs. Our expert agents will advise you on selecting the most appropriate limits for your type of business.

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What does commercial auto insurance cover?

First, it covers liability, which is required by Tennessee auto insurance law. This basic coverage protects you in the event one of your vehicles causes an accident, although it does not protect you in the event the accident is caused by someone else.

Additionally, you can obtain other coverages to fully protect your commercial auto, such as medical payment coverage in case of injuries, collision coverage that helps with expenses related to repairs and replacements, and comprehensive coverage that covers costs caused by vandalism, theft, flood, or fire.

You can also obtain towing coverage, loading and unloading coverage, and insured or uninsured motorist coverage that protects you in case the person responsible for the accident cannot cover the full cost of the damages.

Do you use your personal car for work?

You may have questions and want to know the difference between personal and commercial auto insurance. If you or your employees use your personal car for business-related work, you may need a commercial auto policy.

Contact us; our agents are ready to assist you and provide the best and most comprehensive advice.

A helping hand when you need it most!