Business insurance · Middle Tennessee

Commercial Auto Insurance in Nashville, TN

If your business runs on wheels and you need commercial auto insurance in Nashville, TN, start here. Commercial auto insurance covers vehicles used for business, from a single pickup for a contractor to a fleet of delivery vans. Personal auto policies often exclude or limit business use, so the right commercial policy helps make sure a work-related accident doesn’t land on your personal finances. According to the Tennessee Department of Revenue, a vehicle with a commercial license plate must be covered under a commercial auto policy.

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What it covers

Liability Helps pay for injuries and property damage your business vehicles cause to others, including legal defense.
Collision Helps repair or replace a covered business vehicle after a crash, minus your deductible.
Comprehensive Covers theft, vandalism, hail, fire, animal strikes, and other non-collision damage.
Uninsured/underinsured motorist Helps protect your drivers if they’re hit by someone without enough insurance.
Medical payments Helps pay medical bills for drivers and passengers in your vehicles, where available.
Hired and non-owned auto Liability protection when employees use their own cars or rented vehicles for business errands.

What it usually doesn’t cover

Injuries to your own employees are typically handled by workers’ compensation, not auto.
Cargo or customer property you haul often needs separate cargo or inland marine coverage.
Tools and equipment carried in the vehicle are often not covered unless added.
Wear and tear and mechanical breakdown are typically excluded.
Drivers not listed or approved under the policy may not be covered, depending on the carrier.

Who it’s for

Commercial auto is for Tennessee businesses that own, lease, or regularly use vehicles for work: contractors, landscapers, plumbers, electricians, caterers, delivery services, sales teams, and farms with business operations. If your vehicle has a commercial tag, carries your business name, hauls equipment, or is driven by employees, it’s time to talk about commercial coverage. Wondering whether your truck needs a commercial policy? See our commercial auto guide.

Factors that affect your rate

Type, size, weight, and value of your vehicles
How vehicles are used and how far they travel
Driving records of everyone who drives for you
Your industry and what you haul
Liability limits and deductibles
Claims history

Optional coverages to consider

Hired and non-owned auto Important if employees drive personal or rented vehicles for your business.
Rental reimbursement Helps keep you on the road while a work vehicle is in the shop.
Towing and labor Covers roadside help for business vehicles.
Motor truck cargo Protects goods you haul, if your work involves transporting property.
Commercial umbrella Adds liability limits above your commercial auto and general liability policies.

Why work with Eric

Business vehicles are as varied as the businesses that use them, and carrier appetites differ. As an independent agent affiliated with Hutsenpiller Insurance, Eric can shop your commercial auto with more than one carrier and help you line it up with your other business coverage. Wondering what “independent” means for your business? Our guide to independent agents explains it.

Commercial Auto Insurance for Nashville-Area Businesses

Eric works with contractors, landscapers, and service businesses in Nashville, Lebanon, Gallatin, and Murfreesboro, and in nearby La Vergne and Goodlettsville. Local work vehicles cover a lot of ground, from job sites across Davidson County to suburbs that keep growing. Eric can help you sort out which vehicles belong on a commercial policy, add hired and non-owned auto, and line it up with your other business coverage anywhere in Middle Tennessee.

Frequently asked questions

Can I use my personal auto policy for my work truck?

It depends on how the truck is used and how it’s titled and plated. Many personal policies limit business use, and commercial plates require a commercial policy. Let’s review it together.

Are my employees covered when they drive their own cars for work?

Their personal policy usually applies first, but your business can still be sued. Hired and non-owned auto coverage helps protect the business.

Do I need federal filings?

If you haul for hire or cross state lines, you may need federal or state filings. Tell us about your operations and we’ll help sort it out.

Can I add new vehicles during the policy term?

Generally, yes. Let us know right away when you buy, sell, or replace a vehicle.

Learn more

Want to dig deeper before you decide? Read our article, Do I Need Commercial Auto Insurance? A Guide for Tennessee Business Owners, for more plain-English answers and tips from Eric.

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Eric compares options from a variety of carriers and explains them in plain English. Start online, or call or text 615-808-1105.