If your business uses vehicles for its services or everyday operations, you may want to look into your insurance options. Commercial auto insurance helps protect vehicles owned by your business. Policy coverage can help save your business from financial hardship if one of your business-owned vehicles causes an injury or damages someone else’s property. If you use a personal vehicle for work, you need a different type of coverage known as hired and non-owned auto insurance.
Discuss your coverage needs with your Tennessee Auto Insurance agent to determine which option is right for you.
What Can Commercial Auto Insurance Cover?
Commercial auto insurance can help provide coverage for the following:
· Auto liability if you damage another party’s automobile
· Medical expenses for injuries sustained in a crash
· Physical damage caused by wrecks, theft, vandalism, and storms
· Uninsured motorists who cause accidents and don’t have coverage
If your company vehicle is used to meet clients or transport equipment, raw materials or products, you need commercial auto insurance.
Is All Commercial Auto Coverage the Same?
Depending on the nature of your business, you will likely need tailored commercial auto coverage. For example, the commercial auto insurance needs of a rideshare driver or other independent contractor, box truck, towing or construction industry driver will vary. Each type of driver or business needs specific commercial auto coverage to be insured adequately against the risks faced every day.
The team at Tennessee Auto Insurance is here to help you navigate your business’s unique commercial auto insurance needs. We’ll help you identify your specific exposures and recommend coverage to help you find the right commercial auto policy for your needs—whether you’re a rideshare or food delivery driver using your personal vehicle for business purposes, or you own a construction business and have a fleet of commercial vehicles.
Contact Us Today
Determining the best coverage option for your business’s owned, rented or used vehicle can be difficult, but having the right coverage is essential. For help deciding which coverage you need, contact your Tennessee Auto Insurance agent today.