Tennessee Commercial Auto Insurance

Many things in life are unpredictable. Auto accidents are one of the worst. They happen when we least expect them and never fail to blindside those involved. When an accident happens in a commercial vehicle—or while an employee is moving from point A to point B in their own vehicle for work purposes—it’s even more crucial that you have really great auto insurance to protect your company’s assets and your employees’ well-being. Plus, you’ll want to avoid penalties for not holding commercial auto insurance; these penalties can include a Class C misdemeanor conviction, fines, a suspended license, or a STOP against your vehicle that prevents you from renewing your registration.

Do I Need Commercial Auto Insurance?

If you have a Tennessee business and want to know if you need commercial auto insurance, you may want to ask yourself the following questions:

  • Are the coverage limits on your personal auto policy high enough?
  • Can your business equipment be removed from the vehicle?
  • Does your business pick up and deliver goods or people?
  • Do you have multiple vehicles that are used by skilled workers or craftsmen?

If you answered yes to any of these questions, then you need commercial auto coverage. The knowledgeable agents at Elite Insurance Solutions will be able to find just the right plan to meet state requirements as well as your company’s specific needs. We don’t work with any one carrier so we’re not locked into rates. Our ability to shop around means you can trust that you’re getting the best deal on the best coverage.

Tennessee Laws For Commercial Auto Insurance

If your business doesn’t carry commercial auto insurance, Tennessee law states that the business must either post a cash deposit or bond with the Department of Safety, or if the business has 25 or more vehicles and is qualified to do so, it may self-insure. The large majority of companies, however, take out commercial auto insurance. Coverage limits will depend on the following factors:

  • How many vehicles do you have to insure?
  • What kind of vehicles do you have to insure?
  • Who drives the vehicles?
  • Who owns the vehicles?

It may be that you can purchase the same coverage amounts that Tennessee requires for private passenger auto insurance. Those amounts are:

  • $25,000 for one injury or death
  • $50,000 for all injuries or deaths
  • $15,000 for property damage for one accident

One of our agents will be able to help you determine how much coverage you need to operate legally and safely. Just visit our Locations & Contact page to find the Tennessee location and agent nearest you.


Worker’s compensation insurance can help protect both employer and employee in the case of on-the-job injuries. Don’t overlook this crucial component of business insurance as you set up your business.

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Before Elite we really didn’t have a relationship with our insurance agents. Randy Hulett came into our place in 2010 and offered us a less expensive & more comprehensive insurance package. As a bonus, we also get a confident, knowledgeable and smiling agent! We’ve been with Elite ever since. All requests and questions are promptly handled by Randy and his staff. I highly recommend Elite Insurance for all your business related insurance needs. They will take care of you!
~ Jeanie Winkler, Nashville, TN