If a vehicle is used for business purposes — hauling equipment to a job site, delivering products, transporting clients, or even driving between customer locations — your personal auto policy almost certainly will not cover an accident. Commercial auto insurance fills that gap and keeps your business moving after a loss.
Vallie Insurance works with Erie Insurance and Progressive Commercial to find the right commercial auto coverage for businesses throughout Greeneville and Greene County, Tennessee. Whether you have one work truck or a mixed fleet of vans and trailers, we can build a policy that fits.
What Commercial Auto Insurance Covers
- Liability — Pays for injuries and property damage you cause to others in an at-fault accident.
- Collision — Repairs or replaces your commercial vehicle after an accident, regardless of fault.
- Comprehensive — Covers non-collision losses such as theft, fire, hail, flood, and vandalism.
- Uninsured / underinsured motorist — Protects your business when the at-fault driver has no insurance or not enough.
- Medical payments — Covers medical expenses for you and your passengers after an accident.
- Hired and non-owned auto (HNOA) — Covers vehicles your business rents, leases, or borrows, and employee-owned vehicles used for work.
- Roadside assistance and rental reimbursement — Available endorsements to minimize downtime after a breakdown or covered loss.
Who Needs Commercial Auto Coverage?
Any business that owns vehicles titled in the company’s name needs a commercial auto policy. Contractors, delivery drivers, landscapers, plumbers, electricians, caterers, and real estate professionals who regularly drive for work also need commercial coverage — even if they drive their personal vehicles. Tennessee law requires minimum liability limits for all vehicles, but business use demands higher limits to protect your assets.
Fleet Discounts and Multi-Policy Savings
Erie Insurance offers real-time commercial auto quoting and attractive multi-policy discounts when you bundle commercial auto with other business coverage. Progressive Commercial specializes in specialty fleets and hard-to-place vehicles. We compare both to find your best rate.
Fill out the quote form above or call us to review your current commercial auto situation. We serve businesses across Greeneville, Tusculum, Mosheim, and all of East Tennessee.