Commercial Auto Insurance

In the State of Tennessee, by law, you are required to have automobile coverage whether it’s for personal and/or for your business. 

As a business owner it is imperative to carry this insurance with the appropriate amount of coverage. Commercial Auto insurance offers a variety of coverages based on the assessment of how the vehicles are used. Coverages offered include:

• • Bodily Injury
  • Property Damage
  • Collision Coverage
  • Comprehensive
  • Uninsured Motorist
  • Underinsured Motorist
  • Medical Payments
  • “Other” Optional Coverages

So, what is the right coverage for your business?   Here at H.B. Cowan we can help ask the questions to get the appropriate insurance coverage needed. Things to consider when determining what is best include:

• • How are the vehicles used?
  • How many need to be insured?
  • Do you transport people?
  • Do you transport products?
  • How far do you travel?
  • How many drivers?
  • How old are your drivers?
  • How old are the vehicles?
  • What services are you conducting?

Limits of insurance are important to take into consideration when operating commercial autos. It is recommended, and often required, that commercial vehicles carry a higher limit of coverage due to the increased risk and exposure of daily operations. Talk with us and ensure you have the proper commercial insurance coverage in place with the right insurance company. Otherwise, you’re putting yourself, your employees and business at risk.