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What's covered under a business auto policy

in Tennessee?

Bodily Injury Liability -  Helps pay medical costs of injury you cause to other people, loss of income for someone you injure and the cost of legal defense if you are sued and determined to be at fault in the event of an accident involving injury or death, while driving a TN business auto.

Medical Payments - Helps pay the cost of doctors, hospitals, medical care, lost wages, replacement services and funeral expenses for you and/or your passengers, regardless of who caused the accident, while driving a TN business auto.

Property Damage-Collision - Helps pay for damage to your TN business auto caused by collision with another vehicle or a stationary object, or rollover.

Property Damage-Comprehensive - Helps pay for damage to your TN business auto not involving a collision.  Covered risks can include fire, theft, falling objects, explosion, riot and civil commotion.

Uninsured/Underinsured Motorist-Property Damage- Provides coverage for damages to your TN business auto, which are caused by the negligent acts of a non-insured or under insured driver.

Uninsured/Underinsured Motorist-Liability-Protects you in case of bodily injury while driving a TN business auto, caused by a driver with no liability insurance or less liability than you.

Lease Gap Coverage - Covers business autos which you lease in your business.  If the auto is destroyed in an accident, this coverage will pay the balance of the lease if it is more than the actual cash value of the leased business auto.

Hired or Non-Owned Business Auto - Covers claims for property damage or bodily injury which you are obligated to pay during the use of a hired business auto or a business auto you don't own, which you use in your business.

Business Use of Employee's Auto - This coverage is needed if your employees use their own autos in your business.  Coverage provides protection from lawsuits which could arise due to property damage or injury caused by the business use of an employee's auto.

When you apply for or request a quote, you will be asked a number of questions.

Like . . .

• Driving records
• Year, Make and Model of all vehicles
• VIN numbers are helpful, but not required

Information You Will Need

To Get

Commercial Auto Quote