Truck Insurance Nashville
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What’s covered by commercial auto insurance
Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving. A typical commercial auto policy may include:
- Liability coverage
- Medical payments coverage
- Comprehensive coverage
- Collision coverage
- Uninsured and underinsured motorist coverage
- Coverage for vehicles you rent or borrow
- Coverage for employees who use their cars for business
Determining what you need
Businesses like yours
See what other companies in your industry typically choose for coverage.Find your type
What we cover
Customize your commercial auto policy. Explore coverages & options
What will it cost?
Each policy is customized to your needs. You’ll need to contact an agent for an accurate quote.
Tips For Employers
Employees should be required to sign the Personal Use Policy. Below are items that need to be addressed in the policy. Who is allowed to drive? Most companies allow only the employees to drive the vehicle. Spouses, children, and others are prohibited. Where can the vehicle be driven? A mileage limit should be set. Many companies will allow a quick stop on the way home from work, but will not allow a vehicle to be used for vacations. Can passengers be carried in vehicles? Do you want your employees running the school car pool with your vehicle? Set limits and stick to them! What can the vehicle be used for?
Many employers prohibit company vehicles from being used for second jobs, side-jobs, towing personal trailers, boats, campers or hauling material that is not work related. Special circumstances Situations arise in which an employer may wish to allow a vehicle to be used for non-work activities such as helping someone move or performing work on personal property. These situations should be limited and closely controlled. Consequences for unauthorized use Violation of the Personal Use Policy should be handled using existing disciplinary procedures.