Commercial Auto Insurance
Commercial Auto Insurance – Protect Your Business Vehicles in TN
If your business in Tennessee relies on vehicles—whether it’s a single work truck or an entire fleet—you need the right coverage in place. Commercial auto insurance protects your vehicles, drivers, and business from the financial fallout of accidents, damage, or liability claims. A personal auto policy usually excludes business use, which means your operations could be left exposed if you don’t have the correct policy. At Queener Insurance, we help businesses in Morristown and across East Tennessee secure the coverage they need to stay on the road with confidence.
Coverage That Moves With Your Business
Commercial auto insurance in Tennessee is tailored for business use—whether your vehicle is delivering goods, visiting job sites, transporting tools, or driving clients. This policy covers:
- Liability Coverage – For injuries or property damage you cause while driving for work
- Collision & Comprehensive – For damage to your vehicles due to accidents, theft, vandalism, or weather
- Medical Payments (MedPay) – Optional coverage to help pay for injuries to you or your passengers
- Uninsured/Underinsured Motorist – If your business vehicle is hit by a driver with no or insufficient coverage
- Hired & Non-Owned Auto – Covers liability for rented vehicles or employee-owned vehicles used for business
If you own a fleet in Morristown, operate delivery vans around Jefferson City, or run a single contractor pickup truck in Sevierville, we can build a policy that fits.
Do You Really Need Commercial Auto Coverage?
If you’re asking whether business auto insurance is necessary, chances are it is. You may need a commercial policy if:
- Your vehicle is registered to a business
- You drive for business beyond commuting
- Your vehicle is used to transport goods, tools, or people for pay
- Your personal policy specifically excludes business use
- You employ drivers or operate multiple vehicles
Even if you’re the only one behind the wheel, commercial use often changes your risk profile—and only a commercial policy can respond properly in a claim.
Protecting Fleets, Food Trucks & Every Vehicle In Between
We insure all types of business-use vehicles across Tennessee, including:
- Work vans and cargo trucks
- Service vehicles for electricians, plumbers, and contractors
- Company cars for real estate agents or consultants
- Food trucks and mobile service units
- Delivery vehicles or local fleets
Whether you’re managing one vehicle or twenty, we’ll help you meet legal requirements and contract obligations while minimizing downtime in the event of a claim.
Your Drivers Matter, Too
Insurance companies review who’s driving your vehicles, and so do we. We’ll help you keep policies up to date with the right driver info and offer guidance on safe-driver best practices. For larger fleets, we can explore usage-based discounts through telematics or Progressive’s commercial Snapshot program.
Working With Queener Insurance Means More Than Just a Policy
We’re more than just a quote machine. As an independent insurance agency in Morristown, we partner with top commercial auto carriers—including Progressive—to deliver competitive rates, responsive claims service, and local expertise. We’ll coordinate your vehicle coverage with your general liability or property insurance, ensure your limits are right, and make sure any proof-of-insurance certificates are easy to access.
Get a Commercial Auto Quote in Tennessee
Getting started is simple. Have your VINs, driver details, and a brief overview of your vehicle usage ready—we’ll take care of the rest. Whether you’re just starting a business or have been operating a fleet for years, Queener Insurance is here to help you keep moving forward.
How is commercial auto insurance different from personal auto?
Commercial auto is designed for vehicles used for business purposes. It can cover a wider range of use cases and typically allows multiple drivers (employees) on the policy. Importantly, a personal auto policy might deny a claim if the vehicle was being used for business (for example, delivering goods or transporting paying passengers) without proper coverage. Commercial policies also often have higher liability options because businesses can be sued for more. In short, if a vehicle is owned by a business or primarily used for work, you need a commercial policy.
I occasionally drive my personal car for business errands – do I need commercial insurance?
If it’s truly occasional (say, a trip to the office supply store), your personal policy might be fine. However, if you use your personal car regularly for business (like visiting clients daily, delivering items, or if you have branding on your car), you may need to upgrade. Some personal insurers offer a business-use endorsement for specific situations. We can discuss your particular usage and either adjust your personal policy or get you a commercial policy. Rideshare (Uber/Lyft) is one example where personal policies need special endorsements, and similarly, other business uses must be addressed to ensure you’re covered.
Does commercial auto insurance cover my employees when they drive the vehicles?
Yes, if they are listed as drivers on the policy or fall under the policy’s definitions (most commercial auto policies cover any permissive driver for liability as long as they’re driving with your permission for business purposes). It’s important to list all regular drivers (employees, owners, etc.). If an employee who isn’t listed occasionally drives, they’d typically be covered, but best practice is to keep drivers updated on the policy. We can easily add or remove drivers as your staff changes.
What is Hired and Non-Owned Auto coverage?
This is an optional liability coverage that can be added if your business occasionally hires (rents) vehicles or has non-owned vehicles used for business (like employees using their personal cars for company tasks). It provides liability coverage for your business in those scenarios. For example, if your employee drives their own car to run a work errand and causes an accident, their personal auto insurance is primary, but your company could also be sued – Hired/Non-Owned auto would protect the business in that case. It doesn’t usually cover damage to the employee’s car (their own insurance would), but it helps cover your business’s liability. We often add this coverage for businesses that don’t own vehicles but have people driving around for work.
My business has a fleet of vehicles – can you insure all under one policy?
Yes, typically we can put multiple vehicles on one commercial auto fleet policy. In fact, insurers often give better rates when you have several vehicles insured together. We’ll gather information on each vehicle and driver and consolidate them. Fleet management, like having a mix of trucks and cars, is no problem. And if you acquire or sell vehicles, we’ll update the policy as needed. For larger fleets, we can also discuss advanced options like telematics or safety programs that might reduce premiums.
