Commercial Auto Insurance in Tennessee—Coverage for Business Vehicles That Work

When Business Use Requires Business Coverage

If you use vehicles for business purposes, a personal auto policy may not be enough. Commercial auto insurance is designed for vehicles owned by a business or used regularly for work—helping protect your company from costly accidents, liability claims, and downtime.



Whether you operate a single work truck or manage a fleet driving Nashville-area roads, The Bill Yon Agency helps ensure your vehicles are properly covered.

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Built for Business Risk

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Liability Coverage

Protects your business if drivers cause injuries or property damage.

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Collision & Comprehensive

Covers damage to your vehicles from accidents, theft, vandalism, or weather.

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Hired & Non-Owned Auto

Extends liability coverage when employees use personal vehicles for work errands.

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Cargo & Equipment Coverage (When Applicable)

Options for businesses transporting goods or specialized equipment.

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Fleet Coverage

Policies designed for multiple vehicles with centralized management.

Protecting Your Bottom Line

Commercial vehicle accidents often involve higher claim costs than personal auto claims due to vehicle usage, equipment damage, and potential lawsuits. We help manage costs by:

  • Comparing multiple commercial carriers to find the best balance of coverage and pricing for your business.

  • Tenant improvements and buildouts: Insures upgrades you’ve paid for—such as flooring, cabinetry, wiring, or custom installations—that would otherwise be lost after a covered claim.

  • Bundling commercial auto with other business policies to reduce costs and simplify coverage.

  • Recommending coverage limits that match your actual exposure—never guesswork.

Driving for Business in Middle Tennessee

With Nashville’s growth, construction activity, and heavy traffic, business vehicles face increased exposure. Our agency works with carriers—often including Erie—for competitive commercial auto rates in Tennessee, helping local businesses stay protected without overpaying.

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Commercial Auto FAQs

  • Do I need commercial auto insurance for my business vehicle?

    If the vehicle is owned by a business or used regularly for work, yes.

  • What’s the difference between personal and commercial auto insurance?

    Commercial auto offers higher liability limits and covers business-specific risks that personal policies often exclude.

  • Can I insure just one company vehicle?

    Absolutely. We insure everything from a single work truck to large fleets.

  • How much does commercial auto insurance cost in Tennessee?

    Costs vary by vehicle type, use, drivers, and limits. We shop options to find the best value.

Not Sure If Your Vehicle Is Covered Correctly?

We’ll review your current policy and business use to make sure there are no gaps.

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Let's Talk

Keep Your Business Moving—With the Right Coverage

From company cars to fleets of work trucks, The Bill Yon Agency helps Tennessee businesses protect their vehicles, drivers, and operations with smart commercial auto insurance.