For work trucks, vans and small fleets across Middle Tennessee
Business Auto Insurance for Middle Tennessee Businesses
Hi, I’m Dustin Rodgers. If your business runs on the road, your trucks and vans need coverage written for work use, and I can help set that up. Call us, or request a quote below.
Local help for working vehicles
Talk with a real person on Providence Pkwy about your vehicles.
The short answer
Do I need business auto insurance in Tennessee?
If a vehicle is owned by or used mainly for your business, a commercial auto policy is usually the right fit. Personal auto policies often limit coverage for business use. Tennessee requires proof of financial responsibility for vehicles on the road.
Whether you have one work truck or a small fleet, we’ll learn how your vehicles are used and explain options plainly.
Coverage
What coverage can we help your business vehicles with?
We can help you look at auto liability, physical damage, hired and non-owned auto, uninsured motorist and medical payments, tools and cargo, and a commercial umbrella. Coverage is subject to policy terms, underwriting and availability. Which coverages are available depends on carrier eligibility and underwriting, and every policy has its own limits, exclusions and terms. We’ll go over what applies to your business before you decide anything.
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Auto liability
Can help pay for injuries or damage your drivers cause to others.
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Workers’ compensation
Drivers who are employees may need workers’ comp for on-the-job injuries, separate from your auto policy.
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Physical damage
Collision and comprehensive for your business vehicles.
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Tools and cargo
Tools and cargo in the vehicle usually need separate coverage.
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Hired and non-owned auto
For rented vehicles and employees driving their own cars for work.
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Commercial umbrella
Sits over your auto liability for a larger accident.
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Uninsured motorist and medical
Can help if an uninsured driver hits you, and with medical bills after a covered accident.
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Driver records
Who drives matters. Tell us about every driver, including new hires.
Which coverages are available depends on carrier eligibility and underwriting, and every policy has its own limits, exclusions and terms. We’ll go over what applies to your business before you decide anything.
Workers’ comp in Tennessee
Do I need workers’ comp in Tennessee?
Sources: Tennessee Bureau of Workers’ Compensation: Who Must Carry Insurance
- Five employees or moreMost Tennessee businesses outside construction generally need workers’ comp once they have five or more employees, including part-time workers.
- Owners and officersHow owners, partners and corporate officers are counted can vary by business structure. We’ll go over yours.
- A 1099 doesn’t settle itThe state looks at how the work is controlled, not just how someone is paid. A worker you pay on a 1099 may still count as an employee.
Know your risks
What risks come with business vehicles?
Owners with work vehicles mostly ask about crashes, stolen tools and staff running errands in personal cars.
- AccidentsA serious crash can lead to large liability claims.
- Stolen toolsAuto policies usually don’t cover tools inside the vehicle.
- Employees’ carsHired and non-owned auto may help with your business’s liability.
- New driversTell us when you add drivers.
- TrailersAsk how trailers you pull are covered.
Leases, contracts and requirements
Contracts and requirements for business vehicles
Clients, lenders and regulators may set requirements for your vehicles. Bring them to us.
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Financial responsibility
Tennessee requires proof of financial responsibility for vehicles on the road.
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Client contracts
Some contracts ask for specific auto coverage. Send them to us.
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Heavier vehicles
Some larger trucks may have additional federal or state rules. Ask us.
We’re an insurance agency, not a licensing office or attorney. Rules change, and cities and counties can add their own, so always confirm current requirements with the right state or local office.
Certificates of insurance
Need a certificate of insurance?
Landlords, lenders, event venues and clients often want a certificate of insurance. Call us at 615-562-5100 with the certificate holder’s name and address and what they’re asking for.
A certificate only shows the coverage your policy already has. It can’t add coverage or change your policy. Additional insured, waiver of subrogation and primary and noncontributory requests depend on your policy’s terms, so send those to us early and we’ll tell you what’s possible.
What to have ready when you call
- The certificate holder: Their full legal name and mailing address.
- The job: The project name or address, if they want it listed.
- Their requirements: The insurance page of the contract, or the list of limits and endorsements they asked for.
Areas we serve
Where do we work with businesses with work vehicles?
Our only office is in Mt. Juliet, and we work with businesses in Mt. Juliet, Lebanon, Watertown, Hermitage, Old Hickory, Nashville, Gallatin, Hendersonville and the rest of Middle Tennessee, all from our Mt. Juliet office.
- Wilson CountyMt. Juliet, Lebanon and WatertownHome of our office on Providence Pkwy.
- Davidson CountyHermitage, Old Hickory, Donelson and NashvilleWest on I-40 and Lebanon Rd.
- Sumner CountyGallatin and HendersonvilleNorth across Old Hickory Lake.
- All of Middle TennesseeMiddle TennesseeAnywhere in Middle Tennessee. Most of what you need can be handled by phone and email, and you’re always welcome at the office.
Our office sits on Providence Pkwy, just off I-40 in Mt. Juliet. We work with local businesses from Lebanon and Watertown to Hermitage, Nashville, Gallatin and Hendersonville. Wherever your business is, you can call one local office for your coverage.
Getting started
How does getting a quote work?
Call or request a quote
Call 615-562-5100 or use the form below. Tell us what kind of work you do and who you work for.
We talk it through
We’ll ask about your business, your drivers, your space, vehicles and any lease or contract requirements, and explain your options in plain language.
You decide
We’ll go over the coverage options available to you, what each one does and what it costs, so you can choose what fits. No pressure.
More for Middle Tennessee businesses: restaurant insurance, retail store insurance, professional office insurance and small business insurance. In the trades? See our insurance for contractors. Not sure where to start? Read how much business insurance you may need.
Your agent
Meet Dustin Rodgers
I’m Dustin Rodgers, and I run Rodgers Insurance Agency from our office on Providence Pkwy in Mt. Juliet. I grew up in Middle Tennessee, and a lot of the people I work with are small business owners who build, fix and maintain this area for a living. I’ve been in the insurance business since March 2011.
When you call, you’ll talk with me or someone on my team who knows your file. We’ll listen to how your business actually runs, explain things in plain language, and be here when you need a certificate, a policy change or help with a claim.
- TN Insurance License #2027275
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Frequently Asked Questions
Updated
Does my personal auto policy cover my work truck?
Often not fully. Personal policies commonly limit or exclude vehicles used mainly for business.
What is hired and non-owned auto?
It can help with your business’s liability when employees drive their own cars or rented vehicles for work.
Are tools in my truck covered?
Usually not by the auto policy. Ask about tools and equipment (inland marine) coverage.
Can I insure just one vehicle?
Yes. Business auto isn’t only for fleets.
Do I need to list all drivers?
Yes. Tell us about every driver, including new hires.
Are trailers covered?
It depends on the policy. Ask how yours are handled.
Does an umbrella cover auto liability?
A commercial umbrella can add liability above your auto limits.
A customer wants proof my vehicles are insured. Can you send it?
Yes. Tell us who needs the certificate and what their contract asks for, and we’ll send one showing your current auto coverage.
My trucks are garaged in Lebanon. Is that a problem?
Not at all. We insure work vehicles garaged across Wilson, Sumner and Davidson counties and beyond.
What do I need for a business auto quote?
It helps to have each VIN, every driver’s name and license number, where the vehicles are parked overnight, typical routes, and your current auto policy. Then we’ll follow up.
Request a business insurance quote
Tell us a little about your business, and we’ll call you back during business hours. Prefer to talk now? Call 615-562-5100.
It helps to have each VIN, every driver’s name and license number, where the vehicles are parked overnight, typical routes, and your current auto policy.
Stop By or Call Our Mt. Juliet Office
Have a lease or contract that asks for certain coverage, or just a question? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed