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  • Commercial Auto Insurance Minimum Requirements in Tennessee

    You must establish financial responsibility for every motor vehicle you drive on state roads, and this includes commercial vehicles. Tennessee wants to know you’re able to handle the cost of any bodily or property damages that might result from an auto accident.

    Ways to Establish Financial Responsibility

    You might be able to establish financial responsibility for your commercial vehicle in one of several ways:

      • Purchase commercial insurance from an insurance carrier licensed to do business in Tennessee.
      • Post a cash deposit or bond with the Department of Safety (DOS).
      • Opt to self-insure.

    NOTE: If you wish to post a cash deposit or bond or self-insure, please contact the DOS to determine your eligibility and the steps to begin the process.

    Determine Whether You Need Commercial Insurance

    If you don’t post a cash bond or deposit, and you don’t self-insure, think about the following factors to help you decide whether you need commercial insurance:

      • How many and what kind of vehicle(s) you need to insure
      • How the vehicle(s) is being used
      • Who drives the vehicle(s)
      • Who owns the vehicle(s)

    Usually, businesses that own multiple vehicles for business-related matters, and hire employees to drive those vehicles, need commercial insurance.

    Consider the following situations; if any of them apply to you, you might need commercial insurance:

      • Your business equipment cannot be removed from the vehicle(s).
      • You or your business picks up and delivers goods and/or people.
      • You have multiple vehicles used by craftsmen or skilled workers (aka artisan use).
      • The coverage limits on a personal auto policy are not high enough.
      • You need to protect your employees when they use your company vehicle(s) or their own vehicles on company time.

    Still not sure whether you need commercial insurance? Contact the DOS for assistance.

    Determine the Required Amount of Coverage

    Once you determine whether you need commercial coverage, you need to determine how much commercial coverage you need. Discuss the following with potential insurance providers:

      • Who owns the vehicle(s)
      • Weight of the vehicle(s)
      • Usage of the vehicle(s)
      • Liability limits requirements

    Purchase a Commercial Policy

    Many insurance providers offer both private and commercial coverage, so once you’re ready to buy commercial coverage, employ the same “shop around” mentality as you would if you were shopping for insurance for your own private vehicle.

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