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A commercial vehicle policy is a great way to help protect the small business you've worked so hard to grow. This kind of insurance helps safeguard your business from financial loss when one of your company's vans, cars, or trucks is part of an auto accident. You may be required to purchase a commercial auto insurance policy, but it depends on two things: the laws in Tennessee and the type of business you manage or own.

A commercial auto policy isn't meant for everyone, but you could be eligible for one if you use your truck or car to conduct activities related to your job. A commercial policy could be right for you if: you use your vehicle to transport goods or people for a fee; you haul or (tow a trailer hauling) tools or equipment related to your business; you have employees that drive company-owned vehicles; or your vehicle is titled in the name of your business.

At Direct Auto & Life, you'll feel comfortable knowing that we're committed to meeting the needs of your business, however small it may be. Some companies claim to offer the cheapest commercial policies, but we don't have to. Our affordable commercial vehicle policies can be personalized to match the demands of your business, and your budget. With coverages like Bodily and Property Damage Liability, Uninsured Motorist, Medical Payments, Fire and Theft CAC, and more, you'll get the economical coverage options you need when you visit your nearest Direct Auto location.

Visit your nearest Direct Auto office in Hermitage or call 1-877-GO-DIRECT (1-877-463-4732) for a free and fast quote for excellent commercial car insurance! Our knowledgeable agents can help you understand Tennessee's specific requirements for small businesses and commercial auto insurance in no time!

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Tennessee drivers caught driving without the proper insurance could face a fine of $300. Law enforcement agents can take legal action to have your auto immediately towed if proof of valid insurance is not produced. On January 1, 2017, the state of Tennessee implemented a new online system to verify drivers’ insurance. This digital program tracks down drivers who do not have valid insurance by reviewing digital vehicle registration records. Vehicle owners without insurance will not be able to renew their vehicle's registration.