Whether your route takes you through Nashville and Knoxville, or all the way down to Chattanooga, insurance is critical. Regardless of what you haul (if anything), it’s important to protect yourself and your business. Fleets large and small need commercial truck insurance in Tennessee that addresses everything from liability to on-hook towing. Fortunately, American Insurance Brokers has been serving the commercial trucking industry since 1980. If you’re searching for straightforward insurance options, you can trust us to find exactly what you need. Here’s what we do.
What are the basics of commercial truck insurance in Tennessee?
Your business is your livelihood. Others may see a simple truck, but that truck helps you support your family. What’s more, if you’re managing a fleet, you have an entire group of people depending on you. It’s your duty to protect their jobs, at all costs.
A catastrophic incident could jeopardize everything you’ve worked so hard for. For example, from totaled vehicles to serious injuries, the aftermath of an accident can be devastating. Insurance is one of the best ways to give yourself peace of mind. In these types of events, you need coverage you can count on.
Many costs are associated with running a business. However, insurance is non-negotiable. This is simply the best way to ensure that you have protection in the event of an accident. Whether it’s a replacement vehicle or financial assistance to cover medical bills, every dollar counts.
What are the benefits of commercial truck insurance in Tennessee?
As Tennessee continues to grow, our highways are becoming busy and congested. From I-40 to I-24, more and more people are moving to Tennessee to live and work. This simple fact alone puts you at greater risk of being involved in an accident.
Even if your route can avoid Nashville, you’ll still encounter issues elsewhere. For example, both Memphis and Chattanooga report some of the highest numbers of heavy truck crashes (.pdf) in the state.
Knowing this, the importance of having robust commercial truck insurance in Tennessee is magnified. This is a fantastic state that is flourishing with opportunities, but it’s essential to protect yourself with a comprehensive policy.
If you’re an independent worker, you may be wondering if your personal auto policy is enough. The answer is a definitive no. In fact, many insurance companies will terminate your policy if they find out you’re using it in this manner. Tennessee truck insurance is the only way to ensure you’re getting the protection you need.
What kind of insurance do I need for my Tennessee trucking business?
Whether you’re driving a semi-truck as an independent worker or managing an entire fleet, you can rely on American Insurance Brokers. Our full-service agency offers a range of policies to help you meet commercial truck insurance requirements in Tennessee and beyond.
These coverages may include:
- Commercial auto liability
- Physical damage
- Medical payments coverage
- Uninsured motorist insurance
- Trailer interchange insurance
- Non-trucking liability insurance
- Motor truck cargo insurance
- Motor truck general liability insurance
- On-hook towing insurance
- Garagekeepers legal liability insurance
- Worker’s compensation
Frequently asked questions about Tennessee commercial trucking insurance
Searching for Tennessee commercial truck insurance is easy when you hire American Insurance Brokers to do the heavy lifting. Customer service is at the heart of all we do, which means we’re always just a phone call away.
While we’ve already answered many frequently asked questions below, don’t hesitate to contact our agents if you still have a concern. Our team at American Insurance Brokers is standing by, ready to assist.
What types of vehicles does your insurance cover?
Commercial vehicles help our nationwide supply chain, construction businesses, and so much more. Whether you’re transporting food to grocery stores or providing materials for highway construction, the work you do is critical.
At American Insurance Brokers, we know there are a variety of commercial vehicles taking to the roads of Tennessee. We want to serve as a resource for all of them, providing coverage options that meet specific needs.
Our portfolio of vehicles includes:
- Dump trucks
- Tow trucks
- Tractor-trailers
- Straight trucks
- Tank trucks
- Moving trucks
- Box trucks
- Flatbed trucks
If you don’t see your commercial vehicle on this list, give us a call. We understand how complex the industry is. For this reason, we cover many other vehicles as well. In most cases, we will be able to offer you the commercial truck insurance Tennessee requires. Contact us to discuss your needs and how we can be of service.
What are my state and regulatory filing requirements?
Every trucking business is different. Your route, what you’re hauling, and many other factors will determine your regulatory filings. However, some federal and state requirements are the same for every truck on the road. When you obtain commercial truck insurance in Tennessee, your filings should include:
- BMC–34: Cargo insurance of $5,000 per vehicle or $10,000 per occurrence
- BMC–91X: Public liability insurance
- MCS–90: Proof that you have met the financial requirements for federal regulations of motor carriers
- Form E: Certifies that your liability insurance complies with Tennessee’s financial responsibility laws
- Form H: Guarantees that you have sufficient cargo liability insurance in Tennessee
- SR22: States that your policy meets the minimum liability coverage required by Tennessee
- OS/OW COI: Oversize and overweight permits
Unsure of your current status on all of these filings? That’s why we’re here to help. Our team will ensure you are meeting all of these requirements, and more.
Do I have coverage when I cross state lines?
If you need interstate coverage, we can find it. Some of our clients are looking specifically for commercial truck insurance in Tennessee. However, many others require protection while traveling across state lines.
We take the unique complexities of your situation and work tirelessly to find an option that will give you continuous coverage.
Your first choice in Tennessee
Since 1980, American Insurance Brokers has been serving fleet owners and self-employed truckers across the Southeast. We are a family-owned business that exclusively serves the trucking industry as a full-service insurance agency.
From the first time you speak with our agents, you’ll notice a difference. We truly understand the demands of your business. From late nights to early mornings, the grind of trucking never stops. That’s why we want to help you find a policy that’s affordable, keeping more money in your pocket. But it should also maximize your coverage to give you peace of mind. In short, we are experts in commercial truck insurance in Tennessee.
At the end of the day, American Insurance Brokers should be your first choice! Here’s a little more about what sets us apart from other agencies.
Coverage across the South
When we say we understand the Southern trucking industry, we mean it. With decades of experience working across this region, we have a unique familiarity with the South. Our team understands exactly what you need to navigate this part of the country.
We help companies meet commercial truck insurance requirements in the following states:
Whether your route is within one state or across several state lines, we can help you find the right coverage.
Your comprehensive annual review
Insurance requirements are much like federal and state laws. They’re always changing due to new legislation. At American Insurance Brokers, we’re committed to keeping up with these changes and making sure you’re in compliance. The best way to do this is with an annual review of your current policy.
When you work with us, we confirm that you’re getting the coverage you need at the right price, every year. This is the best way to ensure you’re not only in compliance but also getting the best rates possible!
This is an annual occurrence for our clients. We also offer a free policy review for potential clients. We will take a look at several different aspects of your current policy and premiums. In general, it’s best to see low deductibles and high limits in your coverage. That means the amount you have to pay before your insurance kicks in is relatively low. When we discuss high limits, we want to make sure you’re covered in the event of a catastrophic accident.
During this review, our team will also check for important federal and state filings. These requirements are essential to keep your business in compliance. We understand that there are many forms involved. This is why we take the initiative to handle as much as we can on your behalf.
Our process
When you partner with American Insurance Brokers, our team will stop at nothing to find a commercial truck insurance policy that meets your needs. Are you in a pinch and need a certificate of insurance as soon as possible? Growing your fleet to meet new demands? We make it fast and easy to get the coverage you need for commercial truck insurance in Tennessee and beyond.
With more than 40 years of work in the Southeast, you can trust that our knowledgeable staff will get the job done. What’s more, we’ll be there every step of the way to answer your questions and address any concerns. Contact us to learn more about how we can help you purchase the right amount of coverage for your trucking business. Request a quote now!
