Commercial Truck Insurance for Drivers in Franklin, Tennessee
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Protect Your Cargo and Your Truck in Franklin, TN
Whether you are a business owner with a fleet of trucks or an owner-operator with a single semi-truck, driving commercial trucks requires insurance protection so you can operate your business legally and with peace of mind.
We offer a variety of insurance options for the many types of trucks and drivers:
Owner-operators
Motor carriers
Private carriers
Commercial truck insurance helps you meet your state insurance requirements while also protecting you from liability for accidents and cargo damage.
Specific Coverage for Commercial Trucks in Franklin, TN
Consider if you are an owner-operator who was hired to transport cargo from Tennessee to Colorado. If you are involved in a collision that causes a fire to your truck and trailer, you’d need insurance coverage to help you recover the cost of the cargo and help you continue your business and pay your bills while your truck is being repaired.
A personal auto insurance policy is not equipped to handle the coverage needs of a commercial trucker, and a commercial auto policy will sometimes exclude heavy trucks. Our commercial truck insurance bundle includes many types of coverage for the various risks you may face.
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Motor truck cargo insurance: Cover your liability for cargo that is lost or damaged due to collision or fire.
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Motor truck general liability: Cover your liability for customer injury, errors resulting in damage, and more.
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Non-trucking liability: Coverage for when you drive your truck on your days off, not for business purposes.
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Rental reimbursement with downtime: Secure a rental and get back to business, or pay your bills if your truck is out of service.
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Trailer interchange: Physical damage insurance for non-owned trailers that covers collision, theft, fire, and other damage.
Your contract or state of operation may require specific coverages. You can talk to an experienced agent about your budget and the insurance coverage you need.
What is the difference between commercial auto insurance and commercial truck insurance in Franklin, TN?
Our truck insurance coverage is a specialized bundle of commercial auto policies to meet the needs of your business. Commercial vehicle coverages can apply to businesses like florists, handymen, cleaning services, etc.
You can determine if you need auto or truck insurance by the type of commercial vehicle you are trying to insure. Commercial auto coverage can apply to the following commercial vehicles:
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Cars
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Vans
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Pickup trucks
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Box trucks
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Service utility trucks
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Food trucks
Businesses operating large trucks like semi-trucks or tractor-trailers need more specific coverage. This is why we offer commercial truck insurance.
Do I need insurance for my truck when I’m driving it for personal use in Franklin, TN?
If you drive your truck to the grocery store or to visit friends between jobs, you will still need insurance coverage for any accidents. If you are under a long-term contract with a company, they may pay for your general liability – but this only applies to when you are working.
If you are driving your truck back to a depot after a job, also known as “bobtailing,” this may be included in the general liability policy paid for by your contractor. If you are driving without a trailer for personal use, you will need to purchase non-trucking liability to cover your vehicle.
If you don’t know the specifics of your policy, you may be driving with gaps in your insurance coverage. Our experienced agents can review your policies and make sure you have the necessary insurance for every circumstance.
What does commercial truck insurance cost in Franklin, TN?
You can’t succeed without your loyal employees, and it’s up to you to ensure that they stay safe while they work on your behalf. Our insurance agents can help you fulfill your legal obligation to provide workers’ compensation insurance that takes care of those you depend on most.
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Set your business up for growth with insurance coverage
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Meet your legal obligation in an affordable way
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Take care of your employees
Protect Your Assets Even if You Are Exempt From State Law
Being exempt from having to maintain workers’ compensation insurance doesn’t mean that you shouldn’t still benefit from it. Not having coverage could expose you to lawsuits if one of your staff gets hurt on the job. If you don’t provide for their recovery, your employee may be out of work for a longer period of time. Both of these scenarios make it harder for your business to remain profitable. Our agency helps companies like yours stay covered. We’re proud to ensure that your team members can give you their all on a daily basis.
What ways does workers’ compensation insurance help a business owner in Franklin, TN?
Having workers’ compensation in place will allow your insurance company to guide you in your procedures and help put safety programs in place. This will help lower your insurance cost, reduce medical and disability costs that could arise, and hopefully stop claims or injuries from happening in your business.
If I 1099 my workers, do I need workers’ compensation coverage?
Yes. We do our best in every industry to give you the best guidance on your workers’ compensation setup. Retail operations are going to have different guidelines than contractors. One of our professional agents will explain how each setup will work for you.
How do I set up a workers’ compensation exemption?
To set up your initial workers’ compensation exemption registration, you can go to this site: Steps to Filing Initial Workers’ Compensation Exemption. This site walks you through setting up your exemption.
How do I determine what class codes are needed for workers’ compensation?
Our agents can help determine what class codes are recommended. When there are class codes that may be in question, our agency has companies we can go to in order to make sure we have you classified correctly.
Do you have a question about workers’ comp insurance?
Our agents are ready to answer any of your questions.