What liability limits does Tennessee require?

Tennessee's minimum is $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Most businesses carry much more, and client contracts often ask for a $1,000,000 combined single limit.

Do trucks that cross state lines need higher limits?

Some do. Federal rules require for-hire interstate carriers hauling general freight in vehicles over 10,001 pounds to carry at least $750,000 in liability coverage. Hazardous materials carriers face higher minimums.

How do I add a new vehicle?

Report it to your agent with the VIN, and it's added to the schedule. Many fleet policies also cover a newly acquired vehicle automatically for a set window, often 30 days, as long as you report it within that time.

How do my drivers affect the premium?

Insurers check each driver's motor vehicle record. Recent accidents, speeding tickets, or a DUI raise the rate, and an insurer may exclude a high-risk driver from the policy altogether.

Is the cargo in my trucks covered?

Not by the fleet policy itself. Auto coverage protects the vehicles and your liability on the road. Goods you haul need separate cargo coverage, usually written as motor truck cargo or inland marine.

Commercial Fleet Insurance

Commercial Fleet Insurance in Memphis, TN

Running five delivery vans or a dozen service trucks means keeping track of drivers, routes, and renewal dates. Commercial fleet insurance in Memphis brings those vehicles together under one policy, so a single schedule covers everything your business puts on the road. Jones Enterprises Insurance Brokers sets up fleet coverage around how your vehicles are actually used, from local service calls to regular hauling.

Commercial fleet insurance ad with vans and a sedan outside a building, two people talking beside them

Can One Policy Cover Every Vehicle in My Business?

Yes. A commercial fleet policy covers all of your business vehicles under one policy with one renewal date. Many insurers offer fleet pricing once a business runs a set number of vehicles, commonly five. Each vehicle and driver is listed on the policy schedule, and you can mix cars, pickups, vans, and box trucks on the same policy. Adding or removing a vehicle becomes a change to one policy instead of a new policy each time.

Coverage Built Into a Fleet Policy

A fleet policy carries the same core coverages as a commercial auto policy, applied across every vehicle on the schedule.

Liability Coverage

Bodily injury and property damage liability pay for injuries and damage your drivers cause to others. Many fleets choose a combined single limit (CSL), one total amount that applies to the whole accident instead of separate caps for each person and for property.

Comprehensive and Collision

Collision coverage pays to repair your vehicles after a crash. Comprehensive physical damage covers losses that aren't collisions, like theft, hail, vandalism, or a fallen tree. You can carry these on every vehicle or only on the newer ones worth repairing.

Medical Payments and Personal Injury Protection

Medical payments, no-fault, or personal injury coverage helps pay medical bills for your driver and passengers after an accident, regardless of who caused it.

Uninsured Motorist Coverage

If another driver hits one of your vehicles and has no insurance, or too little, this coverage helps pay for the injuries and damage they leave behind.

Hired and Non-Owned Auto

Employees sometimes run business errands in their own cars or in rentals. Hired and non-owned auto coverage protects your business from liability claims in those cases, which a policy covering only owned vehicles won't do.

How We Quote Your Fleet

You may need commercial vehicle coverage if you transport goods for a fee or if using the vehicle is part of the service you sell. That's especially true if you haul considerable weight or regularly carry expensive products. Before quoting, our agents review the full list of vehicles you run and how each one is used. Then we compare options across insurers and show you where the price and coverage differ.

Fleet coverage sits alongside the rest of your commercial insurance, including property and liability. What your trucks carry is a separate matter: cargo and equipment in transit fall under inland marine insurance. See all of our personal and business policies on the Jones Enterprises Insurance Brokers home page.

Commercial Fleet Insurance Around Memphis and Beyond

Memphis sits where I-40 and I-55 meet, and plenty of local fleets cross into Mississippi and Arkansas every day. We help businesses running vehicles out of Memphis, Southaven, Marion, and Bartlett. The agency also serves Nashville and Dallas, with business coverage available nationwide.

Fleet Coverage Questions

What liability limits does Tennessee require?
Tennessee's minimum is $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Most businesses carry much more, and client contracts often ask for a $1,000,000 combined single limit.
Do trucks that cross state lines need higher limits?
Some do. Federal rules require for-hire interstate carriers hauling general freight in vehicles over 10,001 pounds to carry at least $750,000 in liability coverage. Hazardous materials carriers face higher minimums.
How do I add a new vehicle?
Report it to your agent with the VIN, and it's added to the schedule. Many fleet policies also cover a newly acquired vehicle automatically for a set window, often 30 days, as long as you report it within that time.
How do my drivers affect the premium?
Insurers check each driver's motor vehicle record. Recent accidents, speeding tickets, or a DUI raise the rate, and an insurer may exclude a high-risk driver from the policy altogether.
Is the cargo in my trucks covered?
Not by the fleet policy itself. Auto coverage protects the vehicles and your liability on the road. Goods you haul need separate cargo coverage, usually written as motor truck cargo or inland marine.

Send Us Your Vehicle List

A list of your vehicles, their VINs, and your drivers is all it takes to start. One of our friendly agents will build a fleet quote around that list and walk you through it.