We’re the Commercial Auto Insurance specialists in Knoxville.
As a business owner, you may operate delivery vehicles, service vans, pickups, taxis/limos, or buses. The right commercial auto insurance helps protect against accidents, injuries, and other incidents that could put those investments—and your business—at risk.

What commercial auto coverage do you need, and how much?

Commercial auto insurance can address risks to you, your drivers, and your business. We’ll help you match limits and endorsements to your operations, contracts, and budget.

Driver distraction and commercial vehicle operation

A U.S. Department of Transportation study on commercial motor vehicle (CMV) crashes and safety‑critical events found:

• Drivers were engaged in non‑driving tasks in a large share of CMV crashes
• Distracted driving accounted for a significant percentage of near‑crashes and safety‑critical events

We can help implement driver safety policies and telematics programs that some carriers reward with discounts.

Types of vehicles covered

Commercial auto insurance is a broad category that can cover, for business use:

• Company cars and SUVs
• Cargo vans and service vans
• Pickup trucks and light‑duty trucks
• Limos and taxis
• Buses and shuttles

Policies can be structured for vehicles owned by the business, as well as coverage for hired and non‑owned autos when employees use their own vehicles for business errands.

If you need information on large trucks and heavy equipment, ask us about commercial truck insurance.

What does commercial auto insurance cover?

Commercial auto policies combine required and optional protections. Typical components include:

• Bodily Injury Liability
  • Helps cover medical and legal costs if you or an employee causes injury or death to others in an at‑fault accident.
• Property Damage Liability
  • Helps pay for damages to others’ property, including buildings, vehicles, and other third‑party property. Consider pairing with a Commercial Umbrella for higher limits.
• Collision
  • Helps repair or replace your covered vehicles after an at‑fault collision.
• Comprehensive (Other‑Than‑Collision)
  • Helps cover losses from theft, vandalism, weather, falling objects, and animal strikes.
• Uninsured/Underinsured Motorist (UM/UIM)
  • Helps protect your drivers and vehicles if an at‑fault motorist lacks adequate insurance.
• Medical Payments (or PIP where applicable)
  • Helps pay medical and/or funeral expenses for you, your drivers, and passengers after an accident.
• Optional Coverages
  • Hired & Non‑Owned Auto Liability (employees using personal or rented vehicles)
  • Rental reimbursement if a vehicle is down
  • Towing and roadside assistance
  • Loading/unloading coverage endorsements where available
  • Gap coverage for leased/financed vehicles
  • Custom equipment and permanently installed tool coverage

Having adequate liability limits is critical to protect your company from claims that could otherwise threaten your financial stability.

Does commercial auto insurance cover personal use?

Personal auto policies typically exclude business use. If employees use their own vehicles for company errands—like picking up supplies or driving a client—you may need Hired & Non‑Owned Auto coverage to protect the business. We’ll evaluate how often personal vehicles are used for work and recommend the right structure.

What we’ll ask to tailor your quote

To get accurate pricing and identify discounts, we typically review:

• Number and types of vehicles
• How each vehicle is used (people, goods, tools, food, or hazardous materials)
• Annual mileage per vehicle
• Number of drivers, ages, experience, and MVRs
• Driver training/safety programs and telematics usage
• Garaging locations and security
• Required contract limits and additional insured needs

If you’re in the market for commercial auto insurance in Knoxville—or you want an assessment of your current policy for completeness and price—Sharp Insurance Agency will provide an open, honest review and shop multiple carriers for you.

Get started

• Phone: (865) 922-2744
• Email: info@sharpinstn.com
• Office: Knoxville, TN (Office currently in renovation)
• Service Area: Knoxville and all of Tennessee

Contact Sharp Insurance Agency today for a personalized Knoxville homeowners insurance quote and see how the right coverage, carrier, and price come together.