Tennessee Bobtail Non-Trucking Liability Insurance

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Get TN small business insurance quotes and info on costs, coverages, minimum requirements, certificates & more.

Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Frequently Asked Questions About Small Business Insurance


How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Tennessee Bobtail Non-Trucking Liability Insurance Policy Information

TN Bobtail Non-Trucking Liability Insurance

Tennessee Bobtail Non-Trucking Liability Insurance. Working as an owner operator and driving a semi truck means you must have the right protection when on the road. Most times when you are under dispatch, you are covered by the insurance your motor carrier offers but there will be times when you are not working, and you are using your truck as transportation. For this, you must note that when using your truck for personal reasons this insurance does not cover you. If you are looking to find the right insurance for your for your truck, then you should read everything on this page. Get the Tennessee bobtail non-trucking liability insurance coverage that will keep you and your power unit protected.

Tennessee bobtail non-trucking liability insurance protects you and your truck from lawsuits with rates as low as $87/mo. Get a fast quote and your certificate of insurance now.

Understanding Bobtail Insurance

Every time you are driving in your truck won't be for the transportation of a trailer. You may just be moving between one job and another. Any time you're on the road you're at risk of an accident. This is why having Bobtail insurance is important. Having this type of insurance protects you when you are traveling without a trailer or carrying a load. If you have a trailer on the truck, then this insurance will not cover you. Even if you get in an accident and the trailer is empty, you still aren't covered. In the times when you are not traveling with a load, Tennessee bobtail non-trucking liability insurance will keep you covered.

Non-Trucking Liability Insurance

Sometimes when you are on the road, you might not be using your truck for work. Maybe you are using your truck to run personal errands. By having non-trucking liability insurance, you are protected. Non-trucking liability insurance allows you to stay protected when you are not using your truck for business. Having this type of Tennessee bobtail non-trucking liability insurance is the best thing to have when you are using your truck for personal reasons.

However, you must know this type of insurance does not cover everything. If you are taking your truck to the garage for a servicing trip then this something that is not covered by this type of insurance. Whether you are using your truck on your off days to go to the movies are just take a trip to get some groceries you can drive easy knowing non-trucking liability insurance protects you. You must understand that this type of coverage doesn't cover you when you have a trailer on your truck. Even if the trailer is empty and you get in a collision, this coverage still does not protect you.

The best thing for you to do is to get this type of insurance on your truck. Doing this can save you a lot of money in the future if there is anything that goes wrong while using your truck for things other than moving trailers or carrying loads.

Bobtail And Non-Trucking Insurance Are Different

There are many similarities about these two types of insurance and because of this many truckers are confused by them. The first thing you must understand is that primary liability insurance coverage is mandatory for all truckers. Before doing anything else, this is the type of insurance you need to have.

Any insurance plan only covers a certain amount. Now because of these limits, you may have to get additional insurance to keep you entirely covered. This is why it is a good idea to speak with an insurance professional so that you can know everything that your current insurance portfolio covers. Fortunately, what you miss with your regular insurance, you can purchase with additional insurance plans.

The first step to getting the right insurance is knowing what you will be using your truck for. When you know what you will be doing with your truck for most of the time you have it you put yourself in a better position to get the level of coverage to keep you covered. There is no sense for you to be on the road driving your truck on the road without the proper protection.

TN Bobtail Non-Trucking Insurance

As a truck driver, you must be concerned with your safety on the road. The last thing you want happening is all of your profits going into repairs because you weren't properly protected. Having the right coverage from the start keeps you protected. Being safe is important and having the right level of insurance coverage while on the road is important. Speak with an independent insurance agent and work with them to help you to find the right coverage for you. Doing this may not only save your life but also protect you from spending large amounts of money on repairs when you could have just avoided them.

Tennessee Economic Data & Commercial Insurance Information

Made In Tennessee

If you're a entrepreneur, you need more than just a great products and services and a well-established business model to be a success; you also need to choose the right location for your organization. No matter how awesome your ideas are, if your business isn't located in a place where what you offer will provide value to consumers, you're going to struggle to succeed.

Whether you're thinking about setting up the headquarters of your organization or you're planning on opening a branch of your company in Tennessee, familiarizing yourself with the economic trends and the requirements for commercial insurance in the state is crucial for your success. Below, we offer insights regarding job growth and insurance coverage requirements in The Volunteer State.

Economic Trends For Small Business In Tennessee

In regard to job growth, the state of Tennessee is exceeds the rate of national job growth. As of February 2019, unemployment rates were at a historic low in The Volunteer State, with a rate of 3.2% throughout the state; 0.1% lower than the last historic low of 3.3% in October of 2018. That's lower than the national unemployment rate, which was reported to be 3.8% in February of 2019. Economists are forecasting continued job growth throughout the state into 2019.

In addition to positive job growth, the state of Tennessee offers other favorable conditions for entrepreneurs. No personal income tax and more training and education opportunities for the workforce are just some of the factors that make The Volunteer State a great place for business owners of both established companies and startups. While the entire state offers favorable conditions for businesses, the eastern and middle areas are considered the best to start a business; this includes big cities like Nashville and Knoxville; however, cities throughout the state are also offering great opportunities for business operations, such as Chattanooga, Memphis, Pigeon Forge, Alcoa, Lebanon, and Crossville.

Industries that are thriving in Tennessee include:

  • Agriculture
  • Construction
  • Healthcare
  • Information technology
  • Manufacturing
  • Technology, as a whole
Business Insurance Regulations & Limits In TN

The Tennessee Department of Commerce & Insurance regulates insurance in Tennessee. Just like any other state in the country, there are regulations in place regarding commercial insurance. Business owners are required to carry certain types of coverage to protect themselves, their clients, and their employees.

Small businesses with 5 or more employees are required by TN state law to have workers comp insurance coverage. That drops to 1 or more employees if they operate in the construction business or trades (construction service providers).

If you use certain types of motor vehicles for business-related purposes, you'll also need to invest in commercial auto insurance coverage to protect your drivers, as well as other drivers on the road.

Additional Resources For Commercial Auto Insurance

Learn about small business commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


Commercial Vehicle Insurance

The person injured in an vehicle accident may be a child, a wage earning single parent, a brain surgeon, or even a homeless person. The costs of the accident may be relatively small or run into the millions of dollars, depending on the victim and his or her injuries. Do you have the assets to handle such costs?

Trucking operations in this chapter are among the most heavily regulated in the country. All are subject to multiple types of regulation including municipal, state and federal. The regulations are necessary because potential for severe property damage and/or bodily injury is extremely high.

All carry cargo that if not handled appropriately could have serious consequences to the cargo owner and/or the public at large. Those that carry people must prove that they keep their equipment in good condition and that employees operate in a safe, sober manner.

The insurance company pays amounts an insured is legally obligated to pay as damages because of bodily injury or property damage and certain types of pollution events covered by this insurance caused by an accident and resulting from ownership, maintenance or use of covered vehicles.

The obligation to pay is triggered only by accidental occurrences involving vehicles covered under the Business Auto Coverage Form. An eligible pollution event is covered only if it is connected to a covered bodily injury or property damage loss.

It is important that you have the proper Limit of Insurance to protect your operations. This limit is the most the insurance company pays for the total of all damages, including any covered pollution cost or expense resulting from any one covered accident, is the Covered Auto liability limit of insurance on the declarations.

This limit applies regardless of the number of insureds, autos covered, vehicles involved in an accident, premium paid, or number of claims made.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Accounts Receivables, Computers, Motor Truck Cargo, Valuable Papers and Records, Employee Dishonesty, Money and Securities, General Liability, Employee Benefits, Umbrella, Motor Carriers Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Flood, Mobile Equipment, Signs, Warehouse Operators' Legal Liability, Cyber Liability, Employment-related Practices, Environmental Impairment, Underground Storage Tank, Stop Gap Liability and International Coverages.


Request a free Tennessee Bobtail Non-Trucking Liability insurance quote in Alcoa, Arlington, Athens, Atoka, Bartlett, Bloomingdale, Brentwood, Bristol, Brownsville, Chattanooga, Church Hill, Clarksville, Cleveland, Clinton, Collegedale, Collierville, Columbia, Cookeville, Covington, Crossville, Dayton, Dickson, Dyersburg, East Ridge, Elizabethton, Erwin, Fairfield Glade, Fairview, Farragut, Fayetteville, Franklin, Gallatin, Germantown, Goodlettsville, Green Hill, Greenbrier, Greeneville, Harriman, Harrison, Hartsville, Henderson, Hendersonville, Humboldt, Jackson, Jefferson City, Johnson City, Kingsport, Kingston, Knoxville, La Follette, La Vergne, Lakeland, Lawrenceburg, Lebanon, Lenoir City, Lewisburg, Lexington, Loudon, Lynchburg, Manchester, Martin, Maryville, McKenzie, McMinnville, Memphis, Middle Valley, Milan, Millersville, Millington, Morristown, Mount Juliet, Munford, Murfreesboro, Nashville-Davidson, Newport, Nolensville, Oak Ridge, Oakland, Paris, Pigeon Forge, Portland, Pulaski, Red Bank, Ripley, Savannah, Sevierville, Seymour, Shelbyville, Signal Mountain, Smyrna, Soddy-Daisy, South Cleveland, Spring Hill, Springfield, Sweetwater, Tellico Village, Tullahoma, Union City, White House, Winchester and all other cities in TN - The Volunteer State.

Also learn about Teneessee small business insurance requirements for general liability, business property, commercial auto & workers compensation including TN business insurance costs. Call us (901) 255-6544.

Bobtail Non-Trucking Liability Insurance
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