Vehicle Protection

Business Auto Insurance

Your business vehicles are essential to your operations. Wright Risk Consultants offers comprehensive business auto insurance to protect your fleet, drivers, and cargo, ensuring your business stays on the move with confidence and security.

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Tailored Coverage

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Liability Protection

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Fast Claims Handling

Why It’s Critical

Cover Your Fleet

From delivery trucks to service vans, your vehicles face unique risks on the road. Business auto insurance provides essential protection against accidents, property damage, and liability claims. Wright Risk ensures your coverage fits your operations, keeping your vehicles and business protected.

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Comprehensive Fleet Coverage

We protect everything from vehicles and drivers to the cargo they carry. Our policies ensure your business stays operational, even after unexpected incidents, with minimal disruption.

Flexible Policy Options

Our customizable policies allow you to choose coverage levels and options that fit your operations, providing both affordability and robust protection for your business vehicles.

Common Questions

Auto Insurance FAQs

Business auto insurance can feel complex, but we’re here to simplify it. Below are answers to the most common questions, ensuring you feel confident and informed about protecting your fleet.

  • What does business auto insurance cover?

    Business auto insurance covers vehicles used for work-related purposes, providing protection for physical damage, liability claims, medical expenses, and uninsured motorists. Whether you own a single vehicle or a fleet, it shields your business from financial losses related to accidents or damages. Wright Risk tailors coverage to your needs, ensuring you have the right protection for your operations without unnecessary extras.

  • Is business auto insurance required in Tennessee?

    Yes, businesses operating vehicles in Tennessee are required to carry liability insurance. This includes coverage for bodily injury and property damage caused by your vehicles. Failing to meet state requirements can result in fines, license suspension, or legal penalties. Wright Risk ensures your policy meets or exceeds Tennessee’s legal standards, so you stay compliant and protected.

  • How is business auto insurance different from personal auto insurance?

    Business auto insurance provides coverage for vehicles used in work-related activities, which personal auto policies typically exclude. It includes higher liability limits, coverage for employee drivers, and protection for business-related risks, such as transporting goods. Wright Risk designs policies specifically for business use, ensuring you’re covered for the unique risks your vehicles face on the job.

  • Can I include employee-owned vehicles in my policy?

    Yes, non-owned auto coverage can be added to your policy, protecting your business from liability if employees use their personal vehicles for work purposes. Wright Risk helps you incorporate this option into your policy, ensuring comprehensive coverage for all vehicles involved in your operations, whether owned or not.

  • What factors affect the cost of business auto insurance?

    Costs depend on factors like the number of vehicles, vehicle types, usage, driver history, and coverage levels. High-mileage vehicles or those operating in high-risk industries may face higher premiums. At Wright Risk, we work to optimize your policy for cost-effectiveness, balancing premium affordability with comprehensive protection tailored to your business.

  • Can I bundle business auto insurance with other policies?

    Yes, bundling business auto insurance with other coverages, such as general liability or a business owner’s policy (BOP), often reduces costs and simplifies policy management. Wright Risk creates customized bundles to provide seamless protection for your operations, saving you time and money while ensuring robust coverage across all areas of your business.

  • How do I file a claim under business auto insurance?

    Filing a claim is straightforward with Wright Risk. Contact us immediately after an incident with details, including any photos or police reports. Our team will handle the process efficiently, liaising with insurers to ensure quick resolutions. We’re here to minimize disruptions and help you get your vehicles back on the road as quickly as possible.