Memphis Commercial Auto Insurance

Memphis Commercial Vehicle Insurance with a Big Difference

Whether you simply use your own personal vehicle occasionally for your Memphis business or your firm owns an entire fleet of vans and trucks -- or anything in between -- commercial auto insurance is an essential part of your financial protection strategy.

In fact, a basic level of commercial vehicle liability coverage is a legal requirement in Memphis. But in most cases, it's highly unlikely to provide the full protection you need.

It's wiser to count on the guidance and local expertise of Lofton Wells Insurance to customize a Memphis commercial auto insurance policy that's right for your business and competitively priced.

Understanding Commercial Vehicle Insurance in Memphis

Good Memphis business auto insurance should be designed to do three things:

  1. Protect you against liability costs of damage and injury your vehicles cause to others (that's the mandatory bit).
  2. Protect you against the costs of damage or loss of your own vehicles and their contents.
  3. Cover costs for injury and medical treatment for your drivers and passengers no matter who caused the accident.

Several different types of insurance policy and optional extras may be required for the protection you need. If you don't have the right coverage, it could cost your business a significant amount. Which is why we're here to help.

Lofton Wells Insurance Custom Memphis Commercial Auto Insurance Program

By working with Lofton Wells Insurance, an independent agent with vast local knowledge and commercial vehicle insurance expertise, you'll get the right protection at the right price. And you won’t pay for coverage you don’t need.

We tailor each policy, at no extra cost, for our Memphis clients, depending on your type of business, your protection priorities and your budget.

Options include:

  • Memphis commercial auto liability coverage that's right for the risks you face.
  • Medical coverage for your driver and passengers no matter who's to blame in an accident
  • Collision coverage for damage to your vehicle in an accident.
  • Memphis comprehensive auto insurance for damage, loss, theft, vandalism and other perils beyond auto accidents.
  • Uninsured driver coverage to protect against injury costs from an accident caused by someone without or with insufficient insurance, or after a hit-and-run.
  • Non-owned vehicle insurance, for rentals or for you or employees using their own personal autos for business purposes.

Our Memphis commercial vehicle insurance program includes provision of replacement vehicles while yours is off the road.

But we can also advise and help if you have other special requirements such as insuring of cargo, tools and equipment in transit; loaning of vehicles for non-employee use; special purpose vehicles such as those used to promote your business and events; roadside assistance and towing; and larger trailers (not all are covered in a standard policy).

You may also find that you need higher levels of coverage for a client or contract. We can arrange that both as one-off or a policy endorsement.

Save Money on Your Memphis Commercial Auto Coverage

When you insure through Lofton Wells Insurance, you gain the benefits of our knowledge and insurance industry contacts that could make significant savings. For example:

  • We're an independent agency dealing with all the major insurers, so we know who's offering the best coverage deals in Memphis at any one time.
  • Your unit insurance costs will likely drop the more vehicles you insure.
  • You may be entitled to discounts for higher deductibles, low past claims history, safe driving record, high security provisions, multiple policies and more. We'll explore every option for you.
  • If you have to file a claim, our advocacy support team will work to ensure you get the best payment.

Save Time as Well!

When you buy your Memphis business vehicles coverage through Lofton Wells Insurance, we'll save you the time and hassle of shopping around and we're here on your doorstep to help you with a claim.

We'd like to tell you more, but why not just contact us by filling out the form below for a fast, no-cost, no-commitment quote? It's in your interests to act now!