Commercial Auto · Tennessee
Tennessee fleets, service vans, tow units and owner-operators.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Commercial auto has three parts bought together, and its coverage symbols decide which vehicles are actually covered; the limit is usually set by a contract, not by the client. Cennairus places it from a single titled vehicle to a full schedule: send the vehicles with their VINs, the drivers, the radius, what is hauled and the loss runs.
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The vehicles, the drivers and how far they run. That is enough to start.
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Our document reader has the business auto section of the application and the commercial auto state section mapped page by page against the official forms, with the applicant section alongside them. Expiring policies and loss runs are read the same way.
Vehicles and drivers become one schedule that is re-used, not retyped into each market’s own form, and the driver list goes out with the submission instead of arriving as a follow-up a week later. A spreadsheet fleet list is not an application form — a person here turns that one into a schedule first.
The liability limit against what the client’s contracts demand; hired and non-owned for staff running errands in their own cars; physical damage on the owned units; and, where the client runs under authority, whether the market will make the filings.
Your client, your renewal, your relationship. You keep your commission on the business we place for you, settled monthly.
The auto section of the application, the expiring policy and its declarations page, the loss runs, or the spreadsheet the client keeps the fleet on.
Year, make, model, VIN, cost new and garaging address on one side; the drivers with license numbers, dates of birth and current motor vehicle records on the other; radius and what is hauled recorded with them.
A licensed broker takes it to the appointed markets with appetite for that radius, that load and that driver list, and comes back with a quote, an underwriting review, or a decline.
Who buys it: trucking, delivery and courier operations; contractors with service vans and pickup fleets; any business with even one titled company vehicle; businesses whose staff drive personal cars for work; moving and hauling companies; landscaping, HVAC, plumbing and other route-based trades. A single company car is still a commercial exposure the moment it is titled to the business or driven for work — personal auto policies exclude business use.
The van that leaves at six, the driver who has been there nine years, and the new hire whose record nobody has pulled yet — that is what this line is underwriting.
Yes. Tennessee is one of the states we work. Send the account and it is measured against every market with appetite for it in Tennessee.
A vehicle schedule with year, make, model, VIN and stated value, and a driver list with license numbers and dates of hire. Radius, what is hauled and loss runs complete it. An expiring declarations page usually carries most of that already.
From a single titled vehicle to a full schedule. Below a handful of units the auto usually rides with the rest of the client’s account; above that it is underwritten on its own, and the market set changes with it.
Yes, as an assisted placement. Trucking is its own underwriting conversation — radius, commodity, filings and the driver list decide it rather than the truck count. Send the schedule and we will tell you what we can find, including when the answer is no.
Disclose it. One bad record on a small schedule moves the whole account, and an undisclosed driver moves the claim. Where a driver is the obstacle, an exclusion or a higher deductible is often a better outcome than an unplaced submission.
Yes. The auto schedule and limits carry straight into an excess submission, so the layer above the fleet is worked from the same file rather than built again from scratch.
You keep your commission on business we place for you, reconciled and settled monthly. Your terms are in your agency agreement, not on this page.
Vehicles, drivers, radius and whatever the client hauls. We will work it and come back with terms.
