Call Us 931-967-2268

Email Us

Job Opportunities

Providing Commercial Coverage You Can Depend On

V. R. Williams & Company is in the business of keeping your business protected. Located in Winchester, TN, and serving Middle TN, our skilled team provides personalized business insurance plans. No matter how large or small your business is, your assets, property, and inventory must stay protected, giving you peace of mind.

Our team goes the extra mile to create commercial insurance plans made for you. We will review critical information about your business and determine what coverage(s) fits your company’s needs. Our agents and advisors are skilled, licensed, and knowledgeable, ensuring that your company receives expert advice.

Our Commercial Insurance Options

V. R. Williams and Company offers a wide range of commercial insurance options. Contact us to learn more about our various options, including, but not limited to:

  • Property
  • Municipalities
  • Liability
  • Medical Malpractice
  • Umbrella Liability
  • Errors and Omissions
  • Commercial Auto and Fleets
  • Cyber Liability
  • Crime
  • Automotive Service Based
  • Security & Privacy
  • Contractors Equipment
  • Employee Dishonesty
  • Risk Management/Assessment
  • Financial Institution Bond
  • Business Interruption
  • Workers Compensation
  • Pilot Car Insurance 
  • Hotshot / Carrier Services 
  • Restaurant / Hospitality 
More Here
  • Property
  • Municipalities
  • Liability
  • Medical Malpractice
  • Umbrella Liability
  • Errors and Omissions
  • Commercial Auto and Fleets
  • Cyber Liability
  • Crime
  • Security & Privacy
  • Contractors Equipment
  • Employee Dishonesty
  • Ordinance or Law
  • Risk Management/Assessment
  • Financial Institution Bond
  • Business Interruption
  • Workers Compensation
  • Pilot Car Insurance 
  • Hotshot / Carrier Services 
  • Restaurant / Hospitality 
  • Automotive Service Based 
V.R. Williams & Company offers an array of services!

Pilot Car & Escort Driver Business Insurance

Without proper pilot car/escort driver insurance, any involved incident can put the operator and company at risk of financial ruin. Working with our skilled team of insurance agents, we will find the best coverage to protect you from these incidents. We aim to protect pilot/ escort drivers, vehicles, and companies with the best coverage and customer service possible. Visit our website for Pilot Car and Escort Drivers.

Frequently Asked Questions

What type(s) of business Insurance do I need?

Every business is unique, highlighting the importance of analyzing the specific risk exposures tied to your industry. By pinpointing these risks, you can tailor the necessary insurance policies to ensure comprehensive coverage. Generally, businesses require general liability, commercial property insurance (for owned buildings), business personal property coverage for equipment and furniture, and worker’s compensation if employees are present. Additional coverage options like inland marine, cyber liability, and professional liability can be considered to address any potential coverage gaps. Consulting with an agent is recommended to assess the insurance needs of your business effectively.

I put my company logo and contact info on my truck, do I need commercial auto insurance?

While a personal auto policy may cover some business activities, as soon as you display signs on your vehicle, you will have to switch to a commercial auto policy. Once on a commercial auto policy, you can choose personal and business use for the vehicle, but you must include all drivers of the vehicle in the policy or be the only driver of the vehicle.

What does general liability insurance cover?

General liability insurance provides coverage for business entities to protect them from liability claims due to bodily injury and property damage that may occur on their premises or as a result of their operations. It also covers personal injury and other potential losses that may arise from business activities.

What is a business owner’s policy?

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for small to medium-sized businesses. It offers a combination of liability, business interruption, and commercial property coverage.

Our company sells products online and keeps client information on a private server. Are there coverage options available for data breaches?

Every year, there are more and more online businesses launching, and it has created a unique set of risk exposures such as data breaches, destruction of critical data, and identity theft. Insurance carriers are now offering cyber liability insurance that extends coverage for these types of exposures. Much like general liability, cyber liability is becoming a new standard for any business with an online presence. If you would like to learn more about this valuable coverage option, contact us today.

What is business income coverage?

Business income insurance, also known as business interruption insurance, provides financial protection for the loss of income when you are unable to operate your business due to a covered event. These events can include fire, theft, or wind damage. For instance, if your restaurant’s kitchen experiences a fire and you have to temporarily close to make repairs, this insurance can help compensate for the income and expenses you would have earned during that period.

What is coinsurance in property insurance?

In commercial property insurance, there is a concept called coinsurance that mandates policyholders to insure a minimum percentage of the property’s value to ensure full coverage for claims. Typically, insurers expect 80% of the property’s value to be covered, although the specific percentage may vary depending on the insurer and the property being insured.

Want to learn more about our pilot car insurance plans?
Business Address
V. R. Williams & Company
1784 Sharp Springs Rd
Winchester, TN, 37398

Contact Us

Phone: 931-967-2268
Fax: 931-967-1128
Email: info@vrwilliams.com

Business Hours

Monday-Friday: 8 AM- 5 PM
Social Media

A Division of Patriot Growth Insurance Services, LLC