Great Coverage. Amazing Prices.
Unbeatable Services.

Auto, General Liability, Equipment & Tool Coverage, and More

When you work with our team of experienced agents, you’ll receive an unparalleled level of customer service, because your peace of mind is our # 1 priority. We offer the coverage you need at a price you’ll love.

Our Policies

Whether you need commercial auto insurance or general liability, we will work to find the best coverage for your needs. Our staff is here to make sure you’re protected, no matter what.

Jump to one of the following sections:

Commercial Automobile $
General Liability $
Professional Liability $
Equipment & Tools $
commercial autmobile insurance, Winchester TN

Commercial Automobile

Commercial insurance is a must for any business operation. The team at Pilot Car Insurance offers limits up to $1,000,000 in bodily injury and property damage coverage, as well as personal injury protection (when required), medical payments, and uninsured motorist coverages.

Our job is to protect you, any passengers, and the general public in case of accident or injury. To protect your vehicle, we also offer collision coverages. We provide our commercial automobile coverage on a monoline basis.

general liability insurance, Winchester TN

General Liability

To protect you against injuries to members of the public on the premises of your business, or any damages that you cause to another’s property (not involving an automobile), there’s general liability coverage.

We offer limits up to $1,000,000 per each occurrence for losses that occur during the policy term. We provide general liability coverage on a monoline basis.

professional liability insurance, Winchester TN

Professional Liability

Many activities are typically excluded under general liability because they are considered to be a professional exposure. These activities are covered under our professional liability policies.

We offer limits up to $1,000,000 in coverage for flagging, height pole, route surveys, and shunning services (subject to certain qualifications).

equipment breakdown insurance, Winchester TN

Equipment & Tools

When equipment such as small tools, magnetic vehicle signage, flags, cones, and more need coverage, we offer equipment and tool coverage. Pilot Car Insurance provides $1,000, $2,500, and $5,000 limits of coverage depending on your needs. Higher limits are available upon request!

The policy coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. Coverages for this endorsement vary by state and by insurance company. Please contact the Pilot Car Insurance Program for additional information.

For more information about coverage, check out our newsletter and contact us at 931-313-5519!

Pilot Car Insurance | A Division of V. R. Williams & Company

A Division of Patriot Growth Insurance Services, LLC


Pilot Car Insurance
1784 Sharp Springs Rd
Winchester, TN 37398
Get Directions


Pilot Car Insurance
PO Box 458
Winchester, TN 37398

Phone: 931-313-5519
Fax: 931-967-1128


Monday – Friday:
8:00 AM – 5:00 PM
Saturday – Sunday:


V. R. Williams & Company supports, through charitable donations, and is a member of:
SecureRisk Insurance Solutions, partner agency, Winchester TN
Franklin County Chamber of Commerce, member company, Winchester TN
Insurors of Tennessee, partner agency, Winchester TN
Special Forces Charitable Trust, partner, Winchester TN