Commercial Auto Insurance for Virginia Businesses

What’s Covered

A commercial auto policy typically includes:

• Liability Coverage – Pays for injuries or property damage if you're at fault in an accident.
• Collision Coverage – Helps cover repairs or replacement after a crash.
• Comprehensive Coverage – Covers damage from theft, fire, hail, vandalism, and more.
• Uninsured/Underinsured Motorist Coverage – Protects your business if someone hits you and doesn’t have enough coverage.
• Medical Payments – Covers injuries to your driver or passengers, regardless of fault.
   
  

Whether you’re driving a single work truck or managing a small fleet, we’ll help you get the right setup.

Who Needs It

If you use vehicles for business — even occasionally — personal auto insurance usually won’t cover accidents that happen while working. This includes:

• Vehicles titled to your business
• Employee use of company vehicles
• Transporting tools, equipment, or deliveries
• Client visits or off-site jobs



We’ll review your situation and let you know what’s required and what’s smart.

What Makes Us Different

As independent agents, we’ll shop multiple carriers and explain each option clearly — no guessing, no upselling. We’ll also make sure you have quick access to ID cards, certificates of insurance, and updates when things change.

Whether you’re driving across Central Virginia or sending trucks statewide, we’ve got you covered.

Get a Commercial Auto Quote

Tell us about your vehicles, and we’ll help you line up coverage that fits — with real support when you need it.