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Commercial Vehicles 

Tractor Trailer Insurance | Commercial Auto Insurance | BOPs

Commercial vehicle insurance is an important part of any business that has a fleet of vehiclesWhether you have a few hybrids for making it to meetings all across town, or 25 flatbeds for shipping heavy parcels in the tri-state area, it's absolutely integral to your financial stability that all of your vehicles be insured for collision, physical damage, and liability. 

Every vehicle you have on the road has the potential to end your business in the blink of an eye if not properly insured. All it takes is one distracted delivery guy with cut-rate auto insurance on his car to get your business sued.

Why Buy Commercial Auto Insurance?

Some might ask why buy commercial auto insurance protection instead of simply buying liability insurance on all vehicles. the answer is not as simple as the question unfortunately.

Deciding whether or not you should purchase commercial auto insurance―or if maybe your personal auto insurance will suffice―can be challenging.Ask yourself the following first, and then call us for a consultation:

 >How many vehicles need insurance?
 >What kind are they?
 >How will they be used?
 >Who will drive them?
 >Who owns them?

Most business-owned vehicles are going to require commercial coverage; including cars and trucks  used for deliveries and/or farming. If you are an employee and your job requires that you drive business vehicles, your employer must cover you as part of their plan unless otherwise stated.

Self-employed people and sole proprietors can get by with their personal policies if their primary commercial use of their vehicle is business trips.This is a tricky gray area however, and you should always check with an insurance agent or your local DMV before operating your business vehicle under the assumption that your personal auto insurance coverage will cover any and all damages that occur as a result of your driving.

If any of the following apply to your situation, the odds you'll need specialized commercial protection increases:

   >You can't remove your commercial equipment from your vehicles.
   >You allow your employees to use your vehicles for your business.
   >You can't find personal auto policies with high enough coverage limits.


Not all commercial insurance policies are created equal, so the best policy when it comes to insuring your commercial motor vehicles is to get all of your business vehicles on one commercial auto insurance policy. 

Our commercial auto insurance policies come with all around protection including liability, collision, and physical damage coverage all rolled into one with one low monthly premium. This type of commercial protection will have you covered no matter where your business takes you.

Also, ordinary auto insurance considers most people, 'ordinary' drivers- with personal cars, motorbikes, leisure boats and recreational vehicles , but doesn't offer much attention to the fact that lots of people are actually using their vehicles for business. If you drive a commercial vehicle (big rig, delivery truck, bus, etc.) you should be aware there are certain legal requirements for Virginia vehicle insurance that you must maintain. Commercial vehicles carry hazardous materials and precious cargo (like children), so the the minimum insurance requirements for them are much higher than other Virginia car insurance policies.

Specifics on Virginia Commercial Auto Insurance


The following are all of the ways that a business or vehicle owner can meet the state of Virginia's minimum commercial vehicle insurance requirements:

 >Purchase a vehicle liability policy that meets minimum requirements laid out at the official Virginia DMV page on commercial auto insurance.

 >Pay the $500 uninsured motor vehicle (UMV) fee with each annual registration renewal.
Self insure, or assume responsibility for all damages.*

 >Post a surety bonds.*

Note: options marked with a (*) are only available to vehicle owners and sole proprietors, and the UMV fee does not provide any type of auto insurance, it is simply a permission fee to assume your own responsibility.


Determine the Required Amount of Coverage

Once you've decided that your personal vehicle of fleet deserves commercial coverage, the next step is to answer the following questions with an insurance agent or DMV representative:

 >Who owns the vehicles
 >How much do each of them weigh
 >How is each vehicle used
   >what cargo does it usually carry
   >how much are the vehicle and any on-board equipment worth?
   >what special issues do vehicles of this type raise with respect to risk and insurance.\

Also keep in mind that all the while the state's minimum liability insurance requirements still apply to each vehicle:

 >$25,000 of bodily injury coverage for injuries or a death occurring to one person in an accident.
 >$50,000 of bodily injury coverage for injuries or deaths occurring to more than one person in an accident.
 >$20,000 of property damage coverage per accident.

If you still have any questions about the availability of coverage or the minimum requirements necessary you should contact the state department of motor vehicles who will explain detailed coverage requirements based on the type of vehicle and for what purpose it will be used for. Otherwise please feel free to call one of our helpful and informative auto insurance agents at 1-800-771-7758. We would gladly offer a free consultation to determine exactly how much insurance you need as well as who are the most affordable providers are for you.


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