Business Auto · Virginia

Commercial auto insurance for the vehicles that keep you working.

Pickups, vans, service trucks and small fleets. Blue Ridge Insurance compares business auto coverage across several carriers for Central Virginia businesses, from one work truck to a full fleet.

Get a Business Auto QuoteCall (434) 212-3300
The Basics

Your personal auto policy probably won’t pay.

Personal auto policies commonly exclude or limit coverage for vehicles used mainly for business, titled to a business, or carrying tools, equipment and paying customers. If an accident happens on the job, that gap lands on you.

A business auto policy covers vehicles your company owns or leases, and can extend to employees driving their own cars on company errands. Higher liability limits are common because commercial accidents tend to bring larger claims.

Who usually needs it

  • Contractors and trades with work trucks
  • Delivery and service businesses
  • Vehicles titled to an LLC or corporation
  • Employees driving for work
  • Trailers and mounted equipment
What’s Covered

The parts of a business auto policy

Liability

Injuries and damage your drivers cause to others while using covered vehicles.

Physical damage

Collision and comprehensive for the vehicles themselves.

Uninsured motorist

Protection when the other driver has no insurance or too little.

Hired & non-owned auto

Rented vehicles and employees’ own cars used for business errands.

Medical payments

Medical bills for drivers and passengers after an accident.

Equipment & tools

Ask about inland marine coverage for tools carried in the vehicle.

Get a Quote

Start your business auto quote.

Tick Business Insurance in the form. Having VINs, driver names and dates of birth handy makes the quote faster.

  • One vehicle or a full fleet
  • Quoted alongside liability and workers’ comp
  • Shopped again at renewal
Common Questions

Business auto questions

I use my personal truck for work. Do I need business auto?
It depends on how you use it and how it’s titled. Some personal policies allow limited business use; many don’t. Tell us how the truck is used and we’ll tell you where you stand.
Are my employees covered when they drive their own cars for work?
Not automatically. Hired and non-owned auto coverage protects the business when that happens, and it’s usually inexpensive to add.
Are tools in my truck covered?
Usually not by the auto policy. Tools and equipment are typically covered by an inland marine or contractor’s equipment policy, which we can quote with it.
What liability limit should a business vehicle carry?
Many contracts require $1 million combined single limit. We’ll match what your contracts call for and add umbrella coverage if you need more.

Put your work vehicles on the right policy.

Send us your vehicle list and we’ll compare carriers.

Get a QuoteCall (434) 212-3300