Commercial Auto Insurance

Drive down risk with the auto coverage your small business needs.

Whenever a vehicle is used for business purposes, the liability risks increase. A Virginia Farm Bureau commercial auto insurance policy provides extended coverage for damages or medical expenses caused by company vehicles. Plus, it can be tailored to cover whoever is driving, including your employees. Ask your agent for a free business auto quote—and see how inexpensive tailored coverage can be.

Get a competitive rate with competitive rewards.

We offer extremely competitive commercial auto rates and never charge you for a certificate of insurance. Find out how affordable this critical coverage can be.

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Why do I need a commercial auto policy?

Personal auto policies simply don't cover commercial vehicles used for work. Let’s say a plumber takes out a commercial auto policy for his small business. One of his employees runs a stop sign while driving the company van to a job—and crashes into a car, seriously injuring the other driver. The policy kicks in to pay for hospital and medical bills for the other driver, repair the other car as well as the company van, and protect the plumbing business from liability charges that would hurt profitability. A personal auto policy, on the other hand, wouldn’t even provide coverage in this accident.

If you or your employees ever use a vehicle of any kind to conduct business, then a commercial auto policy is for you. Businesses that benefit from a commercial auto policy include:


Contractors and construction businesses require lots of moving pieces. Get coverage for construction vehicles, site vehicles, trailers, dump trucks, plumbing and electrical vans, and more. A policy also covers damage caused by these vehicles.

Seasonal Snow Plow Businesses

With Farm Bureau, snow plow insurance is simple. Your vehicle receives additional protection for its winter plowing job with commercial auto coverage. So, if your plow strikes a parked car, commercial auto will cover the damage.


Janitors and house cleaning services are always moving from site to site. A business auto policy will make sure your vehicles are protected so your business stays in the clear.


Church vans, buses, and other transportation need their own commercial policy even if the vehicles themselves are donated. When there’s a youth group full of teens on board, liability protection and medical expenses coverage is a must.

Food Distributors

Food distributors, including bread & snack cakes, depend on specialty vehicles. Make sure they’re covered, then talk to your agent about a commercial contractors insurance policy to protect movable equipment and products.

Service Companies

Commercial auto policies can cover a whole fleet of vehicles. This could be company cars owned by HVAC, electrical, plumbing, or other service companies. You can also add an endorsement to protect your company if employees are using their own vehicles for your business.

Why do I need a commercial auto policy instead of personal auto policy?

If you have a fleet of cars or trucks, commercial auto is a given. But what about your personal car that you also use for your business? If you’re wondering whether you need a commercial policy, ask yourself these questions:


How is the Vehicle Being Used?

Its use determines both rating and eligibility. In other words, any car or truck—regardless of its title—used in a business can be a liability risk and needs protection.


Who will drive the vehicle?

All drivers must be listed on the application for a commercial policy. A review of their motor vehicles records is required for eligibility.


Why not just add an endorsement on a personal auto policy?

Because it's more expensive than a commercial auto policy! Also, your role in a business is important here. Personal vehicles can be listed as “Business Use” if they are driven by you as part of your job as someone else’s employee. But if you’re both the business owner and the one driving the personal vehicle, you must have a commercial auto policy.

What does a commercial auto policy cover?

A commercial auto policy comes with a wide range of coverages. Some work the same way as a personal auto policy, but with extended scope, while others are unique to a commercial policy.


This includes protection against bodily injury, property damage, or uninsured motorists. If your work vehicle is at fault in an accident, this coverage makes sure your business doesn't absorb the cost.

Collision Coverage

This picks up where liability insurance leaves off—it covers your own vehicle when you cause an accident or hit a stationary object. This coverage is especially important if you drive a newer model car or carry an auto loan.

Other Than Collision Coverage

Sometimes called comprehensive coverage, this option covers damage to your car not caused by a collision. It takes care of issues like fire, theft, vandalism, glass breakage, weather-related damage, and deer that come out of nowhere.

Medical Expenses

If anyone is injured while using your business' vehicle, their medical expenses could be covered with your commercial policy. This can offset your health insurance deductible and pay out for your passengers’ injuries if necessary. It’s also an added buffer if you’re liable in an accident that causes serious injuries.

Rental Reimbursement

Customers don't like to wait on your car. If your vehicle suffers damage that’s covered under your policy, your rental expenses can be covered up to a specified amount while your car is being repaired or replaced. A rental lets you get back to work before your car can.

Towing & Labor/Roadside Assistance

If you get stuck on the road, our 24/7 Roadside Assistance can come to the rescue. It covers towing assistance, lockout service, tire changes, emergency supplies like gas, and more. Just call the helpline and we'll handle the rest.

What if I need additional protection or endorsement options?

The type of auto coverage you need varies widely depending on company size, the kind of travel, vehicle type, and more. Let an experienced Virginia Farm Bureau Insurance agent make sure you have all the coverage you need—without anything you don’t.

  • VA Individual Named Insured Endorsement
  • Newly Acquired Autos
  • Uninsured Motorist Coverage
  • Temporary Substitute Coverage
  • Rented Autos
  • Drive Other Car Coverage
  • Rental Reimbursement
  • Towing and Labor
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Your business may need these related products.

Commercial Umbrella

Commercial Umbrella

This coverage goes above and beyond. If your construction or service contracts require more coverage than available through a general business liability policy, an umbrella policy increases your limits to continue business.


Businessowners Policy

Bundle your business coverage for your property, business liability insurance, and more. A BOP streamlines multiple coverages into one policy and is usually less expensive than separate policies.

Contractors Insurance

Commercial Contractors Insurance

Companies and contractors on the go need more than liability coverage for their mobile equipment. This policy makes sure your mobile equipment and property is covered, no matter where work takes you.

General Liability Insurance

General Liability

Every time your business opens its doors, you’re open to risk. Make sure your business is prepared to handle expensive lawsuits and potential judgments.

Commercial Property Insurance

Commercial Property

Protect your office space, garage, or storage shed from damage or theft. This also protects the valuable equipment that runs your business, from computers to tools to machines.

Reduce your risk on the road.

An affordable commercial auto policy can save your business money in the long run. We’ll help you find coverage that’s tailored to your industry’s needs.

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