Coverage Type

Virginia Commercial Fleet Insurance

Once you run two or more trucks or vans, a fleet policy simplifies coverage and can lower your cost. We insure mixed fleets of dump trucks, work vans, and trailers across Virginia.

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Commercial Fleet Insurance overview

How Commercial Fleet Coverage Works

A fleet policy brings all of your vehicles under a single program instead of separate policies for each unit. That means one renewal date, one place to add or remove vehicles, and coverage that scales as your operation grows.

Fleet policies carry the same core coverages as individual commercial auto policies, including liability, physical damage, and hired and non-owned auto, but they are structured to handle multiple vehicles and drivers efficiently. We write fleets of every mix, from a pair of work trucks to combinations of dump trucks, service vans, and trailers.

  • Combined commercial auto liability across all units
  • Physical damage for owned trucks, vans, and trailers
  • Hired and non-owned auto for rented and employee vehicles
  • Easy mid-term vehicle and driver changes

Fleet Pricing and Discounts

Insuring vehicles together often prices better than covering each one separately, and carriers reward operations that manage risk well. A clean loss history, driver screening, and a documented safety program can all improve your rates.

Larger fleets may also be evaluated on an experience-rating basis, where your own loss record directly shapes your premium. As an independent agency, we shop your fleet across multiple carriers and help you build the practices that earn the best pricing over time.

Managing Fleet Risk and Telematics

Telematics and dash-cam programs give fleet owners visibility into how their vehicles are driven and can reduce premiums with carriers that offer usage-based discounts. They also help you coach drivers and defend against fraudulent claims.

We help you weigh these programs against your operation and connect the safety steps you take to the rates you pay. Our commercial fleet insurance guide goes deeper on lowering fleet costs.

How to Get a Fleet Insurance Quote

To quote a fleet, we need a schedule of your vehicles (year, make, model, VIN, and use), your driver list with license details, your radius of operation, and your prior insurance and loss history.

Call (703) 551-2000 or request a quote online, and a licensed advisor will assemble a program that covers your whole operation under one policy.

FAQ

Commercial Fleet Insurance FAQs

Are there discounts for insuring a commercial fleet?
Combining vehicles on a fleet policy often produces better pricing than insuring each unit separately, and many carriers reward strong safety records, clean loss history, and driver screening programs. Telematics and dash-cam programs can further reduce premiums for operators who use them. As an independent agency, we shop your fleet across carriers and help you put the risk-management practices in place that earn the best rates.
Can I insure multiple trucks on one policy?
Yes. Once you operate two or more vehicles, a commercial fleet policy lets you cover them under a single program rather than juggling separate policies. Fleet policies simplify administration, can unlock multi-vehicle pricing, and make it easy to add or remove units as your operation changes. We write fleets of every size, from a pair of work trucks to mixed fleets of dump trucks, vans, and trailers.
How much does commercial truck insurance cost in Virginia?
Premiums depend on your vehicle type and weight class, your radius of operation, the limits you carry, your loss history, and the driving records of everyone behind the wheel. A local contractor van running short routes around Fairfax will price very differently from a tri-axle dump truck hauling long-haul or a tow operator on call statewide. Because we are an independent agency, we compare options across multiple carriers to find the right fit rather than quoting a single rate. Call (703) 551-2000 and we can talk through the factors that apply to your operation.
What commercial vehicle insurance is required in Virginia?
Virginia requires liability coverage on every registered vehicle, and as of January 1, 2025 the state minimum is 50/100/25 ($50,000 bodily injury per person, $100,000 per accident, $25,000 property damage). Commercial operators almost always carry substantially higher limits, and motor carriers hauling for hire or operating in interstate commerce often need federal filings such as the MCS-90 endorsement and FMCSA authority. The right limits depend on your vehicle weight, cargo, and where you operate. Our licensed advisors can confirm exactly what your operation needs.
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