Industry Coverage

Virginia Contractor Vehicle Insurance

Your truck and the tools inside it are how you earn a living. We cover work trucks and vans for Virginia contractors and trades, with the equipment protection job sites demand.

Call (703) 551-2000

Get your free quote

Tell us about your operation and we'll follow up fast.

No obligation. We never sell your information. Privacy policy

Contractor Vehicle Insurance overview

Coverage for Contractor Trucks and Vans

Contractor vehicle insurance starts with commercial auto liability and physical damage for the trucks and vans your crews drive between job sites. That protects you on the road and keeps your vehicles working.

Just as important is what you carry. Adding tools and equipment coverage (an inland marine policy) protects the hand tools, power tools, ladders, and gear that travel in your vehicle and move onto the job site, against theft and damage. For most contractors, pairing commercial auto with a tools and equipment floater is the right combination.

  • Commercial auto liability for work trucks and vans
  • Physical damage (collision and comprehensive)
  • Tools and equipment (inland marine) coverage
  • Hired and non-owned auto for rented and employee vehicles

How Tools and Equipment Coverage Works

Your auto policy covers the vehicle, but not the thousands of dollars in tools inside it. Tools and equipment coverage, written as inland marine, fills that gap by protecting your gear whether it is in the truck, on the job site, or temporarily stored.

Coverage can extend to leased and rented equipment as well, which matters when a project calls for a piece of machinery you do not own. We help you set a limit that reflects the real replacement value of everything you carry.

Trades We Serve

We insure work vehicles across the building and service trades, including general contractors, remodelers, electricians, plumbers, HVAC technicians, landscapers, roofers, painters, and handymen.

Some trades have specific needs, so we also maintain dedicated pages for plumbing vehicles, HVAC vehicles, and landscaping vehicles. Whatever you do, we match your coverage to the vehicles and equipment your work requires.

How to Get a Contractor Vehicle Quote

Have your vehicle details (year, make, model, VIN), a sense of the tools and equipment value you carry, your driver information, and your service area ready.

Call (703) 551-2000 or request a quote online, and a licensed advisor will build a package that covers both your trucks and the tools that make them productive.

FAQ

Contractor Vehicle Insurance FAQs

Does contractor vehicle insurance cover tools and equipment?
The vehicle policy itself covers the truck or van and your liability on the road, but tools and equipment are typically protected by adding an inland marine (tools and equipment) coverage. That add-on covers the hand tools, power tools, ladders, and gear you carry against theft and damage, whether they are in the vehicle or at the job site. For contractors and trades, pairing commercial auto with a tools and equipment floater is usually the right combination.
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.
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.
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.
Explore More

Related coverage & locations

Get your Virginia commercial vehicle insurance quote today

Speak with a licensed Cascade advisor or request a quote online. Fast, no-obligation pricing.

Call (703) 551-2000Request a Quote