How is commercial auto insurance different from personal auto insurance?

Commercial policies provide higher liability limits, cover business use, include hired and non-owned auto, and offer specialized coverages like cargo insurance. Personal policies exclude business use and won't cover commercial claims.

Do I need commercial auto insurance if I only use my vehicle occasionally for business?

Yes. If you use your vehicle for business purposes, such as transporting goods, equipment, or people for business, you need commercial coverage. Personal auto policies exclude business use.

What if my employees drive their personal vehicles for work errands?

You need Hired and Non-Owned Auto coverage. If an employee causes an accident while on company business, your business can be sued even though they were driving their own vehicle.

How much does commercial auto insurance cost?

Premiums vary widely based on vehicles, drivers, use, location, and coverage. A single service van might cost $1,200-$3,000 annually for $1M CSL. NEMT vehicles typically run $4,000-$8,000+ annually due to higher passenger liability exposure. Contact us for accurate quotes.

Can I get coverage if I have violations or accidents on my record?

Yes. While violations and accidents affect pricing, we work with carriers that accept less-than-perfect driving records. We'll find you coverage options.

What are the liability requirements for interstate trucking?

The Federal Motor Carrier Safety Administration (FMCSA) requires $750,000-$5,000,000 depending on cargo type and weight. Most general freight requires $1,000,000 minimum.

Do I need cargo insurance?

If you transport goods for others, yes. Motor Truck Cargo coverage protects customer goods in your care. Most shippers and brokers require proof of cargo coverage.

What happens if I let my commercial auto policy lapse?

Serious consequences can result, including fines, license suspension, impounded vehicles, inability to operate legally, and much higher premiums when reinstating coverage. Never let coverage lapse.

How quickly can I get coverage?

Most commercial auto quotes are completed within 24-48 hours. Coverage can often be bound same-day once underwriting is approved.

Virginia Workers' Comp Insurance

Workers’ Comp Insurance – Virginia

Commercial Auto

Professional Liability

Workers Compensation

General Liability

Vacant Property

Workers' Compensation Insurance in Virginia

Running a business in Virginia means understanding the Commonwealth's specific workers' compensation rules — and making sure your coverage keeps you compliant. Trans-Atlantic Commercial Insurance has spent over 35 years helping Virginia business owners get the right workers' comp coverage at the right price, from small contracting crews to established regional employers.

Call 703-674-0299 or request a free quote below to get started.

Get a Free Virginia Workers' Comp Quote

Does My Virginia Business Need Workers' Comp Insurance?

In Virginia, coverage is required for any business with more than two employees, whether full-time, part-time, or seasonal. This includes:

Part-time and seasonal workers
Minors and trainees
Working family members
Subcontractors, in many cases — if you regularly hire subcontractors and the combined headcount of your employees and theirs is three or more, you may be required to carry coverage for them too, even if they claim to have their own policy

how-to-get-workers-compensation-insurance-north-carolina

Sole proprietors with no employees are generally not required to carry coverage, though many choose to purchase it voluntarily for their own protection.

Not sure if your business meets the threshold? Our licensed Virginia agents can review your specific situation and tell you exactly what's required — no obligation.

What Happens If You Don't Carry Required Coverage?

The Virginia Workers' Compensation Commission takes non-compliance seriously. Employers who fail to carry required coverage can face:

A civil penalty of up to $250 for each day uninsured, up to a maximum of $50,000
Personal liability for an injured employee's compensation
An order prohibiting the business from operating
Potential criminal prosecution for continued non-compliance

Beyond the legal exposure, an uninsured claim can be financially devastating — medical costs and lost wages for a single serious injury can easily exceed six figures.

What Does Virginia Workers' Comp Cover?

A Virginia workers' compensation policy covers:

Medical expenses related to a work injury or occupational illness
A portion of lost wages during recovery
Disability benefits for temporary or permanent injuries
Death benefits for dependents in the event of a fatal workplace accident
Employer's liability protection, shielding your business from most employee lawsuits related to workplace injuries

Employees generally have two years from the date of injury to file a claim in Virginia, and there's no extension if an injury or illness is discovered later — which makes accurate, ongoing coverage essential.

Workers' Comp for Virginia Contractors and Subcontractors

If you're a contractor bidding on state or local government construction projects in Virginia, current procurement rules require proof of active workers' compensation coverage before a contract can be awarded, and subcontractors must maintain their own coverage for the life of the project. We regularly help Virginia contractors:

Get certificates of insurance quickly for bid deadlines
Verify subcontractor coverage to avoid unexpected liability
Structure coverage across multiple job sites and crews

Industries We Cover in Virginia

General contractors and specialty trades
Trucking and transportation
Healthcare practices
Professional services firms

Non-profits
Manufacturing and warehousing
Medical Offices

Law Offices
Retail Operations
And More!

Why Work With Trans-Atlantic for Virginia Workers' Comp

35+ years of experience helping business owners navigate commercial insurance
Licensed broker access to multiple top-rated carriers, so you're not limited to a single insurer's rates
Local, personal service — you'll work directly with a licensed agent who understands Virginia's specific requirements
Fast certificates of insurance for bid deadlines and contract requirements

In my capacity as a small business owner and in my capacity as a senior official associated with nonprofits, Rodney Thompson (TransAtlantic Commercial Insurance) has served me and these organizations brilliantly.
I have only kudos to share.

Sharon Pratt

First I would like to thank Mr. Mr.Thompson for all the help and great assistance he provided. I highly recommend Mr. Thompson to be your insurance agent. We all know how hard it is to find good agents in the trucking industry. Trans - Atlantic is the place to go. Everything was done professionally, and by the book, no corners cut. It's assuring working with Mr. Thompson that you can feel confident knowing your business insurance needs are being correctly taken care of.

If you're looking to insure your company, i highly recommend you give Mr. Thompson a call. Thanks QCL.

Quinten Coker

Trans-Atlantic Insurance will go above and beyond the Call of Duty to ensure Owner-Operators receives the best possible rates. Mr. Rodney, JDIA Enterprise, Inc and my family, we are grateful to you for saving us a bundle on insurance rates...Thanks again.

Willie Spicer

I don't normally leave comments but Mr. Thompson is a rare breed these days. This was the best experience I have had with any agent! Mr. Thompson is extremely knowledgeable, professional and very courteous. I truly appreciated the prompt responses to my questions and delivering on his promises. Mr. Thompson you have gained a satisfied and loyal customer . If you read this thank you for your patience.

Tina H

What Clients Say

Frequently Asked Questions

How many employees before I need workers' comp in Virginia?

Do 1099 contractors count toward my employee total?

How much does workers' comp insurance cost in Virginia?

How fast can I get a certificate of insurance?

Get Your Virginia Workers' Comp Quote Today

Protecting your employees and your business starts with the right coverage. Contact Trans-Atlantic Commercial Insurance today for a free workers' compensation quote tailored to your Virginia business.

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