Business Auto Insurance in Virginia and North Carolina

Whether you rely on a single delivery van or an entire fleet of heavy-duty trucks, your vehicles are the lifeblood of your business. But the moment your employees hit the road, they, and your company’s bottom line, are exposed to significant liability.

At Cothran Schoonover Insurance, we understand that a standard personal auto policy won’t cover vehicles used for business. Our dedicated Commercial Division specializes in keeping businesses moving across Virginia and North Carolina. We don’t just write policies; we actively partner with you to manage your risk on the road so you can focus on serving your customers.

Proactive Fleet & Driver Management

Managing a growing business means constantly adding new vehicles or changing drivers. Keeping track of who is insured can be a logistical nightmare. This is where our agency truly shines. As a service to our commercial auto clients, we offer proactive fleet management support. Whether you need it weekly, monthly, or quarterly, we can generate and send you a complete, up-to-date schedule of all your insured vehicles and approved drivers. This ensures no vehicle is left unprotected and no unauthorized driver puts your business at risk.

Strategic Coverage Designed for Businesses

A minor fender bender shouldn’t result in a major lawsuit. Our independent Account Managers will review your daily operations and shop our network of top-rated carriers to build a robust safety net tailored to your needs:

  • High-Limit Liability Coverage: While some policies split liability into confusing “per person” and “per accident” limits, we highly recommend protecting your business with a Combined Single Limit (CSL), such as $1,000,000. This provides a massive, shared pool of coverage for both bodily injury and property damage, offering superior protection against catastrophic lawsuits if your driver is at fault.
  • Hired and Non-Owned Auto (HNOA): This is one of the most overlooked risks for small businesses. If you rent vehicles in the company name or an employee runs to the bank, the post office, or picks up lunch for the office using their own personal car, your business can be sued if they cause an accident. We can add this vital coverage to protect your company from the liability of vehicles you use but don’t officially own.
  • Uninsured/Underinsured Motorist (UM/UIM): You can’t control the other drivers on the road. If one of your employees is hit by a driver who has no insurance, or not enough insurance to cover the medical bills, this coverage ensures your team and your vehicles are still protected.
  • Physical Damage (Collision and Comprehensive): We protect your investment in your fleet. Collision coverage pays to repair or replace your vehicle after an accident, while Comprehensive coverage protects against theft, vandalism, fire, fallen trees, and severe weather.
  • Medical Payments: A specialized coverage that quickly pays for relatively minor medical costs for you and your passengers after an accident, regardless of who was at fault, helping to prevent minor injuries from turning into contentious, costly claims.

The Cothran Schoonover Advantage

Road vehicles are often the biggest source of liability for a business. Don’t leave your protection to chance or a generic online quote. Work with local, licensed experts who understand the traffic, the laws, and the unique risks of operating in our region.

Get a Quote on Your Business Auto Insurance Today

Protect your fleet with confidence. Contact Cothran Schoonover Insurance today for a fast, free business auto insurance quote. Let our dedicated team help you find the best protection.

Find Local Commercial Auto Insurance Near You

We provide tailored commercial auto and fleet insurance for businesses in Lynchburg, Danville, Winston-Salem, and communities throughout the Piedmont Triad, Southside, and Central Virginia. Choose your local office: