What Commercial Auto Insurance Requirements Apply in Virginia?

Virginia intrastate motor-carrier liability filings depend on vehicle GVWR: $300,000 above 7,500 through 10,000 pounds and $750,000 above 10,000 pounds, with separate limits for lighter vehicles and household-goods carriers. Household-goods carriers with a certificate of fitness have a $750,000 floor regardless of the general weight schedule and must file $50,000 cargo insurance for intrastate commerce.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Virginia Commercial Auto Insurance Requirements

Requirement	Details
Intrastate motor-carrier public-liability financial responsibility	GVWR >10,000 lb: $750,000; >7,500 through 10,000 lb: $300,000; lighter vehicles: statutory tier depends on carrier coverage period ^1,²
Household-goods carrier holding certificate of fitness	$750,000 public liability, notwithstanding the general weight schedule ¹
Intrastate motor-carrier cargo filing	$50,000; cargo filing not required for carriers outside household goods or carriers solely using passenger cars, motorcycles, autocycles, or vehicles at or below 7,500 lb GVWR ¹

What Should You Watch for With Commercial Auto Insurance in Virginia?

Class Each Carrier Vehicle By GVWR
Virginia’s intrastate carrier schedule uses GVWR, with a $300,000 tier above 7,500 through 10,000 pounds and $750,000 above 10,000 pounds. Give the broker each unit’s manufacturer GVWR so a registration weight or actual load is not substituted for the statutory measure. ¹
Household-Goods Authority Has A Separate Floor
A household-goods carrier required to obtain a certificate of fitness has a $750,000 minimum even where the general intrastate table would place a vehicle in a lower tier. The statute also requires $50,000 cargo insurance for intrastate operations; confirm both filings appear under the carrier’s authority name. ¹
Map The Coverage Window For An Exempt Carrier
A carrier exempt under §46.2-2101(6) has a narrower time-based rule: required primary coverage applies while available to transport property for compensation and from accepting the request through delivery. Ask the broker to identify whether your authority falls within that exception and how the policy treats each leg of the job. ¹
Do Not Assume A Driver’s Personal Policy Covers Carrier Work
For the §46.2-2101(6) carrier category, Virginia law says a personal auto policy does not have to cover activities performed for or on behalf of the carrier unless it expressly provides that coverage. Check the carrier policy and any personal-policy endorsement for the exact work period rather than treating the driver’s certificate as proof of carrier coverage. ¹

Which Commercial Auto Providers Have Virginia License Records?

These providers publish a national listing for Commercial auto; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Virginia. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁰
Corgi links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹³
TechInsurance arranges commercial auto insurance for small businesses.

Who Regulates Insurance in Virginia?

Virginia State Corporation Commission, Bureau of Insurance

The Virginia State Corporation Commission, Bureau of Insurance administers Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Virginia

Reported tax rate. 2.25% of premium plus up to 0.1% Bureau Special Fund assessment ^6,⁷

The NAIC's state chart lists a 2.25% of premium plus up to 0.1% Bureau Special Fund assessment charge for surplus-lines coverage for Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

Questions to Ask Before You Buy Commercial Auto in Virginia

Which vehicles fall above 7,500 pounds and above 10,000 pounds GVWR for Virginia carrier filings?
Does our household-goods certificate of fitness require the separate $50,000 cargo filing as well as the $750,000 liability filing?
Does our carrier qualify under §46.2-2101(6), and when exactly does its primary-coverage window begin and end?
If an employee uses a personal vehicle for carrier work, what policy or endorsement expressly covers that work period?

Commercial Auto Insurance in Virginia: Frequently Asked Questions

What liability limits does Virginia require for intrastate motor carriers?

For vehicles above 7,500 through 10,000 pounds GVWR, the general intrastate tier is $300,000; above 10,000 pounds it is $750,000. Lighter vehicles and qualifying household-goods carriers have separate statutory provisions. ¹

Does a Virginia household-goods carrier need cargo insurance?

Yes. Virginia requires a $50,000 cargo filing for intrastate carriers, while the statute exempts carriers not transporting household goods and certain carriers using only lighter vehicles or passenger vehicles. ¹

Sources for Commercial Auto Insurance in Virginia

1
Code of Virginia, Chapter 21, Article 2: Insurance Requirements. Virginia General Assembly; §§46.2-2141 to 46.2-2143.2, especially §46.2-2143.1(A)–(D), (G), (J)–(M); intrastate GVWR tiers, household-goods exception, cargo filing and policy interplay; current code page dated 2026-09-28; 2023 c.242 amendment. Accessed 2026-09-28.
2
Code of Virginia, Title 46.2, Chapter 3, Article 17: Motor Vehicle Liability Insurance Policies. Virginia General Assembly; §46.2-472(B), owner-policy floor of $50,000/$100,000/$25,000 for policies effective on or after January 1, 2025; accessed current code page dated 2026-09-28. Accessed 2026-09-28.
3
Virginia State Corporation Commission, Bureau of Insurance. Virginia State Corporation Commission, Bureau of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; Virginia State Corporation Commission, Bureau of Insurance entry; official contact and website listing. Accessed 2026-09-28.
5
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; VA row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
10
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
11
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
12
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
13
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
14
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Commercial Auto Insurance Requirements Apply in Virginia?

What Is Commercial Auto Insurance?

Virginia Commercial Auto Insurance Requirements

What Should You Watch for With Commercial Auto Insurance in Virginia?

Class Each Carrier Vehicle By GVWR

Household-Goods Authority Has A Separate Floor

Map The Coverage Window For An Exempt Carrier

Do Not Assume A Driver’s Personal Policy Covers Carrier Work

Which Commercial Auto Providers Have Virginia License Records?

Corgi

TechInsurance