You need Commercial Auto coverage in Virginia if you or your employees will use vehicles titled in the company name. Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto. This is not true. Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes.
A commercial auto policy can provide similar coverage as your personal auto insurance policy like coverage to repair or replace a vehicle damaged in an accident and it will pay the claims of any third-party injured in the accident.
You should purchase “non-owned auto and hired auto liability” coverage as well. This coverage will extend coverage to the business when employees use their personal vehicles for the business on an excess basis. It will also provide coverage whenever the business makes use of vehicles it does not own. This includes your car when used for business purposes.