Commercial Auto Insurance in Martinsburg, WV – Quad State Insurance

Keep Your Business Moving with Commercial Auto Insurance in WV

From work trucks and vans to delivery cars and service fleets, your vehicles are essential to your business. At Quad State Insurance, we provide reliable across West Virginia and surrounding states — designed to protect your drivers, vehicles, and company from costly accidents and lawsuits.


Whether you operate a single company vehicle or manage a growing fleet, our local independent agents compare top-rated carriers to help you find affordable coverage that keeps your business rolling.

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Why Commercial Auto Insurance Matters in West Virginia

Personal auto insurance doesn’t cover vehicles used for business purposes. If you or your employees drive for work, you need a West Virginia commercial auto insurance policy that protects your company against financial loss.


A comprehensive policy provides:



  • Liability Coverage – For injuries or property damage caused by company vehicles

  • Collision Coverage – For repairs after an accident

  • Comprehensive Protection – Against theft, vandalism, fire, or storm damage

  • Employee Coverage – Protection when employees drive business-owned vehicles

  • Medical Payments – For drivers and passengers after an accident

What Our Commercial Auto Insurance Covers

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Liability Coverage

Protects your business from lawsuits and claims after accidents caused by company vehicles.

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Collision Coverage

Covers repairs or replacement costs if a work truck, van, or service car is damaged in an accident.

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Comprehensive Coverage

Protection for theft, vandalism, hail, flood, or other non-collision risks.

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Medical Payments

Helps cover medical bills for employees or passengers involved in an accident.

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Hired & Non-Owned Auto Insurance

Extends coverage when employees drive personal or rented vehicles for business purposes.

Who Needs Commercial Auto Insurance?

This coverage is essential for nearly any business that uses vehicles for operations, including:



  • Contractors & tradespeople using work trucks, vans, or trailers

  • Delivery services transporting goods or packages in company cars

  • Small businesses making service calls or client visits

  • Farms & agricultural operations with vehicles for business use

  • Companies transporting tools, equipment, or passengers

If your business owns or operates vehicles, commercial auto insurance in Martinsburg, WV is a must-have.

Local Risks to Consider:
  • Frequent accidents and heavy traffic congestion along I-81 and US-11 in Martinsburg.

  • Rural driving hazards in Preston and Berkeley Counties, including deer collisions and unpaved roads.

  • Weather-related risks like snow, black ice, and flooding on WV backroads.

  • Liability from employee drivers using company vehicles for deliveries, service calls, or contracting jobs.

  • Higher exposure for small businesses with work trucks, trailers, or fleets traveling throughout West Virginia and neighboring states.

FAQs – Commercial Auto Insurance in Martinsburg, WV

  • Is commercial auto insurance required in West Virginia?

    Yes. WV law requires liability coverage for all vehicles used for business purposes.


  • Can I bundle commercial auto with other business policies?

    Yes. Many small businesses save by bundling commercial auto insurance with a Business Owners Policy (BOP) or general liability insurance.


  • Does commercial auto insurance cover employees using their own cars?

    Not under a standard policy. But we offer Hired & Non-Owned Auto coverage to extend protection to personal or rented vehicles used for work.


  • How much does commercial auto insurance cost in WV?

    Premiums depend on vehicle type, driving history, business use, and coverage limits. As an independent agency in Martinsburg, WV, we compare multiple carriers to get the best value.


Why Choose Quad State Insurance for Commercial Auto Coverage

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Local Knowledge – We understand the driving conditions, accident risks, and insurance requirements unique to West Virginia businesses.

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Independent Advantage – We represent multiple top carriers, ensuring more options and better pricing.

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Small Business Focus  – Affordable policies tailored for contractors, farms, and growing businesses.

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Trusted Choice® Member  – Recognized for client-first service and integrity.

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Commercial Auto Insurance protection

Get the Right Commercial Auto Insurance in WV Today

Don’t let an accident put your company at risk. At Quad State Insurance, we make it simple to compare commercial auto insurance quotes in Martinsburg, Kingwood, and Morgantown, WV. Our team will help you protect your vehicles, drivers, and business — so you can keep moving forward with confidence.