Policies You Can Avail from Progressive Commercial Insurance
We visited the company’s page in order to see the policies you can avail. Progressive business insurance policies are as follows:
Commercial liability insurance policies
Commercial property insurance
Business owner’s policy
Commercial auto insurance
Workers comp insurance
Inland marine insurance
Commercial truck insurance
Dump truck insurance
Box truck insurance
Boat insurance
Progressive Business Liability Insurance
Progressive business liability insurance shields your business from third-party claims. This is available as:
General liability insurance
Professional liability insurance
Cyber liability insurance
Progressive Commercial General Liability Insurance
| Limits |
|---|
| Bodily injury and property damage coverage per occurrence limit | $1 million |
| Bodily injury and property damage coverage aggregate limit | $2 million |
| Products and completed operations coverage aggregate limit | $2 million |
| Advertising injury coverage aggregate limit | $100,000 |
| Medical payments coverage limit | $5,000 |
Progressive Commercial general liability insurance protects your business against third-party claims for bodily injuries or property damage. It covers the following costs:
Progressive Commercial liability insurance doesn’t only cover claims for bodily injury or property damage. It also takes care of:
Your liability for products and completed operations that inflict injuries or property damage to third parties
Slander, libel, invasion of privacy, and copyright infringement
Your liability for the damage to a rented space as a result of gross negligence
Note that Progressive allows you to customize the limits of its general liability insurance in case you need to have more coverage to satisfy contract requirements.
Another thing to remember is that you can endorse liquor liability insurance to Progressive’s general liability insurance.
Progressive Professional Liability Insurance and Cyber Liability Insurance
Progressive Commercial sells professional liability insurance that covers defense costs, settlements, and judgments if your business is sued for:
You must understand that Progressive Commercial only sells professional liability insurance in partnership with Insureon and CommercialInsurance.Net. It doesn’t underwrite the policy.
Progressive also sells the cyber liability insurance of its partner, CyberPolicy. This insurance takes care of the following expenses if cyber criminals or employee negligence cause a data breach:
Progressive Workers Compensation Insurance
| Limits |
|---|
| Bodily injury by accident | $500,000 |
| Bodily injury by disease | $500,000 |
| Each employee’s bodily injury by disease | $500,000 |
You can avail workers' compensation insurance from Progressive. Policy limits are customizable just like the previous Progressive Commercial policy in the section above.
Workers' compensation insurance kicks in when an employee sustains a work-related injury or disease and takes care of the following costs:
Progressive Commercial Property Insurance
| Limit |
|---|
| General liability per occurrence | $1 million |
| General liability aggregate | $2 million |
| Commercial property minimum building coverage | $25,000 |
| Commercial property minimum contents coverage | $15,000 |
You get Progressive Commercial property insurance if you decide to purchase a BOP. A business owner’s policy is a combination of general liability and commercial property insurance. However, it can also offer additional business insurance policies.
Progressive Commercial Auto Insurance
| Limit |
|---|
| Bodily injury and property damage coverage | $1 million combined single limit |
| Uninsured motorist bodily injury coverage | $1 million combined single limit |
| Uninsured motorist property damage coverage | $1 million combined single limit |
| Medical payments coverage | $500 (minimum) |
| Comprehensive physical damage coverage | $5,000 (minimum) |
| Collision physical damage coverage | $5,000 (minimum) |
Purchase Progressive Commercial auto insurance if your business owns a commercial vehicle and is using it to transport goods, equipment, clients, or workforce. These are the most common vehicles you can insure with Progressive business auto insurance:
Business auto
Sports utility vehicle
Bus
Limousine
For-rent motorhomes
Tractor-trailers
Box trucks
Food trucks
Cargo vans
Passenger vans
Flatbed trucks
Dump trucks
Dump trailers
Car haulers
Dry freight trailers
Flatbed trailers
Utility trailers
Bulk trailers
Concession trailers
Pole trailers
Refrigerated trailers
Food trailers
By the way, Progressive Commercial vehicle insurance doesn’t cover the following:
Double-decker buses
Emergency vehicles
Monster trucks
Golf carts
Pinzgauer, Unimog, and other military vehicles
Wheelchair buses
Vehicles manufactured before 1931
Multiple drivers can be named as insured on Progressive Commercial auto policy. Moreover, you can choose how much deductibles to have on its comprehensive and physical damage coverage.
Note that your Progressive Commercial auto insurance quote can be added with these additional coverages:
Hired auto liability
Employer non-owned auto liability
Motor truck cargo insurance
Trailer interchange insurance
Non-owned trailer physical damage coverage
Progressive Inland Marine Insurance
Progressive offers inland marine insurance. This is available as an endorsement to the company’s general liability insurance and is also called commercial property floater.
With Progressive inland marine insurance, you can recoup losses if business property becomes lost or damaged during transit. This is useful for landscapers, installers, and other businesses that frequently transport specialty tools and equipment.
Progressive Commercial Truck Insurance
Motor carriers, private carriers, and owner-operators using trucks, tractors, and other similar power vehicles can get Progressive Commercial truck insurance that offers the following primary coverages:
Motor truck cargo-Allows you to reimburse the client if their cargo got lost or damaged during delivery
Motor truck general liability-Covers cost if you’re trucking business is accused of bodily injuries, property damage, and reputational harm
Non-trucking liability- Shoulders finances if your truck caused an accident and injured third parties or damaged property while being used for personal errands
Trailer interchange-Shoulders the repair or replacement costs for borrowed or hired trailers you’re using under trailer interchange agreement
Another specialty coverage, aside from the ones above, you can get from Progressive Commercial truck insurance quotes is rental reimbursement with downtime coverage. In brief, what this policy does is reimburse rental costs if your truck is out of commission and is being repaired.
However, not all customers can get Progressive’s rental reimbursement with downtime coverage. Qualified customers are as follows:
Trucking/hauling owner-operators
Scrap metal, scrap auto, and recycling businesses
Dirt, sand, and gravel delivery/hauling businesses
Debris removal businesses
Logging businesses
Progressive CDL insurance for truckers can be endorsed with an MCS 90 endorsement. You don’t need to do this yourself. Progressive can do the MCS 90 filing on your behalf within 48 hours.
There’s also Progressive Commercial fleet insurance. Commercial fleet insurance has all the coverage offered in commercial truck insurance. The only difference is that this can be used to cover 2 or more vehicles. Speaking of commercial fleet insurance, customers who buy this policy also decide to get bobtail insurance. Furthermore, Progressive helps all types of truckers/haulers with state filing requirements.
Progressive Bobtail Insurance
Customers can also avail bobtail insurance with the help of a Progressive agent. This is a coverage that’s very useful for tractor-trailer owners, hotshot pickup truckers, car haulers, and other related businesses that use a trailer to transport materials, equipment, and goods.
Progressive Box Truck Insurance
Progressive offers tailored box truck insurance for owner-operators and for-hire motor carriers using box trucks for business. The company mainly offers this insurance product to delivery and courier services, distributors/wholesalers, and retail operations. But nonetheless, small businesses that use a box truck, even just a single one, are welcome to get the coverage. Policies included are:
Progressive Dump Truck Insurance
Progressive’s dump truck insurance is a tailored commercial vehicle insurance product for debri-removal businesses, garbage collectors, construction companies, and others. Primary coverages are bodily injury and property damage liability. However, other optional policies are also available such as:
Progressive Commercial Boat Insurance
| Limit |
|---|
| Per person bodily injury liability | $25,000 (minimum) |
| Per accident liability | $50,000 (minimum) |
| Per property damage liability | $15,000 (minimum) |
| Medical payments per person | $1,000 (minimum) |
| Uninsured boater per bodily injury | $25,000 (minimum) |
| Uninsured boater per accident | $50,000 (minimum) |
| Fishing equipment coverage | $1,000 (minimum) |
| Comprehensive physical damage coverage | $1,000 (minimum) |
| Collision physical damage coverage | $1,000 (minimum) |
Progressive Commercial boat insurance is a fast and efficient method for recouping losses if your boat spills oil, injures someone, or gets damaged. Its highlights are:
Provides coverage regardless of which river or lake you’re using the boat
Provides coverage within 75 miles away from the coast
Easy sign-up as you don’t need to submit a costly navigation plan or marine survey
Disappearing deductibles
Comprehensive boat hull repair coverage
Note that Progressive’s boat insurance is only available if your boat is not more than $500,000 in value and 50 feet in length.
