Progressive Commercial Insurance: Quotes From $11

Homepage > Business Insurance  >  Progressive Commercial Insurance: Quotes From $11

Progressive Commercial Insurance is a good option if you’re a businessman looking for a company that underwrites business insurance with competitive rates, customizable limits, numerous options, and other perks. In this guide, we’ll get you acquainted with Progressive Commercial Insurance company, discuss the business insurance policies it offers, show ratings and reviews, and more.

Our Take On Progressive Commercial Insurance

Pros

• Offers a lot of discounts

• Customizable policy limits

• Numerous add-ons to commercial auto insurance

• Helps with federal and state filings

Cons

• Poor reviews on Better Business Bureau

• Some policies sold by Progressive Commercial are underwritten by partners 

Progressive Commercial insurance provides different kinds of business insurance products to customers. It ensures that all get the right coverage at the most reasonable rate by providing multiple discounts. 

In terms of customer service, the company has excellent ratings in AM Best and Consumer Affairs. Customers can call different hotlines to file a claim, track a claim, and resolve concerns. 

Best for: Commercial truckers and other businesses in the transportation industry

Average cost of $1 million general liability policy: $48 per month

Our rating: 9/10

What is Progressive Commercial Insurance?

Progressive Commercial Ins. holds the 9th spot in the Insurance Information Institute ranking of the leading business insurance companies in 2021. This company has $10,282,191 gross written premiums and a market share of 2.6%. 

Progressive also hails itself as the number one motorcycle, watercraft, and commercial auto insurance company in the United States. Here are some quick facts that might back this claim:

• Progressive has insured more than 1 million commercial vehicles

• It has insured more than 1.2 million watercraft

• Progressive underwrote and sold motorcycle insurance for 50 years. It even holds motorcycle rallies such as Ohio Bike Week, Laconia Bike Week, Motoblot, Sturgis Motorcycle Rally, and Bikes, Blues, & BBQ

Lawyers Josh Lewis and Jack Green founded Progressive in 1937 as a mutual insurance company that underwrote and sold auto insurance. As it continued operating, Progressive launched initiatives that were the first of their kind in the insurance industry:

• 1937-First drive-in claims office

• 1994-First auto insurance rating comparison 

• 1995-First to launch a website where customers can buy auto insurance policies and get covered in an instant

• 2003-First company to utilize service centers to streamline the claims of customers

• 2008-First company to introduce usage-based insurance plug in device

• 2009-First company that allows customers to determine the rates of their premiums

• 2017-First to introduce a multiple home insurance quoting platform 

At present, Progressive Commercial continues to provide user-centric and efficient insurance solutions. 

You can get a quote, pay for premiums, and manage insurance online. The company even allows you to enjoy online claims filing and tracking. Furthermore, you can request Progressive Commercial to process federal and state filings on your behalf.

Underwriting Appetite: Which Businesses Does Progressive Commercial Insure?

In insurance lingo, an underwriting appetite is specific risk groups that an insurance company is inclined to provide coverage. In connection, here’s  a table showing which ventures Progressive small business insurance caters:

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

Progressive Commercial general liability insurance protects your business against third-party claims for bodily injuries or property damage. It covers the following costs:

• Medical payments

• Settlements

• Reimbursements for property damage

• Defense costs and court judgments

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:

• Negligence

• Errors and omissions

• Misrepresentation

• Breach of contract

• Breach of confidentiality

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:

• Defense costs

• Settlements

• Public relations expenses

• Lost income

• Professional services needed to contain the breach

Progressive Workers Compensation Insurance

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:

• Ambulance fees and emergency medical treatment

• Hospitalization

• Rehabilitation

• Medication

• Lost wages

• Death benefits

Progressive Commercial Property Insurance

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

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:

• Auto liability insurance

• Physical damage coverage

• Motor truck cargo insurance (optional)

• Non-trucking liability insurance (optional)

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:

• Physical damage coverage

• Medical payments

• Uninsured motorist coverage

• Motor truck cargo coverage

Progressive Commercial Boat Insurance

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.

Progressive Commercial: How To Retrieve Quote

Progressive Commercial allows you to get a quote online. The company doesn’t force you to purchase a policy instantly.

You can leave your Progressive online quote and take a look at the offer of another company. The neat thing is that your progress is saved and you can retrieve your Progressive Commercial insurance quote.

Progressive Commercial insurance quotes are very easy to retrieve. In this section, we will teach you how to do so.

Retrieving Your Progressive Business Insurance Quote

Step 1

To retrieve your Progressive business insurance quote, visit the Progressive Commercial website.

After reaching the site, look for this box where you can choose different business insurance policies.

Click on retrieve a quote placed in its lower left corner.

Step 2

After doing step 1, you will be taken to this page.

Input the following data, click the retrieve quote button, then you’ll receive your Progressive business insurance quote once again.

• Type of insurance quote Progressive issued to you before

• Quote number or email address

• Last name

• Zip code

Retrieving Your Boat Insurance Quote from Progressive

Aside from the retrieval of small business insurance quote, Progressive Commercial allows you to get your boat insurance quote once again. These are the steps.

Step 1

Visit Progressive’s boat insurance page, look for the continue previous quote button, and click it.

Step 2

After doing step 1, you’ll be taken to this page.

Provide the following details, click the retrieve quote button, and you’re all set:

• Last name

• Quote number or email

• Date of birth

• Zip code