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.
Offers a lot of discounts
Customizable policy limits
Numerous add-ons to commercial auto insurance
Helps with federal and state filings
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
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.
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:
| Business Sector | Particular Business Covered |
|---|---|
| Retail | -Appliances and electronics -Antiques, art, gifts, flowers, general stores, thrift shops -Auto, motorcycle, and tire dealers -Books, comics, and newsstands -Construction, gardening, and furniture supplies -Fashion/clothing, jewelry, and footwear stores -Cosmetics stores -Grocery and convenience stores -Beer, wine, and liquor stores -Pharmaceutical stores -Tobacco stores -Musical instrument, sports equipment, and toy stores -Gun shops -Online stores -Pet and pet supply shops -Candy stores -Sewing supply stores -Hemp/marijuana stores -Vape stores/shops |
| Food and hospitality | -Full-service restaurants that don’t serve alcohol -Full service restaurants that sell alcohol -Fast-food, take-out, and deliveries -Caterers -Food trucks -Mobile food carts -Hotel (no casino operations) -Camping sites/campgrounds -Bars -Taverns -Nightclubs |
| Manufacturing | -Breweries and wineries -Apparel and accessories manufacturing -Candle manufacturing -Food manufacturing -Personal care products manufacturing -Wood products manufacturing -Signage makers -Soap manufacturing -Bread factories |
| Construction | -Commercial building contractors -Frame contractors -General contractors -Home addition contractors -New home contractors -Renovation contractors |
| Wholesale | -Fashion and accessory wholesalers -Automobile wholesalers -Alcoholic beverage wholesalers -Constructions supply wholesalers -Food wholesalers -Furniture wholesalers -Tire wholesalers -Hardware and tool wholesalers |
| Mining | -Oil and gas ( limited to businesses engaged in exploration, excavation, and surveying, cementing, treating, and cleaning) |
| Arts, entertainment, and recreation | -Campgrounds -Recreation and sports centers -Entertainers and performers -Musical groups |
| Education/consulting | -Agriculture consulting firms -Business management consulting firms -IT consulting firms -Economic consulting firms -Education consulting firms -Environmental consulting firms -Financial management consulting firms -Human resource consulting firms -Manufacturing, logistics, freight, and transportation consulting firms -Marketing consulting firms -Safety consulting firms -Scientific and technical consulting firms -Driving schools -Teachers |
| Real estate | -Real estate agent offices -Real estate broker offices |
| Finance | -Financial advisors -Accounting and bookkeeping firms -Credit intermediation service firms -Office administrative support firms |
| Agriculture | -Farms -Fisheries -Lumbermills and tree companies -Sports hunting businesses |
| Transportation | -Limousine -Trucking -Medical transportation (except commercial EMTs) -Freight brokers -Scenic cruises and land trips |
| Professional and technical services | -Law firms -Residential cleaning businesses -Commercial cleaning businesses -Linoleum installers -Hardwood flooring installers -Computer repair and maintenance -Signage erection and installation -Landscapers -Lawn care technicians -Tree service technicians -Auto body paint and repair shops -Car repair shops -Truck tractor repair and maintenance shops -Upholstery -Lawn sprinkler installers -Junk and debris removal businesses -Garbage collection businesses -Personal chefs |
| Healthcare | -Physicians -Dentists -Orthodontists -Pathologists -Mental health practitioners |
| Personal care | -Barbershops -Beauty salons -Medical spas -Reiki spas -Day spas |
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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 shields your business from third-party claims. This is available as:
General liability insurance
Professional liability insurance
Cyber 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:
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 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
| 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:
Ambulance fees and emergency medical treatment
Hospitalization
Rehabilitation
Medication
Lost wages
Death benefits
| 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.
| 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 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.
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.
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 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’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
| 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.
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.
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
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
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The table below shows the average cost of Progressive Commercial insurance policies:
| Cost per Month | Cost per Year | |
|---|---|---|
| General liability | $48 | $576 |
| Professional liability | $56 | $672 |
| Business owner’s policy | $101 | $1,212 |
| Commercial auto | $187 | $2,244 |
| Commercial truck insurance | $640 | $7,680 |
| Boat Insurance | $65.22 | $782.64 |
Progressive offers specialty commercial truck coverage for motor carriers and owner-operators using semi-trucks. Primary coverages included are bodily injury liability, property damage liability, and physical damage coverage. Progressive semi-truck insurance costs $291.66 a month or $3,500 a year.
There are different kinds of Progressive Commercial insurance bundle discounts:
Package discount for customers who bought a BOP
Commercial vehicle+personal auto discount
Progressive Advantage® Business Program discount
Aside from policy bundle discounts, there are other cost-saving opportunities such as:
Commercial driving license discount-Save up to $1,106 on commercial auto and commercial truck insurance premiums
Paid in full discount-Get 15% decrease in premium rates
Boat multi-policy discount-Discount option available for any type of business insuring more than one boat through boat insurance
SmartHaul-Save $1,106 on premiums if you allow Progressive to gain access to your truck’s electronic logging device
Snapshot ProView-Get a 5% discount on commercial auto insurance premiums
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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