Progressive Commercial Insurance is one of the top carriers in the US providing different kinds of business insurance products to small and established businesses in all 50 states. In this guide, you’ll get to know what Progressive Commercial Insurance company has in store, how to get a quote, and how to contact.
Pros | Cons | Best for | Average cost | Our rating |
---|---|---|---|---|
-Assists with state filings -Provides online quotes -Offers commercial insurance to more than 20 types of businesses -Tailored policies for each kind of business -Offers discount options for commercial auto insurance -Offers commercial boat insurance | -Some insurance quotes are not available through Progressive’s quotation tool -Claims handling is poor | Commercial trucking businesses | $53 for a $1 million general liability coverage | 8/10 |
Progressive commercial ins offer small business insurance having numerous kinds of liability coverages. The primary liability coverages included in Progressive small business insurance are
General liability insurance
Professional liability insurance
General liability insurance from Progressive covers third party:
Bodily injuries or property damage (property damage coverage includes property rented to you)
Medical payments (in case of personal injury claims)
Reputational harm
Product liability
An advantage with Progressive commercial general liability insurance is that it comes with custom deductibles. A deductible is an amount you’ll pay or have to return to the insurance company upon getting your claim approved. Deductibles are one determinant of the cost of insurance. - the higher it is, the cheaper the premiums.
Usually, the deductible is set at $500 or $1,000. But since Progressive commercial liability insurance deductible can be tailored to your needs, you can pay a deductible amounting to $1,500 or more. This means you’ll enjoy cheaper premiums. According to the company, its general liability insurance starts at $53 a month or $636 per year for a $1 million coverage.
Professional liability is another Progressive commercial policy that customers avail. This coverage included in Progressive small business insurance covers claims from third parties who experienced economic or financial loss after a business committed or allegedly committed negligence, violation of good faith, misrepresentation, etc. So what’s the cost of this policy in Progressive business insurance? According to the company, its professional liability coverage is $46 per month or $552 per year for a $1 million coverage.
Businesses or professions that can certainly get Progressive commercial insurance quotes offering general liability coverage and professional liability coverage are:
Church & Religious Organizations
Distributors
Wholesale
Manufacturing
Pilates Instructor
Health Spa
Food Vendor
See the full list of professions and businesses Progressive can certainly give a small business insurance quote.
Progressive also offers other liability policies that specific businesses need to comply with state insurance requirements. Optional policies included in Progressive commercial insurance quote are:
Liquor liability insurance
Employment practices liability insurance
Progressive covers the tangible assets of small businesses with its commercial property insurance. Coverage extends to immovable and movable business properties. With its commercial property insurance, Progressive protects businesses from the cost of debris removal and pollution cleanup. The company also ensures that no further costs are incurred if the business property gets stolen or damaged. Note that Progressive’s commercial property insurance is only available through its business owners policy which costs $84 per month or $1,008 per year.
Progressive offers stand-alone inland marine insurance for small businesses such as landscaping companies, food trucks, contractors, and others. Progressive’s inland marine insurance is very unique as it can be endorsed to the customer’s general liability coverage. Pricing is then added to commercial general liability insurance cost.
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Progressive claims to be the number one commercial auto insurer in the United States, with more than 1 million commercial vehicles insured. The table below shows the Progressive business auto insurance coverage and their limit:
Commercial Auto Coverage | Minimum Policy Limit | Minimum Deductible |
---|---|---|
Auto liability | $25,000 per bodily injury, $50,000 per accident, $20,000 per property damage | $500 |
Physical damage coverage (collision, CAC, or comprehensive) | Depends on the value of the vehicle | $500 |
Medical payments | $2,000 per person | |
Uninsured/underinsured motorist | $50,000 per person and $100,00 per accident | Depends on the location of the customer (note that Progressive doesn’t put deductibles if the customer lives in a location where a deductible is not required for uninsured/underinsured motorist) |
Individual named endorsement | $25,000/$50,000/$20,000 | $500 |
Here’s a bullet that briefly discusses the functions of each Progressive commercial vehicle insurance in the above table:
Auto liability - If you’re commercial vehicle is at fault for a vehicular accident, this coverage included in Progressive commercial auto policy functions to cover property damage claims and bodily injury claims from third-parties
Physical damage coverage - Answers repair or replacement costs if your commercial vehicle got damaged in a collision, fire, lightning, and more.
Uninsured/underinsured motorist coverage - If a driver, who doesn’t have insurance or doesn’t have enough insurance, causes an accident and injures you, the passengers, or damages the commercial vehicle, uninsured/underinsured motorist can help pay for your medical costs and the passengers’ as well as repairs of your damaged vehicle
Individual named endorsement - An endorsement to your commercial auto insurance. Individual named endorsement allows you to cover any car you’re driving using your vehicle’s commercial insurance.
Specialty coverage can be included in Progressive commercial auto insurance quote. These are:
Hired auto coverage
Any auto coverage
Non-owned car coverage
Drive other car coverage
Single deductible endorsement
So what kinds of autos does Progressive cover using its commercial auto insurance? Vehicles covered are:
Business auto
Sports utility vehicles
Motorhome
Bus
Trucks
Tractors
Tractor-trailers
Pickups
Passenger vans
In connection, Progressive doesn’t insure the following vehicles right now:
Double-decker buses
Wheelchair buses
Emergency vehicles (e.g. ambulance)
Exhibition vehicles (e.g. monster trucks, race cars, and drag cars)
Golf carts
Vintage vehicles
Military vehicles
Motor carriers, private carriers, and owner-operators using trucks, tractors, and other similar power vehicles can get Progressive commercial truck insurance quotes that include 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 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 currently getting 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
Trucking drivers can get further protection with Progressive CDL insurance, which offers the following:
Medical payments coverage
Personal injury protection coverage
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
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 cost $291.66 a month or $3,500 a year.
Aside from ensuring commercial trucks and other vehicles, Progressive also offers tailored insurance for boats. This insurance product is available to:
Fishing boats
Pontoon boats
Powerboats
Personal watercraft
Sailboats
So what are the coverages included? Commercial boat insurance from Progressive allows you to get:
Sign & Glide® on-water towing - Reimburses costs you’ll pay for towing and gas delivery if the boat runs out of gas while being used
Full replacement cost coverage - Reimburses you for the full cost of replacing parts so long as they're caused by a covered peril
Propulsion plus - Covers the repair or replacement costs of the boat's motor even for damages caused by wear and tear
Wreckage and fuel spill coverage - Covers costs if your boat sinks and authorities require you to remove the spill and haul the boat out of the water
Progressive doesn’t offer a bundle discount on its business insurance right now. The 4% insurance discount is only available when buying auto insurance with condo insurance or renters insurance.
However, the company offers a commercial auto insurance discount if you decide to insure two or more vehicles. Commercial vehicle discounts available are:
Commercial driving license discount - Save up to $1,106 on commercial auto and commercial truck insurance premiums
Business experience discount - Discount option available for any type of covered business operating for at least three years
Paid in full discount - Get 15% decrease in premium rates if you pay for the whole year
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 again access to your truck’s electronic logging device
Snapshot ProView - Enroll on this and you’ll get 5% discount on commercial auto insurance premiums
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Follow the steps below to get your Progressive business insurance quote online. Note that for specialty businesses, getting a quote is only possible through a Progressive agent.
The table below shows the different Progressive contact numbers and their functions:
Contact Number | Function |
---|---|
1-888-806-9598 | Get a Quote |
1-800-444-4487 | Pay a Bill or Update Your Policy |
1-800-776-4737 | Reporting a Claim |
1-440-461-5000 | Company Information |
1-440-395-2298 | Public Financial Information |
1-440-395-0803 | Media Relations |
Progressive’s address is The Progressive Corporation, 6300 Wilson Mills Road, Mayfield Village, Ohio 44143
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
Had general liability and workers comp with amguard. Paid high premiums and yet still got audited every year and had to pay more. Was able to prove less risk the first two audits and disputed price down but none the less had to pay more just so I could renew coverage. Third time the audit ( based on what I paid my premium on ) was ridiculous and tried to prove that there was no increase in risk from what I paid for my premium. However they would not believe it and required I paid full audit amount in order to have redline removed. Basically you do what they say and pay whatever outlandish bill they come up with or they will make sure you can’t run your business anymore. ????
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Dave Phillips Insuranker
Policy Type: Business Insurance
Company name: CoverWallet Business Insurance
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