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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.
This article we’ll get you acquainted with Progressive Commercial Insurance company, discuss the business insurance policies it offers, show ratings and reviews.
Understanding 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.
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
At present, Progressive Commercial continues to provide user-centric and efficient insurance solutions.
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 |
| Food and hospitality | -Full-service restaurants that don’t serve alcohol
-Full service restaurants that sell alcohol -Fast-food, take-out, and deliveries -Caterers 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 |
| 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 -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 -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
-Medical spas -Reiki spas -Day spas |
We visited the company’s page in order to see the policies you can avail. Progressive business insurance policies are as follows:
Progressive business liability insurance shields your business from third-party claims. This is available as:
Progressive Commercial general liability insurance protects your business against third-party claims for bodily injuries or property damage. It covers the following costs:
In addition Progressive allows you to customize the limits of its general liability insurance in case you need to have more coverage to satisfy contract requirements.
| 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 |
Get all the best quotes from leading providers in a click of a button!
Progressive Professional Liability Insurance
Progressive Commercial sells professional liability insurance that covers defense costs, settlements, and judgments if your business is sued for:
| 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:
| 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 car 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:
By the way, Progressive Commercial vehicle insurance doesn’t cover the following:
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:
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.
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.
Progressive Commercial insurance quotes are very easy to retrieve.
Get all the best quotes from leading providers in a click of a button!
Step 1
To retrieve your Progressive business insurance quote, visit the Progressive Commercial website. While on the website 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.
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 |
There are different kinds of Progressive Commercial insurance bundle discounts:
The company provides different kinds of business insurance products to customers.The company has excellent ratings in AM Best and Consumer Affairs.
Average cost of $1 million general liability policy: $48 per month
Our rating: 9/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
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!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
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
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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