Progressive Commercial Auto Insurance
Progressive Commercial Auto Insurance
Progressive Commercial Auto Insurance: Comprehensive Coverage for Business Vehicles
Progressive Commercial Auto Insurance is designed to provide effective and customizable protection for a wide range of business vehicles. Serving as America's #1 commercial auto insurer, Progressive has over 50 years of experience and insures more than 1.9 million commercial vehicles nationwide, making it a trusted choice for businesses of all sizes and industries.^1
What Vehicles Are Covered?
Progressive insures a diverse array of commercial vehicles, including:
- Company cars, pickup trucks, vans, SUVs
- Dump trucks, tow trucks, food trucks
- Tractor trailers, box trucks, flatbeds
- Trailers of various types including utility and dump trailers This extensive coverage allows businesses to insure a mixed fleet of vehicles under one policy.^6
Coverage Options
Progressive offers flexible coverage options to fit the unique needs of each business, such as:
- Liability Coverage: Protects against bodily injury and property damage claims if a business vehicle is involved in an accident and the insured is at fault.
- Physical Damage Coverage: Includes collision (damage from accidents) and comprehensive (protection against theft, vandalism, weather, fire, and hitting animals).
- Medical Payments: Covers medical costs for drivers and passengers injured regardless of fault.
- Uninsured/Underinsured Motorist Coverage: Helps protect when the at-fault driver lacks sufficient insurance.
- Hired and Non-Owned Auto Coverage: Extends liability protection to vehicles the business rents, leases, or uses but does not own.
- Additional Coverages: Options include roadside assistance, rental reimbursement, new vehicle replacement, loan/lease gap coverage, and electronic equipment protection.^2
Benefits and Features
- Discounts and Fleet Management: Businesses enrolling in Progressive’s Snapshot ProView program can save 8% to 20% by demonstrating safe driving habits. Companies with three or more vehicles benefit from free fleet management tools to monitor driving and reduce risk.
- 24/7 Claims Service: Progressive provides round-the-clock claims support and access to a large network of repair shops nationwide, speeding up the repair process and minimizing business disruptions.
- Customizable Policies: Progressive works with businesses directly or through independent agents to tailor insurance policies based on fleet composition, industry requirements, and risk profiles.^4^2
What Progressive Does Not Cover
While Progressive covers a broad spectrum of vehicles and business types, some vehicle types like double-decker buses, emergency vehicles, or vehicles used for residential living are not insured under their commercial auto policies. Similarly, businesses engaged in specific activities like door-to-door sales or those with vehicles primarily used for passenger transportation over a certain threshold may need alternative coverage sources.^5
Costs and Pricing
In 2024, median monthly premiums for Progressive commercial auto insurance typically ranged from \$212 for contractors’ autos to \$219 for general business use vehicles, with variations based on coverage levels, vehicle types, driving history, and location.^10
Conclusion
Progressive Commercial Auto Insurance stands out for its industry-leading experience, broad coverage options, flexible, and customizable policies designed to protect business vehicles and drivers across a wide range of industries. With its safety discount programs, extensive claims support, and comprehensive policy features, Progressive provides businesses confident and affordable protection on the road.^1^4