INSURANCE CARRIER
Progressive Commercial Insurance Review
That depth of commercial auto experience translates into competitive pricing and flexible coverage structures for businesses where vehicles are the core exposure, delivery operations, service contractors, landscapers, and similar trades.
Commercial Lines
- File a claim 1-800-776-4737 · 24/7 phone
- Online Account & claims portal
- After hoursPHLY claims: 1-800-765-9749 anytime.
Coverage Focus
What this carrier writes
Overview
About This Carrier
That depth of commercial auto experience translates into competitive pricing and flexible coverage structures for businesses where vehicles are the core exposure, delivery operations, service contractors, landscapers, and similar trades. Beyond commercial auto, Progressive offers a light commercial business owners policy for qualifying small businesses, though their commercial lines strength remains concentrated on the auto side.
Strengths
What This Carrier Does Well
Competitive pricing on commercial auto especially for smaller fleets and contractors.
Online commercial auto tools make policy management straightforward for business owners.
Strong online commercial auto tools make policy management straightforward for business owners.
Limitations to Know
Where They Fall Short
Commercial lines beyond auto are significantly less competitive than their personal and commercial auto products.
Not a single-source commercial solution for businesses needing property, general liability, and workers compensation alongside auto.
Right Fit
Who They Are Best For
Best Fit For
Small businesses with commercial auto exposure: contractors, delivery businesses, service businesses with work vehicles, and any operation where commercial auto is the primary coverage need.
Not a Good Fit For
Businesses that need commercial auto as a secondary coverage bundled within a business owners policy. Progressive Commercial's strength is standalone commercial auto, not packaged multi-line commercial programs.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines
- Coverage Types
- Commercial auto (primary), light commercial business owners policy
- Carrier's Licensed States
- All 50 states
- Commercial Lines States
- All 50 states for commercial auto. business owners policy availability varies by state.
- BOP Appetite
- Light commercial business owners policy available for smaller businesses. Progressive's primary commercial strength is auto, not property.
- Industry Classes
- Strong in: trucking, contractors, delivery, landscaping, and any business with significant vehicle exposure. Not a primary choice for professional services, retail, or property-heavy businesses.
Pricing & Claims
What to Expect
Best Pricing For
Commercial auto across owner-operators, small fleets, and contractor businesses with significant vehicle exposure. Writes most for trucking, delivery, and landscaping businesses.
Pricing Context
Progressive Commercial is consistently competitive for commercial auto across a wide range of vehicle types and business classes. Commercial auto is their core strength, and pricing reflects deep experience in this market.
Claims Experience
Progressive Commercial handles a high volume of commercial auto claims through an established national claims process. Admitted Status: Admitted in all 50 states Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy. Verify this carrier's license with your state insurance department
Admitted Status: Admitted in all 50 states
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
Do I need hired and non-owned auto (HNOA) coverage?
Hired and non-owned auto (HNOA) covers your business liability when employees use their personal vehicles for work or when you rent vehicles.
What commercial lines does Progressive Commercial write?
Progressive Commercial's primary commercial line is commercial auto, it is a dedicated commercial auto writer in the country and have broad appetite for trucks, vans, contractor vehicles, and.