What commercial lines does Progressive Commercial write?
Progressive Commercial built its reputation in commercial auto coverage, and that remains its primary strength. The company writes commercial auto coverage for a wide range of vehicles, from pickup trucks and cargo vans to box trucks, dump trucks, tow trucks, and specialized rigs. Fleets of any size can be covered under a single policy, which makes it a practical choice for businesses where vehicles are central to daily operations.
What commercial lines does Progressive Commercial offer beyond auto?
Beyond commercial auto, Progressive Commercial offers several other small business lines, most of them packaged through its small business platform or placed through independent agents. The lines it commonly writes include:
- Commercial auto: liability, collision coverage, comprehensive coverage, uninsured motorist, and hired and non-owned auto coverage for vehicles owned or used by the business
- Business owners policy (BOP): a bundled policy combining commercial property and general liability, designed for small to mid-size businesses that own or lease a physical location
- General liability: covers bodily injury and property damage claims a third party brings against the business, including products and completed operations exposure
- Workers compensation: covers medical expenses and lost wages for employees injured on the job; in Georgia, this coverage is mandatory for employers with three or more employees
If your business owns or leases a location, a business owners policy can bundle property and liability into one plan, while standalone general liability insurance and workers compensation insurance can be added based on your payroll and risk.
What types of Georgia businesses does Progressive Commercial typically write?
Progressive Commercial’s appetite leans toward small businesses, tradespeople, contractors, and companies with vehicles as their primary exposure. Businesses in food delivery, landscaping, construction, HVAC, and similar trades are among those it frequently writes. Its commercial auto underwriting handles a wider range of vehicle types than many carriers, including specialty units that general-market insurers sometimes decline.
For example, a landscaping company in Marietta with a fleet of five pickup trucks and two enclosed trailers can often get all vehicles under a single Progressive Commercial policy, rather than splitting coverage across multiple carriers for different vehicle types.
What businesses are not a strong fit for Progressive Commercial?
Not every business is a strong fit. Larger commercial risks with complex property schedules, significant professional liability exposure, or high-value equipment may find Progressive’s small business platform too narrow. For those accounts, placing coverage with a carrier that specializes in mid-market or specialty commercial lines tends to produce better terms.
For example, a mid-size Georgia manufacturer with $4 million in property and a specialized equipment schedule would likely find that Progressive Commercial’s property limits and forms are not broad enough to match what a Travelers or Chubb commercial policy can offer at a comparable price point.
How do I know if Progressive Commercial fits my Georgia business?
A licensed advisor can tell you whether Progressive Commercial’s appetite matches your specific business: its vehicle types, employee count, industry class, and the limits you need. That conversation is the only way to know whether a BOP from Progressive covers your location adequately or whether workers comp from this market is priced competitively for your payroll class.
Schedule a coverage review with Olive Cover to walk through your commercial lines options and find the markets available through us that fit your business.