In the United States, business vehicle insurance is sold at the highest volume by Progressive, which is the market leader. Simply due to the business of this fact, it should be one of your top priorities while searching for commercial vehicle insurance. However, Progressive's role in the business insurance industry is limited to that of a simple middleman for general liability and workers' compensation policies.

Pros

• The business of automobiles and purposes may be covered by commercial auto insurance, including those used for personal and professional purposes.
• There are savings when you package your car and business insurance together.

Cons

• The vast majority of insurance coverage for companies is purchased via third parties.
• You are unable to submit a claim through Progressive.

Types of Coverage

• General liability
• Business owners policy
• Workers' compensation
• Commercial auto insurance
• Professional liability
• Cyber insurance

Progressive outsources the administration of most of the business insurance policies it sells to third-party insurers. These insurers are responsible for providing quotes, underwriting policies, and eventually dealing with any claims that may be filed. With one notable exception, Progressive's business car insurance is managed entirely inside the company.

In addition to these fundamental business insurance policies, Progressive also provides a variety of choices, including insurance for ridesharing services, inland marine risks, and liquor liability. Progressive insurance for business is available in all 50 states, although coverage is unavailable in the District of Columbia.

Progressive General Liability Insurance

General liability insurance is one of the policies that can be purchased via Progressive. You can purchase general liability insurance as a separate policy or bundle it with commercial property insurance by purchasing a business owner's policy from Progressive.

Every business owner should seriously consider purchasing general liability insurance. Typically, it protects against physical harm, property damage, and personal injuries, such as libel, slander, or a violation of intellectual rights. Additionally, claims connected to items that you make, sell, or distribute, as well as defective work that your business has accomplished, are covered by Progressive's general liability insurance.

Only claims made by third parties are covered by liability insurance. For example, if a customer trips and is wounded in your business or an employee of yours smashes a customer's window while working on a construction site, both scenarios would come within the purview of liability coverage. It does not protect you against accusations of carelessness or professional errors, nor does it cover damages to your property or injuries sustained by your personnel. It would be necessary to have additional coverage.

Progressive Commercial Auto Insurance

Progressive's sole direct business offering is commercial vehicle and truck insurance, although customers may still take advantage of the company's 24/7 customer service and other discounts. Quotes for Progressive business car insurance normally include coverage for liability, physical damage, medical payments, uninsured motorist, hired auto, and non-owned vehicles. However, you have the flexibility to modify your policy to match the requirements of your business. Earned freight coverage and trailer interchange insurance are two examples of the specialized coverage choices available for commercial vehicles. Progressive's insurance policies cover the following categories of business vehicles:

• Cars and SUVs
• Buses
• Limousines
• Motorhomes and RVs
• Tractor-trailers
• Pickup trucks
• Box trucks
• Tow trucks
• Dump trucks

In addition to other types of specialized vehicles, commercial auto insurance for emergency vehicles, racing cars, and wheelchair buses are not offered by progressive small business insurance.

Cost of Progressive Business Insurance

Although it is difficult to accurately estimate the cost of business insurance due to the wide range of premiums that are determined by coverage, location, business type, and other associated risk factors, it is helpful to have a rough estimate to use as a benchmark while you are shopping for coverage. According to Progressive's analysis, the following are the typical rates for the different levels of coverage in 2020.

• General liability insurance: $53
• Business owners policy: $84
• Professional liability insurance: $46
• Commercial auto insurance: $187

You may acquire a price for commercial insurance online by providing a little information about your company, such as its name, physical location, and years in business. Depending on the kind of business you run and the insurance policy you choose, you may also be required to supply estimates of your income and payroll costs in addition to your gross sales figures.

Does Progressive Provide Insurance For Those Working From Home?

Have a conversation with an agent about whether or not Progressive plans can cover employees who are located remotely. The representative will be able to explain to you when coverage would apply and what kind of coverage you would need for a circumstance in which you are working remotely.

Are There Any Discounts Available Via Progressive?

Have a conversation with a Progressive representative or give the company a call to inquire about any progressive discounts available in your region. The process of receiving internet quotes may also assist you in gaining an understanding of the total cost that you are going to incur.