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Progressive Commercial

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LAST UPDATED: June 27th, 2019

Progressive Commercial has over 45 years of experience and more than 30 types of business liability and vehicle insurance coverages. Customers can protect their business with a basic liability coverage or they can choose from a full business owner’s policy with property coverage, professional liability, workers’ compensation and more. Progressive Commercial also offers extensive commercial auto insurance that covers all types of vehicles (vans, trailers, SUVs, semis, dump, and tow trucks). Customers should be aware that the Progressive Advantage Business Program offers insurance products (BOPs, contractors’ liability, workers’ compensation) underwritten by carriers selected by Progressive.

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The Good

  • Package Discount
  • PerkShare Discounts and Savings
  • Commercial Claims

Package Discount

Small businesses that purchase a business owners policy (BOP) and a Commercial Auto policy will receive up to a 5 percent discount on their commercial auto insurance premium. The basic coverage for a BOP contains:

  • General Liability (includes a variety of claims: bodily injury, property damage, personal injury, etc.
  • Property
  • Professional Liability

Additional Coverages might include:

  • Identity theft
  • Employment practices liability
  • Electronic data and equipment
  • Personal property of other
  • Valuable papers and records
  • Blanket additional insured
  • Limited property of others liability
  • Short-term pollution from pollutants at job site
  • Building and business personal property
  • Business income and extra expense

PerkShare Discounts and Savings

Customers with Progressive Commercial can receive PerkShare discounts and savings from eHealth, Vital Savings by Aetna, MFS supply, intuit, and Sirius XM.

  • eHealth — Progressive has teamed up with eHealth Insurance to offer affordable group health insurance plans
  • Vital Savings by Aetna — Save 10-40 percent off average wholesale prescription prices and 15-50 percent off multiple dental services
  • MFS Supply  — Save 5 percent off a first order
  • Intuit  — Get the first month free for this online payroll solution
  • SiriusXM  — Over 140 channels free for the first two months

Commercial Claims

Progressive Commercial is available 24/7 to answer questions and take care of claims. The company boasts that a claims representative will generally contact a customer by the end of the business day. Commercial auto claims are handled by the auto claims department which provides customer service to help with any immediate needs and guidance through the process. 


The Bad

  • Website Information
  • Workers' Compensation Insurance

Website Information

Progressive may distribute website information to its third-party advertising companies (ad companies) through multiple platforms (websites, mobile apps, TV streaming devices). Some of these sites may use cookies, web beacons, or other technology to circulate information about their customers and products they might be interested in purchasing. The information collected may be exchanged with Progressive Commercial for market research and to aid in managing its advertising and marketing efforts. Customers do have the option to limit the extent to which the website information is used, but customers will have to do this manually. Customers can find more information about this in the terms and conditions section.

Workers’ Compensation Insurance

Progressive Commercial has workers’ compensation insurance through the Progressive Advantage Business Program*. The company has partnered with select insurers who have workers’ compensation in all but four states (Ohio, North Dakota, Washington, and Wyoming). These states only allow businesses to get workers’ compensation insurance through them. Workers’ compensation help ensure that employers provide coverage for work-related injuries or occupational diseases. Employees can only benefit from the coverage if their bodily injury or illness relates to their employment.


The Bottom Line

Progressive Commercial gives its customers plenty of options for insurance products that are typically used by small business owners. The company offers a number of discounts to qualified customers, so customers should be aware of the stipulations and ask a customer service representative if they qualify. The workers’ compensation insurance isn’t available in all states and Progressive Commercial may share customers information with its third-party ad companies. However, customers can limit the amount their information is shared but will have to do so manually. While customers can purchase auto insurance (commercial) from Progressive, the other small business insurance products are underwritten by select carriers. Also, there is no mention as to whether there is coverage for home-based businesses. Overall, Progressive Commercial is a reliable option for those seeking commercial auto insurance and a reliable choice for small business insurance.

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*The Progressive Advantage Business Program gives customers access to the types of insurance products most small business owners utilize frequently. Through a team of licensed insurance agents, the company is able to offer business owners policies (BOPs), contractors liability, and workers' compensation products underwritten by carriers specially selected by Progressive.

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