Progressive Business Insurance Review 2021: Pros, Cons and Coverage Options

Consider Progressive if you want to bundle business insurance with a new or existing auto insurance policy.
Kelsey SheehyAug 11, 2021

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Progressive is the largest seller of commercial auto insurance in the United States. That fact alone makes it a must-look when shopping for business auto insurance. But Progressive simply serves as an intermediary for other types of , like general liability or workers’ compensation. You’re better off going directly to the source for that coverage, unless you plan to bundle your business insurance with an existing Progressive car insurance policy.

Progressive offers the following coverage options for small-business owners:

Most of the business insurance policies offered by Progressive are through a third-party insurer that provides the quote, underwrites the policy and ultimately handles any claims that arise. The exception is Progressive’s commercial auto insurance, which is handled in-house.

Beyond those core business insurance products, Progressive also offers liquor liability insurance, rideshare insurance and , among other options.

Progressive offers business insurance in all 50 states but doesn't offer coverage in Washington, D.C.


Progressive offers general liability insurance through a third-party insurer. You can get general liability as a stand-alone policy or bundle it with commercial property insurance through Progressive’s business owners policy.

General liability insurance is recommended for all business owners. It typically covers bodily injury, property damage and personal injury, such as libel, slander or copyright infringement. Progressive general liability insurance also covers claims related to products you manufacture, sell or distribute, as well as faulty work completed by your business.

Liability coverage applies only to third-party claims: if a customer falls and is injured at your store or your employee breaks a customer’s window while on a job site, for example. It doesn't cover damage to your property or injuries to your employees, or protect against claims of negligence or professional mistakes. Additional coverage, such as commercial property insurance, workers’ compensation and professional liability coverage would be required.

Commercial auto and truck insurance is the only business coverage offered directly through Progressive, so policyholders can take advantage of the company’s 24/7 customer service (available online and by phone) and earn a variety of discounts.

Progressive business auto insurance quotes typically include liability, physical damage, medical payments, uninsured motorist, hired auto and non-owned coverage, but you can customize your coverage to meet the needs of your business. Specific coverage options for commercial trucks include earned freight coverage and trailer interchange insurance.

Progressive insures the following types of commercial vehicles:

Progressive doesn't offer commercial auto insurance for emergency vehicles, race cars or wheelchair buses, among other specialty vehicles.

It’s difficult to predict the cost of business insurance, as rates vary widely depending on coverage, location, business type and associated risk factors, but a ballpark figure is helpful to index against as you shop for coverage.

Below are average prices for various coverage types in 2020, as reported by Progressive.

You can get a business insurance quote online by supplying a few details, including your business name, physical address and years in operation. You also may need to provide revenue and payroll estimates, as well as gross sales numbers, depending on your business and the coverage selected.


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