Progressive Commercial Insurance Review
Dominant Commercial Auto, Limited Beyond That
Ratings
How This Carrier Rates
Overview
About This Carrier
Progressive Commercial is primarily known for commercial auto insurance, where they are one of the largest commercial auto writers in the United States. They write for owner-operators, small fleets, contractors, and specialty commercial vehicles. Their non-auto commercial capabilities are more limited.
Why Choose Them
What This Carrier Does Well
Largest commercial auto writer in the US with deep expertise in owner-operators, fleets, and specialty commercial vehicles.
Competitive pricing on commercial auto especially for smaller fleets and contractors.
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.
Claims service on commercial auto can be inconsistent; Progressive's commercial claims handling scores are below average relative to dedicated commercial auto carriers like Employers or Hartford
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
- States Available
- All 50 states
- Commercial Lines States
- All 50 states for commercial auto. business owners policy availability varies by state.
- Max Business Revenue
- Commercial auto up to any revenue. business owners policy typically under $2M revenue.
- 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. Strongest on Georgia trucking, delivery, and landscaping.
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 auto claims are handled efficiently given the volume they process. Their commercial auto NAIC index of 0.82 is near the national average, which is acceptable for a high-volume commercial auto carrier.
File a Claim
- Phone 1-800-776-4737
- Hours24/7 phone
- Online Claims portal
Admitted Status: Admitted in all 50 states
Compared
How They Compare
Against State Auto and Sentry for commercial auto: Progressive often prices more aggressively and has broader appetite. Against Travelers Commercial for commercial auto: Progressive is typically sharper on fleet pricing.
Quick Facts