Progressive Commercial Review

About Progressive Commercial

Progressive Commercial is, for most trades businesses, the default name in one specific and important coverage: commercial auto. With 45+ years in commercial insurance (Progressive itself dates to 1937) and an A+ (Superior) AM Best rating, Progressive is one of the largest commercial-auto insurers in the country, and for a contractor with a truck, a van, or a fleet, it is almost always on the shortlist — it insures cars, trucks, tow trucks, dump trucks, and more, with liability, comprehensive, and collision coverage. It also offers a business owner's policy (general liability plus business property) and standalone general liability, often bundling auto with those lines.

For trades whose vehicles are central to the business — HVAC, plumbing, electrical, landscaping, roofing — Progressive's commercial-auto depth, nationwide availability, and financial strength are genuine advantages. The online quote process is quick for auto, and bundling BOP/GL with the auto policy is straightforward.

The honest caveat is consumer sentiment. Progressive Commercial's Trustpilot rating sits very low (around 1.5 stars), with recurring complaints about price increases at renewal, claims-processing delays, customer-service friction, and unexpected policy changes, and it scored below the industry average in J.D. Power's 2024 auto-claims study. This pattern is common among large auto carriers (claims and rate gripes dominate their reviews), and it does not negate the A+ financial strength — but it means you should expect to shop renewals, document claims carefully, and not assume the cheapest first-year quote stays cheap.

For a trades business that needs commercial auto for its vehicles, Progressive Commercial is hard to avoid and often the right call on coverage and price — just go in clear-eyed on the service reputation, and compare renewals against alternatives (and a broker) rather than auto-renewing.