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Progressive Commercial Review
Progressive's business arm: commercial auto for work trucks, vans and trailers, plus a BOP and other business lines arranged through its agency
Quick verdict
Progressive Commercial is best for Trades businesses whose trucks, vans and trailers are central to the work and that want commercial auto quoted online, by phone or through an agent. Quote speed: Online quote, by phone, or through an independent agent. Pricing: Quoted per business. Progressive publishes 2025 figures for new customers: contractor commercial auto median $203/month (average $260) per vehicle for liability and physical damage, and a BOP median of $80/month (average $127). Non-auto lines are placed through Progressive's agency with affiliated and unaffiliated insurers, so the insurer can differ by policy. It does not write commercial auto in Washington, D.C., offers no business insurance in Hawaii, and BOP availability varies by state.
About Progressive Commercial
Progressive Commercial is the business insurance arm of The Progressive Corporation (NYSE: PGR), which was founded in 1937 and is headquartered in Mayfield Village, Ohio. Its lead product is commercial auto. Progressive says it has more than 50 years of experience in commercial insurance, and it insures business cars, pickups, vans, SUVs, box trucks, dump trucks, tow trucks, semis and trailers, with liability, collision, comprehensive, uninsured/underinsured motorist and medical payments coverage.
Beyond vehicles, Progressive Commercial sells a business owner's policy (liability plus property), general liability, professional liability, workers' compensation and cyber insurance. Progressive discloses that these non-auto policies are underwritten by insurers affiliated with Progressive and by unaffiliated insurers, that Progressive Advantage Agency, Inc. tries to quote each applicant with at least one of them, and that each insurer is solely responsible for its own claims. A contractor who bundles auto with a BOP can therefore end up with two different insurance companies on the paperwork.
Prices are quoted per business, but Progressive publishes 2025 figures for new customers. Contractors such as carpenters, electricians, landscapers and painters paid a median of $203 a month (average $260) per vehicle for liability and physical damage coverage, and a BOP had a national median of $80 a month (average $127). Listed commercial auto discounts include bundling a BOP or general liability policy, continuous prior coverage, paying in full, and enrolling in Snapshot ProView. You can quote online, by phone or through an independent agent.
The trade-off: Progressive's core is vehicles. It does not write commercial auto in Washington, D.C., does not offer business insurance in Hawaii, and BOP availability varies by state. For the non-auto lines you are buying through Progressive's agency from whichever insurer it places you with, so check the insurer named on each policy and compare the package with an independent agent at renewal.
How it works
Start a quote online at progressivecommercial.com, by phone, or through an independent agent, with details on your vehicles, drivers and business. Commercial auto is written by Progressive's insurance companies. For a BOP, general liability, professional liability or workers' comp, Progressive Advantage Agency tries to quote you with at least one of its affiliated or unaffiliated insurers, and the insurer that issues each policy handles its claims. Progressive lists a multi-product discount on commercial auto when you add a BOP or general liability policy.
Pros & cons
What works
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Built around work vehicles
Progressive Commercial insures business cars, pickups, vans, box trucks, dump trucks, tow trucks, semis and trailers, with liability, collision, comprehensive, UM/UIM and medical payments coverage.
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Published price benchmarks
Progressive publishes 2025 median and average premiums for new customers, such as a $203 monthly median per vehicle for contractors and an $80 monthly median for a BOP, which helps you sanity-check a quote.
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Three ways to buy
Quote and buy online, by phone, or through an independent agent, depending on how much help you want.
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Business lines alongside auto
A BOP, general liability, professional liability, workers' comp and cyber can be arranged through Progressive's agency, and Progressive lists a discount for adding a BOP or general liability to commercial auto.
What doesn't
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Non-auto policies may not be Progressive's
Progressive says its BOP, general liability, professional liability and workers' comp policies are underwritten by affiliated and unaffiliated insurers, each solely responsible for claims. Check which company issues each policy.
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Gaps by location
Commercial auto is not written in Washington, D.C., business insurance is not offered in Hawaii, and BOP availability varies by state.
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Benchmarks are not your price
The published medians cover new customers, exclude for-hire truck and tow truck premiums, and depend on vehicles, drivers, coverage and claims history, so your quote can differ.
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Vehicle-first offering
Commercial auto is the center of the offering; for higher-hazard trades or specialty coverage, compare what an independent agent or broker can place.
Coverage
- Insurance lines
- commercial autobopgeneral liabilityworkers compprofessional liabilitycyber
- Geographic coverage
- Commercial auto in all 50 states (not Washington, D.C.); business insurance in all states except Hawaii, with BOPs in most states
- Premiums
- Quoted per business. Progressive publishes 2025 figures for new customers: contractor commercial auto median $203/month (average $260) per vehicle for liability and physical damage, and a BOP median of $80/month (average $127)
- Quote speed
- Online quote, by phone, or through an independent agent
- Trade coverage
- HVACPlumbingElectricalRoofingGeneral ContractorsLandscaping & Lawn CareCleaning ServicesPest ControlLocksmithHandyman ServicesPaintingFlooringPressure Washing & Window Cleaning
- Affiliate program
- Unknown. No public publisher affiliate program confirmed; outreach required to determine availability.
Reviews and complaints at the source
We do not copy third-party review scores onto this page: they change often and we could not verify them. Read Progressive Commercial's current reviews at the source.
Frequently asked
Is Progressive Commercial good for contractors?
It is worth quoting when vehicles are central to your business: it insures pickups, vans, box trucks, dump trucks, trailers and more. For non-auto lines, check which insurer Progressive's agency places you with.
How much does Progressive commercial auto cost for contractors?
Progressive says contractors who were new customers in 2025 paid a median of $203 a month (average $260) per vehicle for liability and physical damage coverage. Your price depends on your vehicles, drivers, coverage and claims history.
What does Progressive Commercial cover?
Commercial auto (liability, collision, comprehensive, uninsured/underinsured motorist and medical payments) plus a business owner's policy, general liability, professional liability, workers' compensation and cyber insurance. Progressive says it offers more than 30 types of business liability and vehicle coverages.
Who underwrites Progressive's BOP and general liability?
Progressive discloses that its BOP, general liability, professional liability and workers' comp policies are underwritten by insurers affiliated with Progressive and by unaffiliated insurers, placed through Progressive Advantage Agency, Inc. Each insurer is solely responsible for its own claims.
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