Insurance provider review
Progressive Commercial Insurance Review 2026
Progressive Commercial writes commercial auto through Progressive companies and places other business lines with partner insurers. This source-based profile shows what to verify.
Quick facts
- AM Best
- A+ (Superior), Progressive Casualty Insurance Company
- Founded
- 1937 (Progressive)
- States
- Commercial auto in all 50 states (not DC)
Pros
- Commercial auto is underwritten by Progressive Casualty Insurance Company and affiliates
- Progressive Casualty's AM Best A+ (Superior) rating was affirmed May 1, 2026
- Publishes 2025 median and average premiums by coverage line
- Phone service 24 hours on weekdays, with extended weekend hours
Cons
- Liability, BOP and workers' comp policies may come from unaffiliated insurers
- No commercial auto in Washington, D.C., and no general or professional liability in Hawaii
- Online certificates are available only for certain policies
- Discounts vary and may not be available in every state
Progressive Commercial is the commercial insurance division of Progressive. Its commercial auto policies are underwritten by Progressive Casualty Insurance Company and its affiliates, while its business owners, general liability, professional liability and workers' compensation policies come from Progressive-affiliated or unaffiliated insurers. Progressive's notice says each insurer is solely responsible for its own claims. AM Best affirmed Progressive Casualty Insurance Company's A+ (Superior) financial strength rating on May 1, 2026. Progressive Commercial history, underwriting notice, AM Best rating disclosure.
Progressive says it insures commercial vehicles in all 50 states but does not currently write policies in Washington, D.C. It offers business insurance, including general and professional liability, in every state except Hawaii, with workers' compensation and business owners policies (BOPs) in select locations. Commercial auto availability, business insurance availability.
Progressive Commercial may be worth exploring if your business relies on vehicles and you want commercial auto from the insurer group that underwrites it. For other coverage lines, confirm which insurer is quoting before you compare. We checked every source on this page on October 3, 2026.
Progressive Commercial: verified facts and limits
"Checked" is the date we reviewed each public source, not the date a feature became available.
| Fact | Primary source | Checked | Limitation |
|---|---|---|---|
| Progressive Mutual Insurance Company was launched in 1937. Progressive Commercial, the commercial division, started in 1971. | Progressive Commercial history | 2026-10-03 | Company age does not establish price or claim outcomes. |
| Commercial auto is underwritten by Progressive Casualty Insurance Company and affiliates. BOP, general liability, professional liability and workers' comp are underwritten by Progressive-affiliated and unaffiliated insurers; Progressive Advantage Agency, Inc. tries to quote each applicant with at least one of them. | Business insurance page: underwriting notice | 2026-10-03 | Your auto and liability policies may be issued by different companies. |
| AM Best rates Progressive Casualty Insurance Company A+ (Superior) with a stable outlook, affirmed May 1, 2026. | AM Best rating disclosure | 2026-10-03 | The rating applies to that company. Check the rating of the insurer named on your declarations page. |
| Commercial vehicles are insured in all 50 states; Progressive does not currently write policies in Washington, D.C. | Commercial auto page | 2026-10-03 | Vehicle, driver and business-use eligibility still apply. |
| Business insurance, including general and professional liability, is available in all states except Hawaii; workers' comp and BOPs are offered in select locations. | Business insurance page | 2026-10-03 | Ask which insurer and product are available for your address. |
| The site offers quotes for commercial auto, workers' comp, BOP, general liability, cyber and professional liability. | Progressive Commercial home page | 2026-10-03 | A listed product is not confirmation of eligibility. |
| Phone service runs 24 hours a day on weekdays and 6:30 a.m. to 2:00 a.m. Eastern on weekends. Online service covers payments, claims, certificates and driver or vehicle changes. | Customer service page | 2026-10-03 | Published hours are not a measure of hold times or service quality. |
| Commercial auto claims can be filed online or by phone 24/7, and a representative typically makes contact by the end of the business day. Business insurance claims go to the insurer that underwrites the policy. | Claims page | 2026-10-03 | A published process does not establish claim outcomes. |
| Certificates of insurance are free for policyholders. Requests go by phone, and certain policies can be handled online. | Certificate of insurance page | 2026-10-03 | A certificate summarizes coverage; the policy and its endorsements govern. |
| Progressive calls itself the No. 1 commercial auto insurer, citing the SNL Financial Q3 2025 report. | Commercial auto page | 2026-10-03 | A market ranking is not evidence of price or claims service for your business. |
What Progressive publishes about price
Progressive publishes national median and average monthly premiums for 2025. They are useful context, not a quote: your price depends on your vehicles, drivers, work, location and claims history. A median is the middle value, so half of the policies cost less and half cost more.
Progressive's published 2025 figures; it does not publish sample size or method.
| Coverage | 2025 median per month | 2025 average per month | Source and scope |
|---|---|---|---|
| Commercial auto: business auto (such as cleaning services, restaurants and shops) | $207 | $276 | Commercial auto page: new policies per power unit, liability and physical damage, no driver violations; excludes for-hire and tow trucks |
| Commercial auto: contractors | $203 | $260 | Commercial auto page: same scope as above |
| General liability | $55 | $79 | General liability page: policies through Progressive Commercial |
| Professional liability | $50 | $69 | Professional liability page: policies through Progressive Commercial |
| Business owners policy | $80 | $127 | BOP page: new Progressive Commercial customers |
| Workers' compensation | $76 | $121 | Workers' compensation page: policies through Progressive Commercial |
Progressive's commercial auto page lists possible discounts for sharing driving data through Snapshot ProView, carrying a BOP or general liability policy with Progressive, keeping continuous auto coverage for the past year and paying in full. It says new customers save an average of 9% by enrolling in Snapshot ProView, a usage-based program, and notes that discounts vary and may not be available in all states. Commercial auto discounts.
Progressive's list of its own websites describes Name Your Price® as an option for car insurance on Progressive.com, the site for its car, home and other personal coverage. It is not among the features listed for ProgressiveCommercial.com. Progressive websites.
Once you have actual proposals, enter them in our quote comparison worksheet. Check whether each figure is a monthly installment or a full-term premium, and which discounts were applied.
What to compare before buying
For commercial auto, start with how each vehicle is used, who drives it and who owns it. For general liability or a BOP, first ask which insurer is quoting, because Progressive places those lines with affiliated and unaffiliated insurers.
| Your situation | Question for Progressive or your agent |
|---|---|
| Several drivers or vehicles | Are all regular drivers listed, and are all vehicles and trailers scheduled? |
| Tools or equipment carried in vehicles | Is loose equipment covered, or does it need separate inland marine coverage? |
| Buying auto and liability together | Which company issues each policy, and who handles each type of claim? |
| A client requires proof of coverage | Can the certificate show the requested limits, and does the client also need an additional insured endorsement? |
| Comparing price | Which deductibles, limits and discounts are built into the quoted figure? |
Our COI checklist can help you match a client's certificate request to your policy. The guide to reading business insurance policies explains declarations, exclusions and endorsements.
Filing a claim
Progressive says commercial auto claims can be reported online or by phone at any hour. For BOPs and other business insurance, it says to report the claim to the insurer named in your policy documents, and it lists a separate phone line for BOPs underwritten by Progressive. Progressive Commercial claims.
Keep the claim-reporting contact for every policy you hold. If an unaffiliated insurer issued your general liability policy, Progressive's auto claims line is not the place to report a liability claim.
Progressive and ERGO NEXT
ERGO NEXT's commercial auto page says it partners with Progressive for commercial auto and that the coverage is not currently available through ERGO NEXT's appointed agents. A business that buys liability coverage from ERGO NEXT may therefore have its auto policy with a Progressive company. ERGO NEXT commercial auto page. Our ERGO NEXT profile explains that arrangement.
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This content is for informational purposes only and does not constitute insurance advice. Always consult with a licensed insurance professional before making coverage decisions.