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Commercial Insurance Coverages

At Progressive, we offer a wide variety of general commercial auto insurance and services designed for commercial trucks, tow trucks, and business autos. These commercial auto insurance coverage options allow you to customize your commercial insurance policy to meet your business' needs, whether you need commercial truck insurance, commercial automobile insurance, or anything in between. Our broad acceptance offers protection for most drivers, business types and vehicle models.

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General Commercial Auto Insurance Coverages

No matter what you're driving, you want to make sure you have basic commercial auto insurance or commercial trucking insurance coverages — like Liability Insurance and Physical Damage Coverage. Liability insurance provides coverage for injuries or damage to other people or property if you're at fault for an accident. Physical Damage insurance can provide protection in case of a collision or if your vehicle is vehicle is stolen.

There are many other commercial automobile insurance coverages you can select for your commercial auto insurance policy, including Medical Payments, Uninsured Motorist, and more. But no matter what coverages you choose, your commercial auto insurance quote will be designed to meet your needs.

Commercial Truck Insurance Coverages

If you're a trucker, you have special insurance needs. As the #1 truck insurer in America, you can trust us to provide the commercial truck insurance coverages you need to stay on the road, like Motor Truck Cargo and Bobtail insurance.

  • Motor Truck Cargo Insurance — protects the cargo you're hauling for your motor carrier. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), our coverage pays for the cost to remove debris or extract pollutants caused by the debris.
  • Non-Trucking Liability Insurance — Also known as Bobtail, Non-Trucking Liability insurance provides coverage for your truck in case you cause an accident while you are using your vehicle for non-business or personal use, when you aren't driving under dispatch.

Tow Truck Insurance Coverages

If you operate a tow truck, you'll need On Hook Towing insurance to pay to repair or replace a vehicle you don't own if it is damaged while you are towing or hauling it. Garagekeeper's Legal Liability coverage is another tow truck insurance coverage designed for business owners who offer towing at service stations or operate a storage lot. It provides protection for a customer's vehicle when you are keeping it at a covered location for parking or storing, or to perform service.

Business Auto Insurance Coverages

There are also special commercial auto insurance coverages to protect your business auto. If you are an individual or sole proprietor and you have a vehicle on your policy that you use for personal or non-business use, the Individual Named Insured Endorsement is automatically included. It provides protection when you are driving a vehicle that you do not own or will protect your spouse or relatives who live with you if they are driving a vehicle that you don't own.

If you ever drive vehicles that you do not own for your business, then you should choose one of the Non-Owned Auto Vehicle Liability insurance coverages: Employers' Non-Ownership insurance, which protects your business when employees drive their own vehicles for a business purpose or Hired Auto insurance, which protects you in other situations when you drive a vehicle you don't own.

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