Small business insurance phase-in review

Commercial car

Progressive underwrites a wide range of commercial auto insurance policies that provide coverage for the vehicles your company owns or leases. Because Progressive offers commercial auto coverage directly, you have access to 24/7 policy support.

You may also be eligible for more discounts, such as a multi-vehicle discount or automatic savings if you sign up for Snapshot Proview to track your driving habits. Progressive offers commercial auto policies in all 50 states, but coverage is not available in Washington, DC

General liability

A general liability policy protects your small business from third-party claims involving personal injury, damage to someone else’s property, false advertising or damage to reputation. For example, if someone slips and falls at your business or if one of your employees accidentally damages someone else’s property, general liability coverage will come into play.

Through its network of insurers, Progressive offers standard general liability insurance. It also offers excess and surplus lines insurance, which is essentially general liability coverage for high-risk businesses like a tree trimming service or roofing company.

Business owner policy

Business owners policies combine general liability and commercial property coverage into one policy. They also include business interruption insurance, which protects against financial loss if your business is temporarily unable to operate due to an unexpected event. Progressive offers policies to business owners through third-party insurers. However, it does not offer stand-alone commercial property insurance.

Professional civil liability insurance

Progressive offers professional liability insurance, also known as errors and omissions (E&O) insurance, through its third-party providers. This type of cover protects your business from claims involving professional negligence, poor work or inaccurate advice. Some states require professional liability insurance for certain professions, such as lawyers.

Workers’ compensation insurance

Most states require companies that employ people to have workers’ compensation insurance. The coverage helps pay for employees’ medical bills and lost wages if they get sick or injured on the job. You can buy workers’ compensation insurance through Progressive’s third-party insurers, unless your business is located in Ohio, North Dakota, Washington or Wyoming, which generally requires you to buy coverage through a managed fund state.

Cyber ​​insurance

Progressive offers cyber insurance through its network of providers. This type of insurance provides coverage if your business experiences a data breach or cyber attack.