Progressive, a leading name in the insurance industry, understands the complexities of commercial auto insurance and the vital role it plays in protecting businesses. However, what happens when obtaining a vehicle title is not feasible or timely? Progressive’s commitment to providing tailored solutions extends to commercial auto insurance policies, even in the absence of a title.
In certain circumstances, Progressive recognizes that businesses may require insurance coverage for vehicles without titles. This can arise during the loan approval process, where the lender holds the title as collateral, or when dealing with specialized vehicles like trailers or motor homes. To address these scenarios, Progressive’s experienced underwriters meticulously assess each case individually, considering factors such as the business’s financial stability, the nature of the vehicle’s usage, and alternative forms of ownership verification. This approach enables Progressive to offer tailored commercial auto insurance policies that provide the necessary protection without the need for a traditional vehicle title.
Moreover, Progressive’s commitment to customer satisfaction is evident in its flexible underwriting process. By actively seeking alternative methods to verify ownership and mitigate risks, Progressive strives to provide businesses with the insurance coverage they need, even in situations where a traditional title is not readily available. This customer-centric approach sets Progressive apart as a trusted partner for businesses seeking comprehensive commercial auto insurance solutions.
Coverage Options Tailored to Your Business Needs
Progressive’s commercial auto insurance policies provide a comprehensive range of coverage options to cater to the diverse needs of businesses. Whether you have a single vehicle or a fleet of 100, Progressive offers tailored solutions to protect your assets, employees, and operations. Some of the key coverage options include:
- Commercial Auto Liability Insurance: This covers expenses related to injuries or property damage caused by your business vehicles.
- Physical Damage and Collision Coverage: Protects your vehicles from damage caused by accidents, theft, vandalism, or weather-related events.
- Medical Payments Coverage: Provides medical expenses for your employees or customers injured in a covered accident.
- Uninsured/Underinsured Motorist Coverage: Protects you in the event you’re involved in an accident with an uninsured or underinsured driver.
- Cargo and Equipment Coverage: Insures the contents of your vehicles, including equipment, tools, and inventory.
Additional Value-Added Services
Beyond the comprehensive coverage options, Progressive offers a host of additional value-added services to enhance the protection and convenience for businesses. These services include:
- Commercial Vehicle Assistant: Provides 24/7 roadside assistance, such as towing, lockout assistance, and flat tire changes.
- Insurance Tracking System: Allows you to manage your policies, track claims, and receive real-time updates on coverage.
- Fleet Risk Management Tools: Helps businesses identify and mitigate risks, reduce accidents, and improve driver safety.
- Dedicated Business Support Team: Provides personalized service and expert advice to assist you with all your commercial auto insurance needs.
- Commercial Insurance Discounts: Progressive offers various discounts, such as multi-vehicle discounts, accident-free discounts, and safety features discounts, to help businesses save on their premiums.
Liability Coverage: Protecting Your Business from Financial Losses
Liability insurance is crucial for commercial auto insurance, safeguarding your business from potential financial liabilities arising from accidents caused by your company vehicles. It covers expenses such as medical bills, property damage, and legal defense costs. Here are the key types of liability coverage:
Bodily Injury Liability
This coverage protects your business from claims for bodily injuries or fatalities caused by your vehicles. It covers expenses like medical bills, lost wages, and pain and suffering.
Property Damage Liability
Property damage liability insurance covers damages caused to other people’s property, including buildings, vehicles, and equipment, as a result of your company vehicles’ operations.
Split-Limit Liability
Split-limit liability provides separate coverage limits for bodily injury and property damage. For instance, a policy might offer coverage of $1 million per person for bodily injury and $500,000 per accident for property damage.
Single-Limit Liability
Single-limit liability offers a single limit of coverage for both bodily injury and property damage. This simplified approach eliminates the need for multiple limits and provides flexibility in allocating funds.
Uninsured/Underinsured Motorist Coverage
This coverage protects your business if your vehicles are involved in an accident with uninsured or underinsured drivers. It covers expenses such as medical bills, lost wages, and pain and suffering.
Comprehensive Coverage: Minimizing Damage from Non-Collision Events
Comprehensive coverage extends insurance protection beyond collision-related damages. It covers incidents like theft, vandalism, fire, and natural disasters, providing financial compensation for vehicle repairs or replacements.
Collision Coverage: Protection from Vehicle Damage
Collision coverage protects your commercial vehicles in the event of a collision with another vehicle or an object. It covers damages to your company’s vehicles and expenses associated with repairs or replacements.
Medical Payments Coverage: Supporting Your Employees’ Well-being
Medical payments coverage provides medical expenses for your employees or passengers in the event of an accident, regardless of fault. This coverage covers costs such as ambulance fees, doctor’s appointments, and medication.
Uninsured/Underinsured Motorist Bodily Injury Coverage
This coverage safeguards your employees and passengers in the event that the at-fault driver is uninsured or underinsured. It provides compensation for medical bills, lost wages, and pain and suffering.
Physical Damage Coverage: Safeguarding Your Commercial Vehicles
Progressive offers comprehensive physical damage coverage to protect your commercial vehicles from various risks. This coverage includes the following:
Collision Coverage
This coverage protects your vehicles from damage caused by collisions with other vehicles, objects, or structures. Collision coverage is typically required by lenders if you have a financed vehicle.
Comprehensive Coverage
Comprehensive coverage provides protection for your vehicles against non-collision-related events, such as theft, vandalism, fire, and natural disasters. This coverage is highly recommended for valuable commercial vehicles or those used in high-risk environments.
Specified Perils Coverage
Specified perils coverage provides protection for your vehicles against specific risks outlined in your policy. This coverage is often used for vehicles that are not subject to collision or comprehensive coverage, such as trailers or off-road equipment.
Gap Coverage
Gap coverage is designed to protect you from financial loss if your vehicle is totaled and the insurance settlement doesn’t cover the outstanding balance on your loan. This coverage is recommended for vehicles that depreciate quickly or have a high loan-to-value ratio.
Rental Reimbursement Coverage
Rental reimbursement coverage provides coverage for the cost of renting a vehicle while your covered vehicle is being repaired or replaced after an accident or covered loss. This coverage allows you to continue your business operations without interruptions.
Towing and Labor Coverage
Towing and labor coverage reimburses you for the cost of towing your vehicle to a repair facility or for labor costs incurred after an accident or breakdown. This coverage can help minimize the inconvenience and expenses associated with vehicle breakdowns.
Custom Parts and Equipment Coverage
This coverage provides protection for custom parts and equipment not covered under the standard physical damage coverage. This coverage is essential for vehicles equipped with specialized or expensive modifications.
Mechanical Breakdown Coverage
Mechanical breakdown coverage is an optional coverage that extends protection beyond the manufacturer’s warranty, covering unexpected repairs and replacements due to mechanical failures. This coverage can provide peace of mind and financial security in the event of unforeseen mechanical issues.
Roadside Assistance Coverage
Roadside assistance coverage provides assistance for minor breakdowns, such as jump-starts, tire changes, and fuel delivery. This coverage can help you avoid costly towing expenses and get back on the road quickly.
Loss of Income Coverage
Loss of income coverage provides financial compensation for lost income resulting from an interruption in your business operations due to a covered loss or damage to your commercial vehicle. This coverage is designed to mitigate the financial impact of vehicle-related downtime.
Commercial General Liability Insurance (CGL)
Comprehensive coverage against claims of bodily injury, property damage, and personal injury incurred during business operations. It protects businesses from legal liabilities arising from accidents, negligence, or contractual disputes.
Commercial Auto Insurance
Designed specifically for businesses that use vehicles for their operations. It covers liability, physical damage, and collision protection for company-owned vehicles and rented or leased vehicles.
Commercial Property Insurance
Protects business premises and assets, including buildings, inventory, equipment, and fixtures, against risks such as fire, theft, vandalism, and natural disasters.
Workers’ Compensation Insurance
Mandatory in most jurisdictions, covering medical expenses, lost wages, and disability benefits for employees who suffer work-related injuries or illnesses.
Cyber Liability Insurance
Provides protection against financial losses and legal liabilities arising from data breaches, cyberattacks, and privacy violations.
Professional Liability Insurance (Errors & Omissions)
Protects professionals, such as doctors, lawyers, architects, and accountants, against claims of negligence or errors in their professional services.
Employment Practices Liability Insurance (EPLI)
Shields businesses from lawsuits alleging unlawful employment practices, such as discrimination, harassment, wrongful termination, and retaliation.
directors and Officers (D&O) Liability Insurance
Protects directors and officers of companies from personal liability for alleged wrongful acts or decisions made in their leadership roles.
Fidelity Bonds
Provides coverage against financial losses resulting from employee dishonesty, fraud, or theft.
Commercial Umbrella Insurance: Extending Liability Protection
An excess liability policy that provides additional coverage above and beyond the limits of underlying liability policies, such as CGL and commercial auto insurance. It protects businesses against catastrophic losses and provides peace of mind.
Key Features of Commercial Umbrella Insurance:
- Provides excess liability coverage over primary policies
- Extends protection to multiple related businesses under a single policy
- Covers claims not covered by underlying policies or unexpected legal expenses
- Reduces the risk of personal assets being exposed to lawsuits
- Enhances the company’s financial stability and reputation
- Protects against legal costs and judgments that exceed the underlying policy limits
- Covers a wide range of risks, including bodily injury, property damage, and personal injury
- Provides peace of mind and protects the business from catastrophic losses
- Can be tailored to meet specific business needs and risk exposures
- Offers flexibility in coverage limits and deductibles
Coverage Options
Progressive offers various coverage options for commercial auto insurance, including:
- Liability coverage: Protects against financial responsibility for injuries or property damage caused to others.
- Collision coverage: Covers damage to the insured vehicle involved in a collision.
- Comprehensive coverage: Provides protection against non-collision-related damage, such as theft, vandalism, and natural disasters.
- Uninsured/Underinsured motorist coverage: Protects against damages caused by drivers without or with insufficient insurance.
Discounts and Savings
Progressive offers numerous discounts and savings options to help businesses reduce their commercial auto insurance premiums:
- Multi-policy discount: Save up to 15% on your commercial auto insurance policy by bundling it with other Progressive policies, such as general liability or workers’ compensation.
- Good driver discount: Receive a discount for maintaining a clean driving record and being accident-free for a specified period.
- Defensive driving course discount: Complete an approved defensive driving course to save up to 10% on your premium.
- Vehicle safety features discount: Vehicles equipped with safety features, such as anti-lock brakes and airbags, may qualify for a discount.
- Loyalty discount: Renewing your policy with Progressive for consecutive years can result in a loyalty discount.
- Paperless billing discount: Opt for paperless billing and payments to receive a small discount.
- New business discount: New customers may be eligible for a discount on their initial commercial auto insurance policy.
- Student discount: Businesses that employ student drivers may qualify for a discount on their policy.
- Fleet discount: Businesses with multiple vehicles can save money on their overall insurance costs by qualifying for a fleet discount.
- Telematics discount: Install a device in your vehicle that monitors driving habits to potentially earn a discount based on safe driving behaviors.
Add-On Coverages
In addition to the standard coverage options, Progressive offers various add-on coverages to tailor your policy to your specific business needs:
- Rental reimbursement coverage: Provides coverage for rental vehicle expenses while your insured vehicle is being repaired or replaced due to a covered loss.
- Roadside assistance coverage: Offers roadside assistance services, such as towing, flat tire changes, and battery boosts.
- Commercial general liability coverage endorsement: Extends liability coverage to include non-auto related incidents within the scope of your business.
- Employee benefits liability coverage endorsement: Provides liability protection for workplace injuries or illnesses sustained by employees.
- Hired and non-owned auto liability coverage endorsement: Protects businesses that hire or borrow vehicles that are not owned by the company.
Progressive’s Dedicated Support for Commercial Auto Insurance Policyholders
Progressive recognizes that commercial auto insurance needs extend beyond standard coverage options. Businesses require specialized support and tailored solutions to protect their vehicles and operations effectively. To meet these unique demands, Progressive offers a comprehensive suite of services and benefits:
1. 24/7 Claims Service
Progressive’s dedicated claims team is available around the clock to assist policyholders with accident reporting, claims processing, and repairs. They provide prompt and efficient guidance to minimize disruption to your business operations.
2. Nationwide Repair Network
Progressive has established a nationwide network of approved repair facilities to ensure your commercial vehicles receive high-quality repairs. These facilities adhere to Progressive’s standards, ensuring your vehicles return to the road in optimal condition.
3. Risk Management Services
Progressive offers complimentary risk management services to help businesses identify and mitigate potential hazards. Their team of experts provides tailored recommendations to enhance safety protocols and reduce the likelihood of accidents.
4. Customized Coverage Options
Progressive understands that every business has unique insurance needs. They offer a wide range of coverage options to tailor your policy to your specific requirements. From primary liability to comprehensive coverage, Progressive provides flexibility to protect your vehicles and assets.
5. Telematics Programs
Progressive offers telematics programs to monitor driver behavior and provide incentives for safe driving practices. These programs use GPS tracking and data analytics to offer discounts on premiums for businesses that maintain high safety standards.
6. Fleet Management Solutions
For businesses with multiple commercial vehicles, Progressive offers fleet management solutions that simplify insurance administration. They provide centralized billing, dedicated account representatives, and tailored coverage plans.
7. Commercial Vehicle Leasing
Progressive has partnered with leading commercial vehicle leasing companies to provide lease financing options. This allows businesses to acquire the vehicles they need without large upfront capital investments.
8. Ride-Hailing Insurance
Progressive offers specialized insurance solutions tailored to the unique needs of ride-hailing businesses. These policies provide coverage for drivers and passengers, as well as commercial vehicle requirements.
9. Business Auto Policies
Progressive’s business auto policies are designed to cover commercial vehicles, including box trucks, vans, pickups, and trailers. These policies offer a range of coverage options, including liability, collision, and comprehensive coverage.
10. Exceptional Customer Support
Progressive is committed to providing exceptional customer support to its commercial auto insurance policyholders. Their experienced team is available by phone, email, or online to answer questions, process claims, and make policy changes.
11. Additional Services and Benefits
Progressive offers a comprehensive suite of additional services and benefits, such as:
* Roadside assistance
* Towing and recovery services
* Rental car reimbursement
* Glass repair and replacement
* Tire repair and replacement
Commercial Auto Insurance Coverage Options
Progressive offers a wide range of coverage options for commercial auto insurance, including:
- Liability insurance
- Collision insurance
- Comprehensive insurance
- Uninsured and underinsured motorist coverage
- Medical payments coverage
- Rental reimbursement coverage
- Towing and labor coverage
- Roadside assistance coverage
Discounts and Savings
Progressive offers a number of discounts and savings on commercial auto insurance, including:
- Multi-vehicle discounts
- Safe driver discounts
- Loyalty discounts
- Telematics discounts
- Bundling discounts
Claims Handling
Progressive has a reputation for providing excellent claims handling services. The company offers a 24/7 claims hotline, and customers can file claims online or over the phone. Progressive also has a network of preferred repair shops that can help to get your vehicle back on the road quickly and efficiently.
Customer Service
Progressive has a team of dedicated customer service representatives who are available to help you with any questions or concerns you may have. You can contact customer service by phone, email, or chat.
Financial Strength
Progressive is a financially strong company with an A+ rating from AM Best. This means that the company is financially stable and has the resources to pay claims promptly.
Comparing Progressive with Other Commercial Auto Insurance Providers
Progressive is a leading provider of commercial auto insurance in the United States. However, there are a number of other providers that offer similar coverage and benefits. Some of the most popular alternatives to Progressive include:
- Geico
- State Farm
- Allstate
- Nationwide
Which Provider Is Right for You?
The best way to find the right commercial auto insurance provider for your business is to compare quotes from multiple insurers. Be sure to compare the coverage options, discounts, and customer service of each provider to find the best fit for your needs.
### 12. Additional Information
Here are some additional things to keep in mind when shopping for commercial auto insurance:
- Make sure you have the right coverage limits. Your insurance policy should provide enough coverage to protect your business from financial losses in the event of an accident.
- Choose a deductible that you can afford. The deductible is the amount of money you will have to pay out of pocket before your insurance coverage kicks in.
- Consider adding endorsements to your policy. Endorsements can provide additional coverage for specific risks, such as towing and labor or roadside assistance.
- Shop around for the best rates. Be sure to compare quotes from multiple insurers before making a decision.
Does Progressive Offer Commercial Auto Insurance?
Yes, Progressive offers commercial auto insurance. Its policies provide coverage for businesses that use vehicles for commercial purposes, protecting them from financial liability in the event of an accident.
Progressive’s Competitive Premiums for Commercial Auto Insurance
Progressive prides itself on offering competitive premiums for its commercial auto insurance policies. It understands that businesses need affordable insurance to protect their assets and employees. Progressive’s rates are determined by various factors, including the type of business, number of vehicles, and driving history.
Factors Considered in Determining Premium Rates
1. Business Type
The type of business is a significant factor in determining insurance premiums. For example, businesses that engage in high-risk activities, such as construction or trucking, may pay higher premiums than businesses with lower-risk activities, such as office work.
2. Number of Vehicles
The number of vehicles a business owns and operates is another factor that affects premiums. The more vehicles a business has, the higher the potential risk, which can lead to higher premiums.
3. Driving History
Progressive considers the driving history of the insured drivers when determining premiums. Drivers with clean driving records may qualify for lower premiums, while those with accidents or traffic violations may pay higher premiums.
4. Coverage Limits
The coverage limits chosen by a business also impact premiums. Higher coverage limits provide more protection but come at a higher cost. Businesses should determine the appropriate coverage limits based on their needs and risk tolerance.
5. Deductible
The deductible is the amount the business pays out-of-pocket before the insurance coverage kicks in. Lower deductibles result in higher premiums, while higher deductibles lead to lower premiums.
6. Business Credit Score
Progressive considers a business’s credit score in some cases. Businesses with strong credit scores may be eligible for lower premiums.
7. Experience Modifiers
Experience modifiers are used by Progressive to adjust premiums based on a business’s past claims history. Businesses with a history of accidents or claims may face higher experience modifiers, resulting in higher premiums.
8. Telematics
Progressive offers telematics devices that monitor driving habits. Businesses that install these devices may be eligible for discounts on their insurance premiums based on safe driving practices.
9. Discounts
Progressive offers various discounts for commercial auto insurance policies, such as discounts for multiple vehicles, accident-free driving, and online enrollment.
10. Payment Options
Progressive provides flexible payment options, including monthly installments and automatic payments, to help businesses manage their insurance expenses.
11. Claims Handling
Progressive has a dedicated claims team that assists businesses throughout the claims process, ensuring efficient resolution of claims.
12. Customer Service
Progressive offers excellent customer service, with multiple channels available for support, including phone, email, and online chat. Businesses can rely on Progressive’s knowledgeable and helpful staff for any questions or assistance.
13. Financial Strength
Progressive is a financially strong and stable insurance company with an “A+” rating from AM Best, indicating its ability to meet its financial obligations. This financial strength gives businesses peace of mind that their insurance coverage is reliable and secure.
Navigating Progressive’s Commercial Auto Insurance Claims Process
Progressive’s commercial auto insurance is designed to protect businesses from the financial consequences of vehicle-related accidents. Understanding the claims process is essential for businesses to maximize their recovery. Here is a detailed guide to navigating Progressive’s commercial auto insurance claims process:
1. Report the Accident
* Notify Progressive immediately after an accident. This can be done online, by phone, or through the Progressive mobile app.
* Provide the date, time, location, and details of the accident.
* Obtain a copy of the police report if one was generated.
2. Gather Documentation
* Collect evidence related to the accident, such as photos of the vehicles involved, property damage, and injuries.
* Gather witness statements if available.
* Obtain medical records and bills for any injuries.
* Collect repair estimates or invoices for vehicle damage.
3. Submit the Claim
* Submit the claim online, by phone, or through the Progressive mobile app.
* Provide all the necessary documentation to support the claim.
* Include a detailed account of the accident and the damages incurred.
4. Assignment of a Claims Adjuster
* Progressive will assign a claims adjuster to your case.
* The claims adjuster will be responsible for investigating the accident and determining the extent of coverage.
5. Investigation
* The claims adjuster will conduct an investigation to gather information about the accident.
* They may request additional documentation or arrange to inspect the damaged vehicles.
6. Coverage Determination
* The claims adjuster will review the coverage under your commercial auto insurance policy.
* They will determine the applicable limits and exclusions.
7. Offer Settlement
* Based on the investigation and coverage determination, Progressive will make a settlement offer.
* This offer may include compensation for vehicle repairs, property damage, medical expenses, and lost income.
8. Negotiation
* You can negotiate the settlement offer with Progressive.
* Provide additional documentation or evidence to support your request for a higher settlement.
9. Acceptance of Settlement
* If you accept the settlement offer, you will release Progressive from any further liability related to the accident.
* You will receive payment for the agreed-upon amount.
10. Vehicle Repairs
* If vehicle repairs are covered under the settlement, Progressive may arrange for the repairs to be completed.
* You can choose to have the repairs done at a preferred repair shop or obtain authorization from Progressive for other shops.
11. Medical Expenses
* Progressive will cover medical expenses related to the accident up to the limits of your policy.
* Submit all medical bills and documentation for reimbursement.
12. Rental Car
* If your vehicle is not drivable, Progressive may provide a rental car while your vehicle is being repaired.
* The rental car coverage limits and eligibility will vary depending on your policy.
13. Lost Income
* If the accident prevents you from working, Progressive may provide lost income benefits.
* Provide financial documentation to support your claim for lost income.
14. Subrogation
* If another party is at fault for the accident, Progressive may pursue subrogation.
* This means seeking reimbursement from the at-fault party’s insurance company.
* Progressive will subrogate on your behalf to recover the expenses they paid out for your claim.
15. Reopening a Claim
* You may need to reopen a claim if new information or evidence becomes available.
* Contact Progressive if you believe you have additional expenses or damages related to the accident.
Progressive’s Commitment to Risk Management and Loss Prevention
Progressive is dedicated not only to providing competitive commercial auto insurance coverage but also to helping businesses proactively manage risk and prevent losses. The company’s risk management and loss prevention programs are designed to identify and mitigate potential hazards before they can cause damage or injury.
1. Safety and Risk Assessments
Progressive conducts thorough safety and risk assessments for businesses to evaluate their operations, identify potential hazards, and develop customized mitigation plans. These assessments consider factors such as driver qualifications, vehicle maintenance, operating procedures, and workplace safety.
2. Driver Training and Education
Progressive provides comprehensive driver training programs to help businesses improve their drivers’ safety skills and reduce the risk of accidents. These programs cover topics such as defensive driving, safe vehicle operation, and accident prevention.
3. Vehicle Maintenance and Inspection
Progressive emphasizes the importance of regular vehicle maintenance and inspections to prevent breakdowns and accidents. The company offers guidance on maintenance schedules, inspection protocols, and other measures to keep vehicles in good condition.
4. Workplace Safety Programs
Progressive integrates workplace safety into its loss prevention initiatives. The company provides businesses with resources and guidance on implementing comprehensive workplace safety programs, including training, hazard identification, and emergency response plans.
5. Claims Management and Litigation Support
In the event of an accident or loss, Progressive’s claims management team works closely with businesses to ensure timely and fair resolution. The company also provides litigation support when necessary to protect clients’ interests.
6. Data Analytics and Reporting
Progressive uses advanced data analytics to identify trends and patterns that contribute to accidents and losses. The company provides businesses with detailed reports and insights that help them tailor their risk management strategies effectively.
7. Telematics and Monitoring
Progressive utilizes telematics and monitoring devices to track vehicle usage, driver behavior, and other data that can help businesses identify areas for improvement and reduce the likelihood of accidents.
8. Safety Awards and Recognition
Progressive recognizes businesses that demonstrate a strong commitment to safety and risk management. The company offers awards and incentives to acknowledge and encourage best practices in accident prevention and loss mitigation.
9. Partnerships and Alliances
Progressive collaborates with industry experts, safety organizations, and government agencies to stay abreast of the latest risk management trends and best practices. These partnerships help the company provide its clients with access to cutting-edge solutions and support.
10. Continuous Improvement and Innovation
Progressive continuously invests in research, development, and innovation to enhance its risk management and loss prevention offerings. The company explores new technologies and approaches to proactively address emerging risks and challenges faced by businesses.
Does Progressive Offer Commercial Auto Insurance?
Yes, Progressive offers commercial auto insurance.
Progressive Insurance offers a wide range of commercial auto insurance policies to protect businesses of all sizes. Whether you own a single truck or a fleet of vehicles, Progressive can provide you with the coverage you need to protect your assets and your business.
Progressive’s commercial auto insurance policies include:
Bodily injury liability
This coverage protects you if you are responsible for injuries to someone else in an accident.
Property damage liability
This coverage protects you if you are responsible for damage to someone else’s property in an accident.
Collision coverage
This coverage protects your vehicle from damage in an accident, regardless of who is at fault.
Comprehensive coverage
This coverage protects your vehicle from damage caused by events other than accidents, such as theft, vandalism, or fire.
Uninsured/underinsured motorist coverage
This coverage protects you if you are in an accident with a driver who does not have insurance or who does not have enough insurance to cover your damages.
To get a quote for commercial auto insurance from Progressive, you can visit their website, call them at 1-800-947-AUTO (2886), or contact your local Progressive agent.