Commercial auto and truck insurance from Progressive for owner-operators, for-hire carriers and small fleets, with online quotes, federal and state filings and 24/7 truck claims.
Services
Who it serves
Overview
Progressive Commercial is the business insurance arm of Progressive, the Ohio insurer founded in 1937. For trucking, it writes commercial auto and truck policies that cover liability, cargo, physical damage and several add-on protections that owner-operators and small fleets commonly need. It is an insurance carrier (underwriter) rather than an agency, although policies can be bought directly online, by phone, or through independent agents.
The company states that it has more than 50 years of experience in commercial lines and offers over 30 types of business liability and vehicle coverages. On its site it describes itself as the "#1 commercial truck insurer," citing S&P Global Market Intelligence written premium data. Its site also notes that policies are underwritten by affiliated and unaffiliated insurers, so the specific insuring company on a policy can vary.
Compare with other Insurance providers: Great West Casualty Company, Reliance Partners and Loadsure, or see all Insurance.
Services
Progressive's truck insurance page lists a wide range of truck types it will consider, including tractors, box trucks, dump trucks, flatbeds, refrigerated units, tow trucks, garbage trucks, Amazon Relay operations and Class 3 to 5 hotshot trucks. Trailers are covered separately.
Core coverages include primary liability (the FMCSA-required coverage for bodily injury and property damage to others, which the site notes is at least $750,000 for most trucks), motor truck cargo, and physical damage for the truck itself. Progressive also offers a Cargo Plus option that it says adds water, corrosion and rust protection to cargo coverage.
For owner-operators leased to a carrier, it offers non-trucking liability for personal use and bobtail coverage for business driving without a trailer. Other options include trailer interchange for trailers owned by others, truckers general liability for non-driving business risks, rental reimbursement with downtime, and heavy truck roadside assistance covering towing, winching, jump-starts, fuel delivery, lockouts and tire changes.
Progressive also handles state and federal filings that prove a carrier has the required coverage, and says filings are usually completed within 48 hours of the request. It offers two usage-based programs: Smart Haul, which uses data from a carrier's ELD, and Snapshot ProView for customers without an ELD. Businesses with three or more vehicles can get fleet management tools through Snapshot ProView.
Who it is for
The program is built mainly for for-hire truckers, owner-operators running under their own authority or leased on, and vocational haulers moving dirt, sand, gravel or logs. The site also lists private carriers, expediters, car haulers, household movers, agricultural haulers, towing operators and intermodal operators.
Online quoting is offered for trucking customers with nine or fewer trucks. Larger fleets are directed to Progressive Fleet, the fleet business Progressive built after acquiring Protective Insurance Corporation in 2021. Freight brokers looking for contingent cargo or broker liability will generally need a specialist agency instead, since Progressive's trucking pages focus on carriers that operate vehicles.
How working with them works
A carrier can start a quote online, call a truck insurance specialist, or work through an independent agent. Progressive asks that every truck and driver be listed, and that employees who drive be listed as permissive users. Rates depend on factors such as inspection history, coverage choices, vehicle type, cargo, operating radius and driving history.
Progressive says it does not use outside premium financing and offers payment plans and low down payment options. Discounts vary by state. Participation in Smart Haul means sharing ELD data, and the company notes that driving data can raise or lower renewal pricing, so carriers should read the program terms before enrolling.
Claims are handled around the clock. Progressive says it uses in-house adjusters for truck claims and has a network of heavy truck repair shops, with priority handling at pre-approved network shops. Claims can be reported by phone or online.
Questions to ask before you sign
Confirm which coverages are actually on the quote: auto liability limit, motor truck cargo limit and deductible, physical damage (stated amount or actual cash value), and any non-trucking liability or bobtail coverage if you are leased on. Ask whether trailer interchange and general liability are included or separate.
Ask for the cargo form and its exclusions in writing. Common gaps include unattended vehicle theft, reefer breakdown, specific commodities, and high-value loads. Ask whether Cargo Plus applies to your freight.
Ask which insuring company will write your policy and check its current AM Best financial strength rating yourself on the AM Best website, since Progressive notes that both affiliated and unaffiliated insurers are used.
Confirm the filings you need (for example the BMC-91X for federal liability, plus any state filings) and the expected turnaround. If you also broker freight under a separate authority, ask whether they can help with a BMC-84 bond or contingent coverage, or whether you need another provider.
Ask how a claim is reported after hours, who your adjuster will be, and how towing and repairs are coordinated if you are far from a network shop. If you are considering Smart Haul, ask exactly what data is shared and how it can affect renewal.
Company background
Progressive began as Progressive Mutual Insurance Company on March 10, 1937, founded by Cleveland lawyers Joseph Lewis and Jack Green. The company moved its headquarters from downtown Cleveland to Mayfield Village, Ohio, in 1974.
According to the company's history page, Progressive began offering commercial lines policies in 1971. In 2021 it acquired Protective Insurance Corporation, a transportation insurer dating to 1930, which was folded into the Commercial Lines business and later renamed Progressive Fleet. Progressive Commercial's trucking program sits within that broader commercial lines operation.
Sources
Information compiled from public sources. Last verified November 2026. Confirm details directly with the company.
