Business Insurance | Progressive Commercial

Choose from a variety of commercial business insurance options

Business insurance protects your small business from financial damages that can result from accidents, property damage, professional errors, workers compensation claims and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.

Business insurance cost

In 2019, the national average cost of a new 12-month business insurance policy through the Progressive Advantage® Business Program ranged from $46 a month for professional liability to $85 a month for workers’ compensation.

Your cost is based on a variety of factors including the industry you’re in and the specific types of jobs you do. For example, one landscaping company might only mow lawns, while another offers additional services such as tree trimming. They’re both landscapers, but their exposure to risk is different and will be reflected in their rates.

Discover more factors that influence business insurance rates and what you can do to get the coverage you need at the best price.

Customized coverage

We offer customized coverage that matches your business’s level of exposure to certain risks. A customized policy includes the coverages you need, with limits that match your specific requirements. Customized coverage is flexible, so if your situation changes – or you simply change your mind – you can update your policy any time.

Be wary of “one-size fits all” policies. They can have gaps in coverage that leave you exposed. For example: You might assume general liability covers any type of business liability; it doesn’t. Learn the differences between general liability and professional liability insurance.

We focus on customizing your policy upfront to avoid these types of problems and so you can feel confident you’re getting the right insurance the first time.

Additional business insurance products

Liquor Liability Insurance

You should have liquor liability insurance added to your policy if your business makes, sells or serves alcoholic beverages. This is sometimes referred to as dram shop insurance.

Inland Marine Insurance

Originating from the early shipping industry, this is coverage for movable property, equipment, tools, supplies and various other goods during transport over land.

Employment Practices Liability Insurance

Also known as EPLI, it protects against claims related to employee discrimination, sexual harassment and wrongful termination.

Rideshare Insurance

Insurance intended to fill the gaps between the insurance ridesharing companies provide for their drivers and their drivers’ own personal policies. You should consider this coverage if you drive for a rideshare service like Uber or Lyft.

Commercial Property Insurance

Also called business property insurance, it protects commercial buildings and moveable property your business owns. It’s offered as a part of a BOP.

Health Insurance

A benefit that lets your business to offer quality medical care to your employees and their dependents.

Employee Pet Insurance Benefit

A voluntary benefit that employees can opt in to which helps cover their pets’ medical expenses.

Excess and Surplus Insurance

Insurance for businesses who can’t get coverage in the admitted market. This includes new ventures and businesses with unusually high risk. It’s also known as E&S insurance.

Common questions

Business insurance isn’t a specific coverage. It’s a term used to describe one or more individual coverages that protect a small business. The range of protection depends on the specific coverages a business carries. For example, “business insurance” can refer to a single coverage, such as general liability, but it can also include many more.

Each business has unique needs, but nearly all should consider general liability. It’s the most common coverage, protecting businesses against a wide variety of situations involving third-party injuries or property damage (e.g. slip and falls, broken windows).

If you or your employees drive for work-related tasks, you’ll probably need commercial auto insurance. Most states require that you carry workers’ compensation if you have employees.

You need it to protect against severe financial loss. Without it, your business could be crippled by a single incident. For example, a customer was injured and you’re legally responsible. Without insurance, the medical bills and legal fees could become impossible to afford. Don’t let this happen to you.

Yes. As a matter of fact, sole proprietors are personally responsible for their business’s debts. This means their personal assets, such as bank accounts or property, might be targeted to satisfy an outstanding business debt. Accidents are unavoidable, but the financial impact they can cause is something you should plan for no matter how small your business is.

Progressive can help you get business insurance in the following states:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Let us help you with a business insurance quote

We want you to feel confident and secure with your small business insurance. Here’s just a few of the many reasons you should choose us to help you find the best insurance for your business.


We can help you secure coverage at any stage of your business’s development and offer the flexibility to adjust coverages as your business grows. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.


We offer several ways to get customized business insurance. You can start a quote online, by phone, or through a local agent. Updating your policy is easy, and we can usually activate your request the same day you make it.

Expert Support

As an experienced business insurance provider and the #1 Commercial Auto Insurer in America*, you can be confident in our support. Our team of specially trained, in-house agents can help you every step of the way to make sure you’re getting the best coverage for your business today, and tomorrow.

More information

*No. 1 commercial auto insurer from SNL Financial’s 2019 national written premium data.

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