Business Insurance

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    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.

    Types of business insurance

    From basic protection to specialized coverage, the Progressive Advantage® Business Program offers several types of commercial insurance so you can get the best combination of coverages for each stage of your business’s development.

    General Liability

    Most small businesses need this coverage. It guards against third-party claims that arise from your business operations. Sometimes people refer to this coverage as "business insurance."

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    Commercial Auto

    You need this coverage if you use your vehicles for business, such as traveling to job sites or making deliveries. It provides liability and physical damage protection for your business vehicles.

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    Workers' Compensation

    This coverage protects you and your employees. It helps pay for expenses, such as medical costs and lost wages, related to employees who become injured or ill on the job.

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    Professional Liability

    Professional liability coverage protects businesses that offer professional services or advice against claims of professional negligence. It’s also known as Errors and Omissions insurance (E&O).

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    Business Owners Policy (BOP)

    This coverage packages business liability and property coverage into one policy. It’s a common choice for small businesses with commercial buildings or personal property.

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    Cyber Insurance

    This coverage protects against electronic threats, such as data breaches. Businesses that store or process sensitive data, like credit card info, should consider this insurance.

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    Business insurance cost

    In 2021, the national median cost of business insurance for new Progressive customers ranged from $42 per month for professional liability to $68 per month for a business owners policy (BOP).

    Your cost is based on various 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 risk exposure is different and will be reflected in their rates.

    Discover more factors that influence business insurance cost 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 anytime.

    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, but 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

    From commercial property insurance to employee healthcare, we offer protection for the ways you run your business. Personalize your policy with the coverages that are right for you.

    WE ALSO OFFER

    Liquor liability insurance

    Liquor liability insurance is coverage for businesses that make, sell or serve alcoholic beverages. It's also known as dram shop insurance.

    Inland marine insurance

    Inland marine insurance is coverage for moveable property, such as tools, equipment and other goods. It protects items while in transit over land or stored away from your business.

    Employment practices liability insurance

    Employment practices liability insurance (EPLI) protects businesses against claims related to employee discrimination, sexual harassment and wrongful termination.

    Rideshare insurance

    Rideshare insurance is intended to fill the gaps between the insurance ridesharing companies like Uber or Lyft provide for their drivers and their drivers’ personal policies.

    Commercial property insurance

    Commercial property insurance protects commercial buildings and the moveable property your business owns and keeps onsite. It’s offered as part of a BOP.

    Excess and surplus lines insurance

    Excess and surplus lines is a market for high-risk professions that can't get general liability coverage in the admitted market. It’s also known as E&S insurance.

    Employee pet insurance benefit

    Employee pet insurance is a voluntary benefit that can help cover medical expenses for your employees’ pets.

    Health insurance

    Health insurance is a benefit that lets your business offer quality medical care to your employees and their dependents.

    Common questions about business insurance

    What does business insurance cover?

    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.

    Which coverages do I need?

    Each business has unique needs, but nearly all should consider general liability. It’s the most common coverage, protecting businesses against various 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.

    Why do I need business insurance?

    You need business insurance 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.

    Do I need business insurance if I’m a sole proprietor?

    Yes. As a matter of fact, sole proprietors are personally responsible for their business’s debts. In other words, 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.

    Can Progressive help me get business insurance in my state?

    Yes. Progressive can help you find a variety of business insurance coverages, including general liability, a business owners policy (BOP) and professional liability, in all states except Hawaii. Browse by state.

    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:

    Flexibility

    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.

    Convenience

    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

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