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  1. Progressive Commercial Insurance Homepage
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  3. Business Insurance Basics

Business Insurance Basics

Explore essential business insurance resources

  • Benefits of commercial general liability insurance
  • Commercial vs. personal auto insurance
  • General liability vs. professional liability insurance
  • Claims-made vs. occurrence
  • Accident checklist
  • How do I get cheap commercial auto insurance?
  • How to get business insurance
  • Getting a business insurance quote
  • Cheap business insurance
  • COI for contractors
  • Employers liability insurance
  • What is public liability insurance?
  • Certificate of insurance (COI)
  • How much does business insurance cost?
  • Box truck insurance cost
  • Business insurance for S corp
  • What is accounts receivable insurance?

Auto

Bundle discount! Save on auto when you add property

Bundle discount! Save on auto when you add property

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Commercial insurance options

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What it is:

Workers' compensation helps employees who get hurt or sick because of their job. It can also protect employers from lawsuits related to these claims. It's required in most states.

What it can cover:

  • Medical expenses
  • Lost wages
  • Disability benefits
  • Rehabilitation costs
Learn more about workers’ compensation

Protect yourself from damage, theft, and more

With renters insurance, your belongings are protected whether they're in your apartment, backseat, or storage locker. Plus, if you can't stay in your residence due to a covered incident, we'll help pay for your temporary living expenses. Get covered today.

Why Progressive?: You can get a renters policy for less than $1 per day.‡‡

Learn more about renters

What it is:

Professional liability insurance protects businesses that provide advice and services against claims related to their work.

What it can cover:

  • Errors and omissions
  • Incorrect advice
  • Claims of negligence

What it doesn't cover:

Professional liability insurance doesn't cover physical injury or property damage. General liability can help with those risks. Some businesses will need both coverages.

Learn more about professional liability

Ride with the #1 bike insurer starting at $75/year§

If you enjoy the freedom of the open road, then you'll love the freedom of choice we give you with our coverages. Start your quote now and create a custom policy that protects your ride wherever the road takes you.

Why Progressive?: Your bike will stay just the way you like it. We use OEM parts for all repairs.

Learn more about motorcycle

Build a mobile home policy that works for you

With a range of coverages and deductible options to choose from, you can easily create an insurance policy that protects your mobile home and works with your budget. Start building your policy today.

Why Progressive?: We offer specialized protection to cover porches, garages, gazebos, and more.

Learn more about mobile home

Safeguard your most valuable asset

Protect your home, belongings, and financial security with homeowners insurance. With a variety of coverages, and plenty of ways to save, you can create a policy that keeps your home safe and fits your budget. Get a quote today.

Why Progressive?: You can instantly compare rates and coverages from multiple companies side-by-side to find the right policy for you.

Learn more about homeowners

What it is:

General liability insurance is a popular choice for business owners. It can help with common third-party claims and lawsuits related to your day-to-day operations.

What it can cover:

  • Bodily injury and property damage
  • Personal and advertising injury
  • Medical payments
  • Products and completed work
  • Damage to rented premises

What it doesn't cover:

General liability insurance doesn't cover property, but a business owners policy can. Claims tied to professional advice or services may need professional liability insurance.

Learn more about general liability

Cover yourself for everything your condo association doesn't

Your home's structure may be protected, but what about everything inside? With condo insurance, you can be covered for theft, damage, and more. Get a quote today for greater peace of mind.

Why Progressive?: We cover your belongings, temporary living expenses, home upgrades, and more so you don’t have to worry about gaps in coverage.

Learn more about condo

What it is:

Commercial auto insurance can help cover claims related to work vehicles. If you rely on cars, pickups, or vans, you may need a commercial policy since personal auto insurance typically doesn't cover business use.

What it can cover:

  • Third-party bodily injury and property damage
  • Driver and passenger injuries
  • Damage to your vehicle
  • Roadside assistance
Learn more about commercial auto

What it is:

Business insurance is a broad term for different coverages. Policies can be tailored to fit your needs, with options for injuries, property damage, cyber risks, and professional mistakes.

What it can include:

  • General liability
  • Business owners policies (BOPs)
  • Professional liability
  • Cyber Insurance
  • Workers' compensation
Learn more about business insurance

What it is:

A BOP combines general liability protections with property coverage. This flexible policy is a good fit for businesses that own or rent property.

What it can cover:

  • Third-party liability
  • Business interruption
  • Buildings
  • Tools, equipment, and supplies
Learn more about business owners policies

Quote now & get covered for as low as $100/year**

With Progressive, you can take your boat to any lake or river, plus ocean waters within 75 miles of the coast. And we offer a variety of coverages to protect your boat and the good times that come with it. Quote now to get started.

Why Progressive?: With on-water towing, fuel spill removal, mechanical breakdown coverage, and more, you can float on without worry.

Learn more about boat

Over $900 average savings for new customers who save*

With Progressive auto insurance, you'll enjoy affordable coverage options and a variety of discounts. Plus, you can get a quote in just a few minutes – get started now and enjoy peace of mind behind the wheel.

Why Progressive?: We guarantee repairs for as long as you own or lease your vehicle when you take it to one of our network shops.

Learn more about auto

Bundle and save an average of 7% on auto in most states!Δ

Simply quote auto and homeowners insurance and you could earn a multi-policy discount.Δ Plus, with both policies under one roof, you can update or make changes to your insurance with ease. Quote now to get started.

Learn more about bundling

Bundle and save an average of 7% on auto in most states!Δ

When you combine Progressive auto and condo insurance, you could earn a multi-policy discount.Δ And with those extra savings comes the convenience of managing both your policies through one company. Quote now to see the savings.

Learn more about bundling

Bundle and save an average of 3% on auto in most states!Δ

With both an auto and renters policy, you could earn a multi-policy discount.Δ Plus, you'll enjoy the convenience of having both policies under the same roof. Quote now to enjoy the extra savings and ease of bundled insurance.

Learn more about bundling

Bundle discount! Save on auto when you add property

Bundle discount! Save on auto when you add property

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