When running a business that relies on vehicles, having the right insurance coverage is crucial. One common question among business owners is whether Progressive commercial auto insurance covers towing expenses. This article aims to clarify this aspect of your insurance policy.

Understanding Progressive Commercial Auto Insurance

Progressive commercial auto insurance provides coverage for vehicles used in business operations. This includes liability coverage for accidents, physical damage to your vehicles, and other essential protections against various risks. However, not all policies are created equal, and coverage details can vary based on the specific plan you choose.

Towing Coverage Explained

Towing coverage can be an important component of your commercial auto insurance. It helps cover the costs of towing your vehicle when it breaks down or is involved in an accident. However, the inclusion of this coverage is not universal. With Progressive commercial auto insurance, towing expenses are typically covered under the optional roadside assistance add-on. This means that without this additional coverage, you may be responsible for these costs out of pocket.

What Does Roadside Assistance Include?

When you opt for roadside assistance with your Progressive commercial auto insurance, it generally includes:

• Towing services to the nearest repair facility.
• Fuel delivery if you run out of gas.
• Lockout assistance if you're locked out of your vehicle.
• Flat tire changes.

These services can be invaluable, especially for businesses that depend heavily on their vehicles to maintain operations. The costs saved through roadside assistance can often outweigh the additional premium for this coverage.

Evaluating Your Business Needs

Before deciding on whether to add towing coverage to your plan, consider the nature of your business. If your operations frequently involve traveling long distances or rely heavily on commercial vehicles, it might be wise to invest in Progressive commercial auto insurance with roadside assistance.

Conversely, if your vehicles are mostly used locally and you have a reliable network of support, you may feel comfortable forgoing this coverage. Always assess potential risks and weigh them against your insurance options.

How to Add Towing Coverage

Adding towing coverage to your Progressive commercial auto insurance policy is a straightforward process. You can contact your Progressive agent or log into your online account to review your current policy. From there, you can choose to add or modify your roadside assistance options. Be sure to ask any questions you have about the coverage limits and what is specifically included in the policy.

Conclusion

In summary, Progressive commercial auto insurance does not automatically include towing expenses; however, you can add this crucial coverage through roadside assistance. Assess your business's unique needs to determine if this addition is right for you. The peace of mind that comes with knowing help is just a call away can be invaluable for any business owner.

For more information on commercial auto insurance options or related topics, check out our articles on best practices for insuring your business vehicles and how to choose the right commercial auto insurance policy.