When it comes to protecting your business on the road, having a comprehensive understanding of your insurance options is essential. Progressive commercial auto insurance is designed specifically for businesses that depend on vehicles for their operations. This type of insurance not only provides the necessary coverage but also peace of mind for business owners. In this article, we’ll explore the various types of claims typically covered under Progressive commercial auto insurance.

1. Liability Coverage

One of the primary types of claims covered under Progressive commercial auto insurance is liability coverage. This is crucial for any business that uses vehicles for commercial purposes. Liability coverage protects your business in the event that your driver is responsible for causing an accident that results in injury to others or damage to their property. It generally includes:

• **Bodily Injury Liability**: Covers medical expenses, lost wages, and pain and suffering for the injured party.
• **Property Damage Liability**: Covers the costs to repair or replace someone else's property that was damaged in an accident.

2. Collision Coverage

Collision coverage is another important aspect of Progressive commercial auto insurance. This type of coverage helps pay for repairs to your vehicle after an accident, regardless of who was at fault. It can cover damages from:

• Colliding with another vehicle
• Hitting a stationary object, such as a fence or tree
• Rollovers

3. Comprehensive Coverage

Comprehensive coverage is crucial for protecting your business vehicles against non-collision related incidents. Under Progressive commercial auto insurance, this coverage typically includes claims for:

• Theft of the vehicle
• Vandalism
• Natural disasters, such as floods or hurricanes
• Fires

4. Uninsured/Underinsured Motorist Coverage

This type of coverage is essential for protecting your business in the event that you are involved in an accident with a driver who either has no insurance or insufficient insurance to cover the damages. Progressive commercial auto insurance ensures that your vehicles and drivers are protected against these types of risks, helping to cover costs such as:

• Medical expenses
• Vehicle repairs
• Lost wages due to injury

5. Medical Payments Coverage

Medical payments coverage can help cover the medical expenses for you and your passengers in the event of an accident, regardless of fault. This coverage typically includes:

• Hospital bills
• Emergency room visits
• Rehabilitation costs

6. Hired and Non-Owned Auto Coverage

For businesses that hire vehicles or use employee vehicles for business purposes, hired and non-owned auto coverage is essential. This protects your business against claims arising from accidents involving vehicles that are not owned by your company but are used for business activities.

Conclusion

Understanding the types of claims covered under Progressive commercial auto insurance is vital for any business that relies on vehicles for operations. By investing in comprehensive coverage that includes liability, collision, comprehensive, uninsured/underinsured motorist coverage, and more, you can safeguard your business against financial losses due to accidents and unexpected events. For more information on how to choose the right coverage for your business needs, consider reading our article on "Choosing the Right Commercial Auto Insurance".