Progressive Commercial review for insurance agents: E&O cost, coverage and policy terms
E&O for agents pays your defense and any settlement when a client claims your mistake cost them money. Progressive Commercial lets agents and agencies start an E&O quote online or by phone through Progressive's own insurance agency.
That agency then finds a Progressive company or an outside insurer to write the policy.
- Best for
- Agents and small agencies that want an E&O quote online or by phone alongside other business coverage
- Price
- Quote only
- Insurer
- A Progressive company or an outside insurer, named on your quote
Our take
Progressive is convenient if you already buy business coverage there and want E&O on the same account. Quoting is quick, and you can bind right away.
The catch is that you won't know the insurer or the policy terms until you quote. Check whether defense reduces your limit, and confirm the retroactive date before you bind.
Pros
- Quote online or by phone
- Bind right away
- General liability and workers compensation from the same place
Cons
- Insurer and terms unknown until you quote
- Not offered in Hawaii
- Claims go to the insurer, not Progressive's agency
Who can buy
- Who can buy
- Individual insurance agents and agencies
- States
- Every state except Hawaii
- What you share
- Location, owner experience, years in business, sales, staff, payroll, contractor costs, the limit and deductible you want and five years of claims
- Membership required
- No
What it costs
- How it's priced
- Progressive's agency looks for at least one insurer to quote you, then shows the price
- What sets the price
- Your sales, staff, payroll, claims history and the limit and deductible you choose
Insurer and admitted status
- Issuing insurer
- A Progressive company or an unaffiliated insurer. Your quote names it
- Admitted
- Depends on the insurer. Ask whether the quote is admitted, which means a state guaranty fund backs it
- Agency
- Progressive Advantage Agency, Inc., part of The Progressive Corporation
Policy form, prior acts and tail
Progressive says most professional liability is claims-made, which means the policy in force when a claim is made pays it. A retroactive date can extend coverage to work you did before you bought the policy.
Ask for a retroactive date that matches your current policy. That keeps your past work covered when you switch. The quoted policy sets the final terms.
Limits, deductibles and defense
- Limits and deductible
- You pick them during the quote
- Defense costs
- Progressive says professional liability can pay damages and defense up to the policy limit, which means defense may reduce the limit. Check your quote
Who the policy covers
- Employees
- Covered while on the job, per Progressive's general description
- Contractors
- Your business can be covered when a contractor's work leads to a claim against you. Contractors usually need their own policy
Included and optional coverage
| Coverage | How it's sold | Limit |
|---|---|---|
| General liability | Separate policy | Set in the quote |
| Business owners policy | Separate policy | Set in the quote |
| Workers compensation | Separate policy | Set in the quote |
How to apply
Start a quote
Go online or call a licensed Progressive Commercial agent at 888-806-9598.
Answer the questions
Business details, sales, payroll, staff and five years of claims.
Review the quote
Check the insurer, limit, deductible and retroactive date.
Bind and get proof
You can bind right away, and proof of insurance usually follows.
Claims and risk management
- How to report
- Follow the claim steps from the insurer on your policy
- Claims handled by
- The issuing insurer, not Progressive's agency
Progressive Commercial alternatives
- InsureonQuote onlyOnline broker comparing quotes from several insurers
- HiscoxQuote onlyInsurer selling E&O direct online
- NAPA E&OFrom $680 a year, solo P&C, $1M/$1M, $5,000 deductiblePublished P&C and life and health prices
- PIA Agency InsuranceQuote onlyAssociation broker for independent agencies
- Big I Professional LiabilityQuote onlySwiss Re program built for independent agencies
See every option in E&O insurance for insurance agents.
Frequently asked questions
How much does Progressive agent E&O cost?
It's quoted for each agency. Sales, staff, payroll, claims history and the limit you pick set the price.
Does Progressive insure the policy itself?
Sometimes. The insurer may be a Progressive company or an unaffiliated one, and the quote names it.
Which states can buy?
Every state except Hawaii.
How fast can I get proof of insurance?
You can bind right after you quote, and proof of insurance is usually sent once coverage is bound.
How we researched this review. We based this review on the terms and product pages published by Progressive Commercial, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Progressive Commercial quit selling or a contract term that reads different now, let us know and send the link to the page where Progressive Commercial has it. Somebody here pulls up that page and checks it before we change anything on ours.