New venture? Higher-risk driver? Progressive Commercial is built for that.
The country's number one commercial auto and truck insurer writes over 1,400 business types across five programs — established fleets and two-year-old outfits alike. Here's what the coverage does, what the Arkansas discounts actually come to, and what we do with it.
The short answer
Progressive is the largest commercial auto and truck insurer in the country, and it got there by writing the whole range rather than skimming the top of it — new ventures and higher-risk drivers alongside preferred ones. Over 1,400 business types across five programs. Liability from the state minimum up to $2 million CSL, physical damage deductibles from $100 to $5,000, and only one deductible per loss no matter how many of your vehicles are in it. Cribb Insurance Group places it on Progressive's own paper through our Progressive Commercial appointment.
A market that writes the whole range.
Plenty of commercial markets want three years in business and a spotless loss run before they'll return your call. Progressive built the biggest commercial auto book in America by not doing that.
Established companies, new ventures, higher-risk drivers, and preferred drivers with zero points — Progressive's commercial coverages are written for the range, not a slice of it.
If you've been turned away somewhere, start here.
This is the sentence worth reading twice, and it's Progressive's own description of its appetite: coverages available for a wide range of businesses, vehicles and drivers — including established companies, new ventures, higher-risk drivers, and preferred drivers with zero points.
In practice that means the two-year-old landscaping outfit in Springdale, the guy with one point on his record and a dump truck to insure, and the fifteen-truck fleet with a clean run are all quotable in the same place. Progressive's own framing is pricing that's fine-tuned for preferred risks and competitive for everyone else — which is a fairer description of a market than most carriers offer.
Every risk still goes through underwriting, and nobody is guaranteed a policy. But being newer or having a mark on the record doesn't end the conversation here the way it does in a lot of markets. That's worth knowing before you assume you're stuck with whatever you were quoted last.
Finding your program is most of the job.
Which of the five you land in drives your rate, your coverages and your filings — and it isn't always the obvious one. This is where an agent earns the introduction.
The vehicle supports the work
Services, retail, wholesale, restaurants, couriers, farming and livestock, food delivery. The truck isn't what you sell — it's how you get there, pick up supplies, and deliver your own goods.
Special trades and builders
Tradesmen doing repair, improvement, installation or maintenance at residential and commercial sites — and builders running whole projects who hire the special trades beneath them. Landscaping, snow removal and firewood have their own classes.
The truck is the business
Trucking for-hire and expediters. Dirt, sand and gravel; logging and log transport; waste haulers. Towing services, gas stations and auto repair. Where the vehicle is how you earn rather than how you arrive.
Hot shot has its own name here: Expediter.
Progressive classes it under For-Hire Transportation — package delivery, hot shot delivery, or heavy bulk shipments using vehicles over 16,000 pounds GVW, excluding tractors. Straight trucks, box trucks, and pickups with a trailer. The guide even uses the word "hotshotters" for pickups with a fifth-wheel hitch.
That's a carrier that knows the business exists and has built classes for it rather than trying to squeeze it into something adjacent. If that's your operation, our hot shot trucking page is built for the way it actually runs.
And a program for people who aren't a business at all.
Progressive's Non-Business class covers an applicant who uses every vehicle for personal use only and earns no income from any of them — but needs a commercial policy anyway, because the vehicle type isn't one a personal auto policy will take.
That's the dually. The big flatbed. The rig you bought because you've got twenty acres and equipment to move, not because you're hauling for hire. Personal lines says no and most people assume that's the end of it. It isn't — there's a door, and this is it. Same shape as the trailer question our travel trailer page handles: an ordinary thing sitting in a gap only an agent who writes both sides can see across.
What's on the policy.
| Coverage | What it does | Limits & rules |
|---|---|---|
| Bodily Injury & Property Damage (BI/PD) | Injuries, death, and property damage you're liable for, plus legal defense costs. | State minimum up to $2M CSL. Limits are the same for every vehicle on the policy. |
| Uninsured / Underinsured Motorist (UMBI/UIM) | What you can recover when the at-fault party has no coverage or not enough. | State minimum up to $2M CSL. Can't exceed your BI limit. |
| Uninsured Motorist Property Damage (UMPD) | Your vehicle, damaged by an at-fault uninsured driver. | State minimum up to $2M CSL. $200 deductible. Written alongside UMBI/UIM. |
| Collision & Comprehensive | Collision or overturn; and fire, theft, vandalism, windstorm, animal strike. | Deductibles $100–$5,000 — and one deductible per loss regardless of how many vehicles are involved. |
| Fire & Theft with Combined Additional Coverages | A named-perils alternative: fire, lightning, explosion, theft, windstorm, hail, earthquake, flood or rising water, vandalism, transport by a third party, animal strike. | Deductibles $100–$5,000. |
| Rental Reimbursement | A replacement vehicle while yours is out of service after a covered loss. | Up to 30 days. $30, $40 or $50/day; $70–$300/day available on some larger types. Requires Comp (or Fire & Theft) + Collision. |
| Financed Value | Included on stated amount vehicles. In a total loss, pays actual cash value or the loan balance, whichever is higher — up to the stated amount. | Included. |
| Loan/Lease Gap | The gap between actual cash value and what you owe a lender. | Available on symboled vehicles. Payment won't exceed 25% of actual cash value. |
| Comprehensive Only / Seasonal | Protects stored vehicles for businesses that don't run year-round. | By endorsement. Ask us to put liability back before you need it — it won't revert on its own. |
| Roadside Assistance | Tow to the nearest qualified repair facility, plus up to an hour of labor — jump-start, tire change, fuel delivery, locksmith. | Private passenger type vehicles and small utility trailers. Per-vehicle. |
One loss, one deductible — however many trucks are in it.
Progressive's rule: for each covered physical damage loss, only one deductible applies regardless of the number of covered vehicles involved.
That's a bigger deal than it reads. A hailstorm across a yard full of equipment is one loss. A chain reaction on I-49 that folds up three of your trucks is one loss. For a contractor running five vehicles at a $2,500 deductible, that's the difference between writing a check for $2,500 and writing one for $12,500 — on a day that's already bad enough.
Alongside it: small accident forgiveness, which prevents a renewal premium increase from a covered claim that pays $500 or less after the deductible. The little stuff stays little.
Two coverages that come free, automatically.
Individual Named Insured — included automatically and free of charge when the named insured is an individual choosing "personal" use for a listed private passenger auto. It extends excess liability to other non-owned passenger autos driven by you or a resident relative, and extends physical damage too if you bought it for that vehicle.
Transportation Expenses — also automatic and free where eligible. If an insured private passenger auto is stolen, it reimburses up to $30 per day to a $900 maximum, starting 48 hours after you report it. Comprehensive required.
Neither costs anything, and both go unclaimed all the time because nobody knew they were there. Now you do.
The savings, with the actual numbers.
Progressive publishes an Arkansas commercial auto savings schedule. Here it is the way Progressive states it — ranges as ranges, not rounded up to the flattering end.
| Discount | Savings | How you get it |
|---|---|---|
| Paid In Full | 17% annual 13% six-month | Pay in full at the time of application. The biggest single number on this table. Policies financed through an outside premium finance company aren't eligible — worth knowing before you finance. |
| Electronic Funds Transfer | 2%–5% liability 5%–7% physical damage | Select an EFT bill plan. Available to certain business types. |
| Snapshot® ProView | 5%–8% or more | Share driving data at enrollment. Brings safe-driving reporting and a fleet dashboard with it. |
| Multi-Product | 0%–5% liability 0%–8% collision 5%–10% comprehensive | Fewer than 10 power units and an in-force GL, business owners, garage liability, or tow/trucking GL policy. Current declarations page required. Varies by business type. |
| Smart Haul® | 5% or more 3% | For-hire trucking with an ELD. Preferred vendor: at least 5%, and an established safety record can reach 15% or more. Non-preferred vendor: 3%. Savings locked for the policy period. |
| Smart Haul® + Dashcam | +10% | An ELD and a qualified AI dashcam from Motive, Progressive's preferred vendor. Stacks on top of Smart Haul. Also locked for the policy period. |
| Proof of Prior Insurance | Additional savings | Continuous liability or physical damage coverage for at least one year. |
Stack the ones that stack.
A for-hire operation running a preferred-vendor ELD and a Motive dashcam, paying annually in full, is looking at 17% plus 5% or more plus another 10% — before EFT and Multi-Product are even in the conversation. That's not a rounding error on a truck policy.
And the Multi-Product discount is the one people leave on the table, because it lives on a different policy than the one it discounts. Fewer than 10 power units plus an in-force GL or BOP earns up to 10% off your comprehensive — but only if someone notices you qualify and produces the declarations page. If your liability is at one agency and your trucks are at another, nobody's job is to notice. Under one roof, it's ours.
Your stated amount deserves ten minutes a year.
This is the most useful thing on the page for anyone who owns something bigger than a pickup — and the thing we'd most like to do with you at renewal.
Progressive assigns a year/make/model symbol to most private passenger autos, vans and pickup trucks carrying up to $2,000 of permanently-attached equipment. Those settle at actual cash value plus up to $2,000 for the attached equipment, and Progressive handles the valuation.
Everything else uses a stated amount — dump trucks, flatbeds, box trucks, tractors, tow trucks, bucket trucks, cement mixers, most trailers. You set the number: current retail value, including any permanently-attached equipment, taking condition, mileage, location, upgrades and any major component rebuilds into account.
Progressive doesn't automatically depreciate it. That's in your favor — and it makes the number yours.
A carrier that auto-depreciates your stated amount is quietly reducing your coverage every year without asking. Progressive doesn't do that. Your number stays where you put it until you move it.
The flip side is that keeping it accurate is your job, and Progressive says so directly — review and modify stated amounts prior to renewal to ensure they remain accurate. It matters because in a total loss the policy pays the least of the stated amount, the actual cash value, or the cost to repair or replace. An accurate number is what makes sure the coverage you're paying for is the coverage you'd actually collect.
Almost nobody does this. It takes ten minutes, it costs nothing, and it is exactly the sort of thing that's supposed to happen when you have an agent instead of a website. We'll walk your equipment list with you every renewal. Just ask.
And Financed Value is included on stated amount vehicles: in a total loss, Progressive pays actual cash value or the amount owed on the loan, whichever is higher, up to the stated amount. On symboled vehicles, Loan/Lease Gap covers the gap between actual cash value and the loan balance, with payment not exceeding 25% of actual cash value. Between the two, a financed truck has a real answer either way.
The part that decides whether any of this was worth it.
On May 1, 2026, AM Best affirmed the Financial Strength Rating of A+ (Superior) and the Long-Term Issuer Credit Rating of aa for the members of The Progressive Corporation, with a stable outlook.
But financial strength only answers whether a carrier can pay. On commercial auto, the more useful question is what happens the morning after, and this is where Progressive has visibly spent the money:
- Over 10,000 claims representatives, including heavy truck experts, available 24/7 at 1-800-274-4499.
- An industry-leading training facility built specifically to give claims reps hands-on experience with commercial auto physical damage. Not general auto — commercial.
- A dedicated team of commercial auto field specialists for high-exposure property damage claims, with experience in large vehicle repair and expertise in train and bridge collisions, working out of multiple offices for fast response.
That last one is a strange and specific thing to have built. It exists because someone at Progressive did the math on what happens when a truck meets a bridge, and decided the answer shouldn't be a generalist adjuster and a phone tree.
And they smooth their own rate changes on purpose.
Straight from the guide: so that customers experience fewer rate fluctuations over time, Progressive will not apply all of its rating changes at one renewal — it applies them gradually instead.
That's a carrier choosing predictability for you over speed for itself, and it's the kind of thing that never gets advertised because it's invisible when it's working. If you've ever opened a renewal and found a number you couldn't plan around, you know why it's worth naming.
What we add, and what we don't.
We don't adjust your claim and we can't overrule an adjuster. We'd rather be straight about that than let you find out at the worst moment — and when the vehicle is how you earn, the worst moment costs you every day it lasts.
What we do: review your stated amounts before renewal so the number means something, make sure you're in the right program and getting every discount you qualify for, tell you whether a claim is worth filing before you file it, and chase the file when it stalls. And if Progressive ever stops being the right home for your fleet, we'll move you — that's the part a captive agent structurally cannot do.
The policies around this one.
Arkansas commercial auto questions.
Can I get commercial auto insurance if my business is brand new?
Yes, and this is one of the real reasons to look at Progressive Commercial. Progressive describes its commercial coverages as available for a wide range of businesses, vehicles and drivers — established companies, new ventures, higher-risk drivers, and preferred drivers with zero points alike. That's an unusual sentence in commercial insurance, where a lot of markets quietly want three years in business and a clean loss run before they'll talk to you.
Progressive is the largest commercial auto and truck insurer in the country and it got there by writing the whole range rather than skimming the top of it. Every risk still goes through underwriting and nobody is guaranteed a policy. But if you've been turned away somewhere else because you're two years in, this is a door worth trying.
What kinds of businesses can Progressive Commercial write in Arkansas?
Over 1,400 business types across five programs. Business Auto covers operations where the vehicle supports the work — services, retail, wholesale, restaurants, couriers, farming and livestock, food delivery. Contractor covers special trade contractors and general trade builders. For-Hire Transportation covers trucking and expediters, which is where hot shot lives. For-Hire Specialty covers dirt, sand and gravel, logging, and waste haulers. Tow covers towing services and auto repair.
There's also a Non-Business class for people who aren't a business at all but own a vehicle personal auto won't take. Which program you land in drives your rate, your coverages, and your filings, and it is not always the obvious one — which is most of why it's worth having an agent pick.
What discounts are available on Progressive commercial auto in Arkansas?
Paying the annual premium in full earns 17%, or 13% on a six-month policy — though policies financed through an outside premium finance company aren't eligible. Electronic funds transfer earns 2% to 5% on liability and 5% to 7% on physical damage. Snapshot ProView, which shares driving data, earns 5% to 8% or more at enrollment.
The Multi-Product discount earns 0% to 5% on liability, 0% to 8% on collision, and 5% to 10% on comprehensive when there are fewer than 10 power units and the named insured holds an in-force general liability, business owners, garage liability, or tow or trucking GL policy. For-hire trucking with an electronic logging device can add Smart Haul: at least 5% with a preferred vendor device, and an established safety record can reach 15% or more. Add a qualified AI dashcam and that's another 10%. Savings vary by coverage, program, business type and state.
If two of my trucks are damaged in the same accident, do I pay two deductibles?
No. Progressive's rule is that for each covered physical damage loss, only one deductible applies regardless of the number of covered vehicles involved. That's better than it sounds. A hail event across a yard full of equipment is one loss and one deductible. A chain reaction that folds up three of your trucks is one loss and one deductible.
For a contractor running five vehicles at a $2,500 deductible, that's the difference between a $2,500 claim and a $12,500 one. Progressive also carries small accident forgiveness, which prevents a renewal premium increase from a covered claim paying $500 or less after the deductible.
How should I set the stated amount on my truck?
At its current retail value, including any permanently-attached equipment — and then review it every year. Anything that isn't a car, van or pickup rates on stated amount rather than on a Progressive-assigned symbol.
Progressive does not automatically depreciate that number, which is a good thing: your carrier isn't quietly reducing your coverage behind your back. But it does make the number yours to maintain. In a total loss, the policy pays the least of the stated amount, the actual cash value, or the cost to repair or replace — so an accurate stated amount is what makes sure the coverage you're paying for is the coverage you'd actually collect. Progressive also includes Financed Value coverage on stated amount vehicles, paying actual cash value or the loan balance, whichever is higher, up to the stated amount. Reviewing your stated amounts takes ten minutes at renewal and we'll do it with you.
Is Progressive good at commercial auto claims?
It's the part of the operation they've invested in most visibly. Progressive runs over 10,000 claims representatives including heavy truck experts, an industry-leading training facility built specifically for commercial auto physical damage, and a dedicated team of commercial auto field specialists for high-exposure property damage claims — people with experience in large vehicle repair and in train and bridge collisions, working out of multiple offices for fast response.
Claims run 24/7 at 1-800-274-4499. AM Best affirmed the members of The Progressive Corporation at A+ (Superior) with a stable outlook on May 1, 2026.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas businesses can find our local explanations.
Let's find your program and your discounts.
Send us your declarations page and tell us what you drive and what you haul. We'll make sure you're in the right one of the five programs, walk your stated amounts so the numbers mean something, and stack every Arkansas discount you actually qualify for. Progressive is one of 40+ carriers we represent — so if it's the right home for your fleet we'll tell you, and if it isn't, we'll tell you that too.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Progressive, and this page is not endorsed, sponsored, reviewed, or approved by Progressive. “Progressive,” “Snapshot,” “Smart Haul,” and related marks are trademarks of Progressive Casualty Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Progressive commercial auto policies placed by this agency are issued by Progressive affiliates. Motive is a trademark of its owner and is referenced only as the vendor Progressive identifies as preferred; no affiliation or endorsement is implied.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverages, limits, deductibles, discounts, program terms, eligibility and availability vary by body type, business type, state, policy, and over time, are subject to underwriting approval, and are subject to the terms, conditions, limits and exclusions of the policy actually issued. Limits described may not be available for all body types or business types. Descriptions of Progressive's appetite are general and are not a representation that any particular business, vehicle or driver will be accepted; all risks are subject to underwriting. If anything on this page conflicts with the issued policy, the policy controls.
Statements about stated amount describe how the coverage is defined and are not a representation of what any particular claim will pay. Determining the appropriate stated amount is the customer's responsibility; nothing on this page is a valuation, an appraisal, or advice about what amount to state. Discount percentages shown are Progressive's published Arkansas figures as of this page's review date, are subject to change, may vary by coverage, program, business type and state, and are not guaranteed; actual savings depend on eligibility and on your policy. Discounts do not stack in every combination — ask us what applies to you.
This page does not state Arkansas's minimum commercial auto liability limits and none should be inferred from any other page on this site; personal auto minimums do not necessarily apply to commercial vehicles. Operations subject to federal or state financial-responsibility filing requirements are governed by those requirements, which are not described here — ask us.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. Rates and premiums are not quoted on this page.
Last reviewed July 2026.