Progressive Commercial is one of the largest commercial auto insurers in the United States and a leading distributor of small-business insurance for tradespeople. For HVAC technicians, Progressive writes commercial auto directly and places general liability, Business Owner's Policy (BOP), workers' compensation, and professional/errors and omissions coverage through a network of select partner carriers under one quoting experience.
HVAC-specific coverage includes commercial auto for cargo vans, box trucks, and trailers used to haul condensers, furnaces, and refrigerant; general liability for bodily injury and property damage arising from service work; completed operations for claims after an install is finished; and workers' comp for techs injured on the job. BOPs bundle liability and property into a single policy at a discounted rate compared to buying them separately.
Pricing varies based on claims history, coverage needs, and risk exposure, so Progressive does not publish flat HVAC rates. The platform is best for HVAC shops that want a single brand covering their vans plus their liability stack, and Progressive's strength in commercial auto typically drives competitive fleet pricing for multi-vehicle HVAC operators.