LinesCommercial auto, BOP, Auto, Home, Personal umbrella, Flood, Specialty
Agent portalYes
Quote APIYes
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | Commercial auto | Most states | Contractor target: vans, pickups and dump trucks used by light contractors such as painters, plumbers and landscapers (Progressive 2025 Form 10-K). |
| Transportation | Commercial auto | Most states | For-hire transportation target: tractors, trailers and straight trucks used by regional general freight, expeditor-type businesses and long-haul operators (2025 Form 10-K). |
| Retail | Commercial auto | Most states | Business auto target: autos, vans and pickups used by small businesses, for example in retailing, manufacturing and farming (2025 Form 10-K). |
| Personal auto | Auto | Most states | Personal auto is written in all states. Agents place it within Progressive's prescribed underwriting guidelines, and the agency channel was 43% of personal vehicle premium in 2025. Platinum agencies can write 12-month auto terms to bundle with property (2025 Form 10-K; Q2 2026 Form 10-Q). We found no public version of Progressive's eligibility guidelines. |
| Recreational vehicles | Specialty | Most states | Special lines cover motorcycles, ATVs, RVs and travel trailers, boats and personal watercraft, and snowmobiles, all quotable through independent agents per Progressive's agent page. Special lines are written in every state except DC (2025 Form 10-K). |
| Homeowners | Home | Most states | Personal property is written mainly through independent agents (72% of property premium in 2025) and the Platinum bundling program (nearly 6,000 agents). Since late 2025 Progressive has lifted some restrictions on older roofs, medium- to high-value homes and non-bundled homeowners in certain markets, but keeps them in coastal, wildfire and hail-prone markets (Q2 2026 Form 10-Q). Some policies are written by affiliated and third-party insurers. |
| Renters | Home | Most states | Progressive's personal property business writes renters and umbrella alongside homeowners, in both the agency and direct channels, and writes flood through the NFIP Write Your Own program (Q2 2026 Form 10-Q). Its agent page lists renters and condo among products agents can quote. |
How to quote Progressive
→Carrier portal. Quote directly in the Progressive agent portal.
→Quote API. Available to platforms and agencies with a direct integration.
Getting appointed
Agencies apply through the 'Become an agent' questionnaire linked from Progressive's partners page. Appointed agents quote and manage business on ForAgentsOnly.com.
Sources
- Progressive Corp. Form 10-K for fiscal 2025 (SEC)
- Progressive Commercial: Progressive websites (ForAgentsOnly)
- Progressive Developer Portal: Commercial Auto Quoting API onboarding (Nov 2023)
- Progressive: Partners page (Become an agent)
- Progressive Commercial: Contractors insurance
- Progressive: Independent insurance agents (products available through agents)
- Progressive Corp. Form 10-Q for Q2 2026 (SEC): personal property availability
- Progressive: Homeowners insurance (affiliated and third-party insurers)