Best Handyman Insurance Companies of 2022

Progressive commercial




Do-it-yourselfers who need coverage for their work vehicle should look to Progressive Commercial, the largest and most experienced commercial vehicle insurer in the country.

Advantages

  • Largest provider of commercial auto insurance in the United States

  • Covers commercial vehicles that are also used for personal transportation

  • Several discounts offered

  • Commercial auto coverage available in all 50 states

The inconvenients

  • High general liability premiums

  • Most other types of policies are underwritten by other companies

  • Limited coverage options outside of auto

Even if you use your personal vehicle to get to DIY jobs, you should have a commercial auto insurance policy in place. Most personal auto insurance doesn’t cover business activities, so if you have an accident while on the odometer, you’ll likely be responsible for the damage. As the largest commercial auto insurer in the United States, Progressive Commercial is the best choice for finding the right coverage.

Progressive Commercial insures cars, trucks, vans and just about any type of vehicle you might need to get you and your tools to work. Available coverages include liability, collision, comprehensive, uninsured/underinsured motorist, and more. If you’re towing a trailer, Progressive Commercial has coverage for that as well. Do-it-yourselfers who use their vehicle for personal and business purposes can get insurance for both through Progressive, helping ensure there are no gaps in coverage.

The prices are relatively low; according to the insurer, the average auto premium for contractors is $186 per month. There are several ways to save, including a grouping reduction if you combine a commercial auto insurance policy with general liability coverage. Progressive’s safe driving app, Snapshot, is also available to business customers who can save 5% for enrollment and up to an additional 18% based on their driving.

Other types of small business insurance are also available from Progressive Commercial, although most are underwritten by third parties. While these policies provide the basic protection you need as a DIYer, you may find there are fewer opportunities to customize coverage.

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