Whether you need coverage because you drive for Uber or Lyft, run a food truck, or operate a small business, it’s important to compare commercial insurance options before signing up for a policy. You can start by comparing quotes, and once you’ve narrowed down your options, researching the company’s reputation.
You may come across United Financial Casualty Company as you search for the best car insurance for your business. United Financial Casualty Company is the subsidiary of the Progressive Corporation that operates Progressive’s commercial insurance lines.
This United Financial Casualty Company review will explain what the company offers and help you decide if it’s a good fit for your insurance needs.
- What is United Financial Casualty Company?
- What insurance products does United Financial Casualty offer?
- How does United Financial Casualty Company auto insurance work?
- FAQs about United Financial Casualty Company
- How to get started with United Financial Casualty Company
- How to cancel United Financial Casualty Company auto insurance
- Bottom line
What is United Financial Casualty Company?
United Financial Casualty Co. is a subsidiary of Progressive Commercial Holdings, Inc., a Progressive Company. United Financial handles Progressive’s commercial auto and business insurance lines. It was founded in 1984 and is headquartered in Cleveland, Ohio.
Progressive is the largest commercial auto insurer in the U.S. by market share, insuring more than one million commercial vehicles nationwide. Hundreds of thousands of small businesses use Progressive to get commercial vehicle coverage.
The company has a great reputation for financial strength — in 2020, it received an A+ (Superior) rating for financial strength from AM Best, an independent rating agency focused on the insurance industry.
However, United Financial Casualty was not rated in J.D. Power’s 2020 U.S. Small Commercial Insurance Study. The J.D. Power study ranked top insurers for overall customer satisfaction.
The company also had more than double the number of complaints expected with the National Association of Insurance Commissioners (NAIC) in 2020, which draws concern about its commitment to customer service. The NAIC assigns each company a complaint index that shows whether the number of complaints a company receives is higher or lower than average based on the company’s size.
What insurance products does United Financial Casualty offer?
United Financial Casualty offers several types of commercial auto insurance, including van insurance and food truck insurance. The most common commercial vehicles the company covers are:
- Business auto
- Tow truck
- Dump truck
- Food truck
Commercial quotes usually include the following coverages:
- Liability: Coverage for property damage or bodily injury to others
- Physical damage: Combined coverage - collision, comprehensive, and fire and theft
- Medical payments: Coverage for medical expenses for you and your passengers
- Uninsured motorist: Coverage for medical bills and lost wages for you and your passengers if you’re injured by an uninsured motorist
- Hired auto: Liability coverage for business vehicles you rent, lease, borrow, or hire
- Non-owned coverage: Liability coverage for vehicles only used occasionally for business
- Any auto: Liability coverage for any additional vehicles you purchase during your policy term
You can also add specialty coverages to your insurance policy, such as pet injury coverage or motor truck cargo coverage.
United Financial Casualty also offers the following types of business insurance:
- General liability insurance
- Workers’ compensation insurance
- Contractors insurance
- Business owners policy
- Professional liability insurance
- Cyber insurance
- Liquor liability insurance
- Inland marine insurance
- Employment practices liability insurance
- Rideshare insurance
- Commercial property insurance (offered as part of a business owners policy)
- Excess and surplus insurance
- Employee pet insurance benefit
- Health insurance
How does United Financial Casualty Company auto insurance work?
United Financial Casualty Company offers commercial auto insurance in all 50 states, but not all products and discounts will be available everywhere. You can use the Progressive Commercial website to get a quote, or you can call an agent. If you’re not sure whether you need a commercial auto insurance policy, you can take a quiz to find out.
If you need help outside of the company’s website, Progressive offers 24/7 customer service for policyholders, something many other auto insurers do not provide. You’ll reach a licensed agent who is trained to provide customer service for commercial auto insurance customers. Once you’ve signed up for a policy, you’ll also be able to pay your bill or file a claim online.
Progressive also offers a variety of discounts that can be helpful for people looking to save money on car insurance. These include a business experience discount and a bundling discount when you get your personal car insurance policy through Progressive as well.
FAQs about United Financial Casualty Company
Is United Financial Casualty Company a good company?
United Financial Casualty Company is a subsidiary of Progressive. It has been around for decades and is the largest commercial auto insurer in the U.S. The company has an A+ (Superior) financial strength rating from AM Best.
However, the company’s record of complaints with the NAIC may be concerning. With a complaint index of 2.15, United Financial Casualty Company had more than double the number of complaints expected given its market share.
How long does it take to get a policy with United Financial Casualty Company?
You can apply for a policy with United Financial Casualty Company online at www.progressivecommercial.com, and once you provide your payment information, the coverage will be instant.
What types of coverage does United Financial Casualty Company offer?
United Financial Casualty Company offers more than 30 types of commercial vehicle and business liability insurance coverages. Policies generally include liability coverage, physical damage and medical payments coverage, uninsured motorist coverage, and hired auto, non-owned, and any driver coverage.
You can also customize your policy with other coverage options. In addition to offering commercial vehicle insurance, United Financial Casualty Company also offers several liability coverages for businesses.
How do you contact United Financial Casualty Company?
The best way to reach United Financial Casualty Company is to fill out this online form on the Progressive Commercial website or call one of the following phone numbers:
- Get a quote: 1-888-806-9598
- File a claim: 1-800-776-4737
- Pay a bill or update your policy: 1-800-444-4487
Progressive offers 24/7 customer service, so you can call the company anytime.
How to get started with United Financial Casualty Company
You can start by getting a free quote from the Progressive Commercial website. Once you see your rates, you’ll be able to make a payment and complete the sign-up process online.
In addition to your payment information, you should have the following information on hand to get an accurate quote:
- Your USDOT number, if you have one
- Information about:
- Your business, such as how it’s structured
- The business owner, such as name, address, and date of birth
- Each vehicle covered in the policy, such as the VIN, make, and model
- Each driver covered in the policy, such as driver’s license number
It’s also possible to complete this process by phone. To get a quote, call 1-888-806-9598.
How to cancel United Financial Casualty Company auto insurance
You can’t cancel your commercial auto insurance policy with United Financial Casualty Company online, but you can do so at any time by phone, mail, or email. You’ll get a refund for any premiums you paid in advance. The easiest way to cancel is to call 1-800-444-4487 or use this online form.
You might choose to cancel for various reasons: Maybe you were unhappy with how a claim was processed or the price was unaffordable. However, it’s important to ensure you have a new commercial auto insurance policy in place before you cancel with United Financial Casualty Company, as a lapse in insurance could result in costly penalties.
If you’re wondering how to lower your car insurance, the easiest way to save is by comparing quotes from different insurance companies. You could get quotes from individual insurance agencies, but you’ll save a lot of time and effort if you use the FinanceBuzz comparison tool to quickly compare quotes in one place.
United Financial Casualty Company offers a variety of insurance products to help small business owners protect their finances. You may be able to get a low rate from Progressive Commercial, and you can count on the company’s strong financial footing when you file a claim.
However, be aware of the high number of complaints with the NAIC, which indicates that many customers aren’t satisfied with its auto policies. If you want to explore other car insurance companies, you can compare insurance quotes online with FinanceBuzz.