Does an LLC Need Insurance? Costs and Coverage 2026

Does Progressive offer LLC insurance? Yes and no. Progressive is the top commercial auto insurer in the US and offers LLC insurance packages. However, for non-auto coverages, Progressive routes policies through partner insurers in many states. Always verify the underwriting company on your declarations page.

Is LLC insurance tax deductible? Generally yes. Business insurance premiums paid to protect an active trade or business are deductible as ordinary business expenses under IRS Publication 535. Consult a CPA to confirm deductibility for your specific LLC structure and policy types.

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