Progressive has filed a commercial auto form update in North Carolina introducing annual mileage based rating and a new driver exclusion endorsement. The filing was submitted on December 24, 2025, with new business effective March 25, 2026, and renewal business effective May 16, 2026.

The update revises the Application for Insurance and Declarations Page to incorporate annual mileage rating language, signaling a shift toward more usage specific pricing for commercial vehicles. Progressive is also adding a new Driver Exclusion Endorsement that explicitly limits the exclusion to physical damage coverage, clarifying that no physical damage coverage applies when an excluded driver operates the vehicle.

Progressive references motor vehicle reports and Comprehensive Loss Underwriting Exchange data obtained from consumer reporting agencies, along with federal compliance requirements tied to the Federal Motor Carrier Safety Administration. For risks subject to federal filings, the forms reference liability certifications such as the MCS 90 and require USDOT numbers when applicable.

Technology plays a central role in the updated forms. Applicants authorize approved Electronic Logging Device vendors to share driving data with Progressive, and the application process supports electronic signatures.