Progressive Corporation, long a leader in nonstandard, high-risk personal auto insurance, has motored beyond its traditional business into standard-risk and preferred auto insurance, as well as other personal-use vehicle coverage (motorcycles, RVs, and snowmobiles). Its insurance carriers include majority-owned American Strategic Insurance. Progressive also offers commercial policies for heavy trucks, vans, and lighter trucks. It writes a bit of professional liability insurance for directors and officers, as well. The company markets directly to consumers online and by phone, and through more than 35,000 independent agents who account for the majority of its business.