If you see a line labeled “Artisan and Truckers,” “Artisan & Truck,” or something similar on your bank statement, it is almost certainly an ACH premium payment to Artisan and Truckers Casualty Company, a commercial insurance subsidiary of Progressive. The charge is a recurring monthly withdrawal for a commercial auto, general liability, or business owner’s policy that you or someone with access to your account holds through Progressive’s commercial division.
Who Artisan and Truckers Casualty Company Is
Artisan and Truckers Casualty Company is a property and casualty insurer operating under the Progressive Corporation umbrella. It is registered with the National Association of Insurance Commissioners under NAIC number 10194 and is based in Cleveland, Ohio.1AM Best. AM Best Credit Report – Artisan and Truckers Casualty Company Progressive uses this separate legal entity to underwrite commercial risks that sit outside its standard personal auto book. If you call about the charge, the customer service line is 1-800-444-4487, and the billing mailing address is P.O. Box 94739, Cleveland, OH 44101.2Federal Motor Carrier Safety Administration. Insurance Carrier Details
What the Charge Is Paying For
Most policyholders split their annual commercial premium into monthly installments debited automatically from a checking account. That monthly ACH pull is what shows up on your statement. The underlying policy is usually one of three kinds.
Commercial Auto Insurance
If you run delivery trucks, vans, or any vehicle used for business, your commercial auto policy may be underwritten here. Federal rules require for-hire carriers operating vehicles rated above 10,001 pounds to carry at least $750,000 in public liability coverage when hauling nonhazardous property.3eCFR. 49 CFR 387.9 – Financial Responsibility, Minimum Levels Commercial limits are much higher than personal auto limits, so a monthly debit of several hundred dollars is normal.
General Liability for Trades
Plumbers, electricians, roofers, and similar contractors commonly carry general liability coverage through Progressive’s commercial lines. The premium reflects the trade, annual revenue, payroll, and coverage limits.
Business Owner’s Policy
Some charges pay for a business owner’s policy, which bundles commercial property, general liability, and business interruption coverage. Small businesses buy these packages because they cost less than assembling each coverage separately.
Why the Amount Suddenly Changed
If the debit jumped from what you had been paying, a premium audit is the usual explanation. Commercial general liability and workers’ compensation policies are priced from estimates of payroll, revenue, or square footage. After the policy year ends, the insurer audits your actual numbers. If your business grew and the real figures exceeded the estimate, you owe additional premium and that catch-up typically comes due within 30 days of the audit. The reverse also happens: if you overstated, the audit can produce a credit that reduces your next payment. Either way, an unexpected shift is worth a call to Progressive’s commercial line at 1-800-444-4487.4Progressive Commercial. Contact Us
If You Recognize the Charge but Want to Verify It
Pull a few things together before calling. Note the exact date and amount from your bank portal. Have your policy number ready if it appears on a declarations page or Progressive correspondence. Call 1-800-444-4487 and select the billing option. A representative can pull your payment history from either the policy number or the bank transaction ID and confirm what the debit covers.
Refunds for billing errors or cancellations generally go back through the same method you used to pay. An ACH payment refunds to the same checking account. Progressive does not publish a fixed refund timeline, so ask the representative for an estimated processing date and note the confirmation number.5Progressive. Can You Get a Refund on Car Insurance
If You Do Not Recognize the Charge
Before treating it as fraud, check whether a spouse, business partner, or bookkeeper set up a policy. In small businesses, one person often handles insurance and another handles the bank account, and a quick conversation can resolve the mystery.
If nobody with account access can explain it, you have federal protections. ACH debits are electronic fund transfers, so they fall under the Electronic Fund Transfer Act rather than the credit card rules of the Fair Credit Billing Act. You have 60 days after your bank sends the statement showing the charge to notify the bank of the error.6Office of the Law Revision Counsel. United States Code Title 15 – 1693f Error Resolution
Once the bank has your notice, it must investigate and resolve the dispute within 10 business days. If it needs more time, it can extend the investigation to 45 days, but only if it provisionally credits your account within the first 10 business days so you have access to the disputed funds during the review.7eCFR. 12 CFR 1005.11 – Procedures for Resolving Errors You can give notice orally, but the bank may require written confirmation within 10 days. Skip that written follow-up when it is requested and the bank is not obligated to provide provisional credit.
How to Stop the Recurring Withdrawal
To cancel the policy and stop future debits, contact Progressive’s commercial division directly. You can cancel mid-term without waiting for the policy period to end, and you are generally entitled to a refund of the unearned portion of the premium. Ask whether your policy uses pro-rata cancellation, which is a straight proportional refund, or short-rate cancellation, which applies a penalty that reduces the refund. On a high-premium commercial policy the difference matters.
If you need to stop the payment immediately while a dispute or cancellation is pending, you can place a stop payment order with your bank. Federal rules require you to give the order at least three business days before the next scheduled payment. You can do it by phone or in person, though the bank may ask for written confirmation within 14 days, and most banks charge a fee.8Consumer Financial Protection Bureau. How Can I Stop Automatic Payments From My Bank Account Stopping the payment without also canceling the policy can create a coverage lapse and trigger late fees or insurer-initiated cancellation, so handle both sides.
Deducting the Premium as a Business Expense
If you pay these premiums for a business you operate, they are generally deductible as ordinary and necessary business expenses under Section 162 of the Internal Revenue Code, which covers business liability, commercial vehicle, and business property insurance.9Office of the Law Revision Counsel. United States Code Title 26 – 162 Trade or Business Expenses The IRS now directs small business owners to Publication 334 and Publication 583 for documentation guidance.10Internal Revenue Service. Guide to Business Expense Resources
For records, your bank statement showing the ACH debit is one layer of proof. Pair it with the policy declarations page, which shows coverage type and premium, to build a clean audit trail. If a year-end audit changed your premium, keep that audit statement too, because the adjusted figure is the deductible amount for the policy year.