{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0000080661","name":"PROGRESSIVE CORP/OH/","summary":"Progressive Corporation is an Ohio-based insurance holding company operating throughout the United States. It writes personal and commercial auto insurance, personal residential property insurance, and coverage for motorcycles, watercraft, RVs, and other recreational vehicles. It also offers general liability, commercial property, workers compensation (primarily for transportation), and specialty property-casualty insurance. Products are distributed via independent agents, brokers, and direct channels (online and phone).","people":[],"products":[{"name":"Personal Auto Insurance","type":"service","description":"Private passenger auto insurance sold via agency and direct channels, representing 95% of personal vehicle net premiums written."},{"name":"Special Lines Insurance","type":"service","description":"Insurance for motorcycles, RVs, watercraft, and other recreational vehicles; Progressive claims market leadership in motorcycle and boat segments."},{"name":"Personal Property Insurance","type":"service","description":"Homeowners, renters, manufactured home, personal umbrella, and flood insurance written in virtually all states."},{"name":"Commercial Auto Insurance","type":"service","description":"Insurance for commercial vehicles and fleets forming a distinct operating segment from Personal Lines."},{"name":"Snapshot (UBI Program)","type":"platform","description":"Usage-based insurance program using hardware device or mobile app to adjust rates based on personal driving behavior; available in all states except California."},{"name":"HomeQuote Explorer (HQX)","type":"platform","description":"Multi-carrier, direct-to-consumer online personal property quoting and comparison platform available in almost every state."},{"name":"Portfolio Quoting System","type":"platform","description":"Agent-facing quoting system enabling bundled multi-policy quotes with simplified data entry and premium/discount overview."},{"name":"Workers Compensation Insurance","type":"service","description":"Workers compensation coverage provided primarily for the transportation industry."},{"name":"Business General Liability & Commercial Property Insurance","type":"service","description":"General liability and commercial property insurance offered predominantly to small businesses."},{"name":"National Flood Insurance Program (NFIP) Write Your Own","type":"service","description":"Flood insurance written in virtually all states under the NFIP Write Your Own program; 100% reinsured with NFIP."},{"name":"Personal Auto Product Model 9.0","type":"service","description":"Latest personal auto product model with new coverage features, embedded optional renters insurance endorsement, and expanded rating variables; rollout began Q3 2025."}],"partnerships":[{"partner_name":"National Flood Insurance Program (NFIP)","partnership_type":"strategic","description":"Progressive participates in the NFIP Write Your Own program, writing flood insurance with 100% reinsurance from NFIP.","start_date":null},{"partner_name":"Unaffiliated insurance carriers","partnership_type":"strategic","description":"Progressive bundles its personal auto products with homeowners and renters products from unaffiliated carriers nationwide through the direct channel.","start_date":null},{"partner_name":"Financial institutions and national agencies","partnership_type":"strategic","description":"Strategic alliance business relationships used to distribute personal vehicle insurance through the agency channel.","start_date":null}],"affiliations":[],"origin":{"leaf":"1a189207a91c6b003149cb9331dd6d27279e633d0357b58c028b989f4ab16ea4","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"8c53926fb8a49c92bce91291106a91dd0175e8b55018da1b93532668db21e178","parent":"83983ecad2dfa82cbf335b8e90be87b27ce41b9330dd9afa72d356d1d24d1e10","source":"0000080661-26-000086","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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