PGRNYSE

PROGRESSIVE CORP/OH/

Fire, Marine & Casualty Insurance · OH · CIK 80661

Progressive writes personal and commercial auto, residential property, and specialty vehicle insurance, plus related business insurance

red 8-K · 90d🔥 High media attention

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$118.51B

Market cap

$218.45

Last close

-0.6%

+1.3%

2.9M

Volume

Price · last 40 sessions+9.6%

May 4L $190.40 · H $224.34Jun 30

108

Total filings

Jun 17, 2026

Last filing

12/31

Fiscal year end

All 8-K · 67 10-Q · 13 11-K · 10 424B5 · 6 DEF 14A · 5 10-K · 5 8-K/A · 1 DEFA14A · 1

10-K10-KMar 2, 2026 10-K10-KMar 3, 2025 10-K10-KFeb 26, 2024 10-K10-KFeb 27, 2023 10-K10-KFeb 28, 2022

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Insider Activity

In the 90 days to Mar 20, 2026: 5 sold $2.4M.

Date	Insider	Action	Shares	Price	Value
Mar 20, 2026	Joyce Carl GChief Accounting Officer	Sell	270	$206.50	$56K
Mar 5, 2026	Bailo KarenCommercial Lines President	Sell	3,517	$212.00	$746K
Mar 5, 2026	Joyce Carl GChief Accounting Officer	Sell	141	$212.00	$30K
Feb 24, 2026	Pumarejo MaribelChief Marketing Oficer	Sell	739	$203.25	$150K
Feb 23, 2026	Bauer Jonathan S.Chief Investment Officer	Sell	2,266	$203.05	$460K
Jan 21, 2026	Bauer Jonathan S.Chief Investment Officer	Sell	3,105	$204.35	$635K
Jan 21, 2026	Quigg Andrew JChief Strategy Officer	Sell	1,649	$204.35	$337K
Dec 19, 2025	Broz StevenChief Information Officer	Sell	1,344	$224.80	$302K
Nov 28, 2025	Sauerland John PVP and Chief Financial Officer	Sell	5,000	$228.48	$1.1M
Nov 21, 2025	Broz StevenChief Information Officer	Sell	1,345	$228.29	$307K
Nov 11, 2025	Broz StevenChief Information Officer	Sell	1,345	$220.00	$296K

Open-market buys & sells (Form 4, transaction codes P/S). Source: SEC structured insider data.

What Changed

Risk factors · Mar 3, 2025 → Mar 2, 2026

10 added · 7 removed between the two most recent 10-Ks. The risks a company starts — or stops — disclosing are often the story.

Newly disclosed

Moreover, inconsistencies in requirements among the various states, or between state and federal requirements, or changes in regulatory priorities or funding, may further complicate our compliance efforts, potentially damage our reputation in the marketplace or our brand, potentially resulting in additional costs for us or impacting our ability to participate in certain government funded programs, such as the National Flood Insurance Program.
In addition, laws in certain jurisdictions mandate that insurance companies pay assessments in a number of circumstances, including potentially material assessments to pay claims upon the insolvency of other insurance companies or to cover losses in government-provided insurance programs for high-risk auto and homeowners’ coverages.
In such cases, we would be selling products or services that are new to us, while our competitors could include large, well-financed companies with significant product and marketing experience in such businesses.
Historically, the auto and property insurance markets have been described as cyclical, with periods of relatively strong profitability being followed by increased pricing competition among insurers.
Consolidations and strategic relationships in the independent agent channel in our Personal Lines business have increased competition and could continue to do so.
For additional discussion of statutory profit limits, see Management’s Discussion and Analysis of Financial Condition and Results of Operations – II.
We undertake substantial efforts and expend significant resources to protect our systems and sensitive or confidential data and information.
Our success depends on our ability to innovate effectively and respond to our competitors’ initiatives.
Intellectual property rights could affect our competitiveness and our business operations.
We use third-party labor to meet a portion of our staffing needs.

No longer disclosed

We have discussed the associated risks and impacts of COVID-19 in our SEC filings beginning with its onset in 2020.
Our development and use of new technology, such as generative artificial intelligence, may present additional risks, may not be successful, and could have a material adverse effect on our business .
Beginning with its emergence in 2020, COVID-19 increased many of the risks described above and impacted our business, operations, and financial results in several ways.
In such cases, we would be selling products or services that are new to us, while our competitors could include large, well-financed companies with significant product and marketing experience in such businesses. - 20 - Historically, the auto and property insurance markets have been described as cyclical, with periods of relatively strong profitability being followed by increased pricing competition among insurers.
Moreover, inconsistencies in requirements among the various states, or between state and federal requirements, or changes in regulatory priorities, may further complicate our compliance efforts, potentially resulting in additional costs for us. - 21 - In addition, laws in certain jurisdictions mandate that insurance companies pay assessments in a number of circumstances, including potentially material assessments to pay claims upon the insolvency of other insurance companies or to cover losses in government-provided insurance programs for high-risk auto and homeowners’ coverages.
Our systems are being threatened on a regular basis and our efforts may be insufficient to prevent or defend against an attack.
We believe that the existing risks and impacts of COVID-19 are not currently material to our business.

PROGRESSIVE CORP/OH/

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Insider Activity

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What Changed