{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-24-000042","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2024-10-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.061634+00:00","generated_at":"2026-05-30T15:05:02.601479+00:00","sec_items":["2.02","5.03","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Progressive reports Q3 net income $2.33B, up 108% YoY; combined ratio 89.0","bullets":["Net premiums written for Q3 $19.46B (+25% YoY); net premiums earned $18.30B (+23%).","Combined ratio improved to 89.0 from 92.4; expense ratio 19.4, loss/LAE ratio 69.7.","Total Companywide policies in force 33.87M, up 14% YoY; Personal auto policies up 17%.","Incurred $563M catastrophe losses from Hurricane Helene in September; estimate up to $525M for Hurricane Milton.","Board reduced from 12 to 11 members effective Oct 11; HQ moved to 300 North Commons Blvd, Mayfield Village."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-24-000042","json":"https://secwatch.observer/filing/0000080661-24-000042.json","markdown":"https://secwatch.observer/filing/0000080661-24-000042.md","text":"https://secwatch.observer/filing/0000080661-24-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066124000042/0000080661-24-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066124000042/pgr-20240925.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T15:05:02.601479+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}