{"schema_version":"secwatch.filing_event.v1","accession":"0000080661-24-000047","form_type":"8-K","ticker":"PGR","cik":"0000080661","company_name":"PROGRESSIVE CORP/OH/","filed_at":"2024-11-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.061853+00:00","generated_at":"2026-05-30T00:06:01.438611+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Progressive October net income $408M, combined ratio 94.1 on hurricane losses","bullets":["Net premiums written $6.58B (+19% YoY); net premiums earned $6.39B (+19%).","Diluted EPS $0.69 vs $0.68 a year ago; combined ratio 94.1 (up from 91.7).","Catastrophe losses: $206.5M from Hurricanes Milton/Helene; property net catastrophe ratio 55.9 pts.","Property business reduced Hurricane Ian reserves by $250M; net exposure remains $200M retention.","Total policies in force 34.36M (+16% YoY); personal auto policies up 19%."],"urls":{"canonical":"https://secwatch.observer/filing/0000080661-24-000047","json":"https://secwatch.observer/filing/0000080661-24-000047.json","markdown":"https://secwatch.observer/filing/0000080661-24-000047.md","text":"https://secwatch.observer/filing/0000080661-24-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/80661/000008066124000047/0000080661-24-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/80661/000008066124000047/pgr-20241115.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T00:06:01.438611+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"}