前进保险Progressive (PGR) 2018年年度报告「NYSE」.pdf

1、THE PROGRESSIVE CORPORATION 2018 ANNUAL REPORTABOUT PROGRESSIVEThe Progressive Group of Insurance Companies,in business since 1937,is one of the countrys largest auto insurance groups,the largest seller of motorcycle policies,the market leader in commercial auto insurance and one of the top 15 homeo

2、wners carriers,based on premiums written.Progressive is committed to becoming consumers number one choice and destination for auto and other insurance by providing competitive rates and innovative products and services that meet customers needs throughout their lifetimes,including superior mobile,on

3、line and in-person customer service,and best-in-class,24-hour claims service.Progressive companies offer consumers choices in how to shop for,buy,and manage their insurance policies.Progressive offers personal and commercial auto,motorcycle,boat,recreational vehicle,and home insurance.We operate our

4、 Personal and Commercial Lines businesses through more than 35,000 inde-pendent insurance agencies throughout the U.S.and directly from the Company online,by phone,or on mobile devices.Our homeowners business is underwritten by select carriers,including ASI,throughout the United States.2 Financial H

5、ighlights 6 Letter to Shareholders 18 Operations Summary 28 Values,Purpose,Vision&Strategy 30 Objectives&Policies 34 Financial Review 42 Safe Harbor Statement 43 Corporate Information 45 Directors&Officers TOGETHERRealizing that Progressives success has been achieved through unity and teamwork,we ch

6、ose“together”as the theme of this years annual report.But more than just succeeding,“togetherness”is also about collabor-ation,having great discussions and debates,challenging each other,and giving respect to each of the over 38,000 Progressive people and our valued agents,as well as forging bonds w