Bob Wong
Analyst, Morgan Stanley
Replay available
The Progressive Corporation (LSE: 0KOC) Q3 2025 earnings conference call, held 2025-11-04. Replay captured from the company's public earnings webcast.

Analyst, Morgan Stanley
SVP, Personal Lines Product
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Chief Financial Officer
President & Chief Executive Officer
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WEBVTT 00:00:01.786 -- 00:00:04.909 Good morning and thank you for joining us today for Progressive Third Quarter Investor 00:00:04.909 -- 00:00:09.715 Event. I'm Doug Constantine, Treasury Controller and I'll be moderator for today's event. 00:00:09.715 -- 00:00:13.159 The company will not make detailed comments related to its results in addition to those 00:00:13.159 -- 00:00:18.344 provided in its annual report on Form 10-K, quarterly reports on Form 10-Q, and the letter 00:00:18.344 -- 00:00:22.028 to shareholders which have been posted to the company's website. 00:00:22.028 -- 00:00:26.033 Although our quarterly investor relations events often include a presentation on a specific 00:00:26.033 -- 00:00:30.155 portion of our business, We will instead use the 60-minute schedule for today's event 00:00:30.155 -- 00:00:34.140 for introductory comments by our CFO and a question-and-answer session with members of 00:00:34.140 -- 00:00:39.025 our leadership team. The introductory comments by our CFO were previously recorded. 00:00:39.025 -- 00:00:42.529 Upon completion of the previously recorded remarks, we will use the balance of the 60-minute 00:00:42.529 -- 00:00:45.973 schedule for this event for live questions and answers with members of our leadership 00:00:45.973 -- 00:00:47.973 team. 00:00:48.055 -- 00:00:51.280 As always, discussions in this event may include forward-looking statements. 00:00:51.280 -- 00:00:54.905 These statements are based on management's current expectations and are subject to many 00:00:54.905 -- 00:00:58.890 risks and uncertainties that can cause actual events and results to differ materially 00:00:58.890 -- 00:01:01.834 from those discussed during today's event. 00:01:01.834 -- 00:01:05.840 Additional information concerning those risks an...