Terms & Conditions for Use of this Site

Last updated: July 09, 2020

Your use of this site is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site.

Progressive Casualty Insurance Company and its affiliated companies ("Progressive") reserve the right to modify these Terms of Use at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.

Copyright / Trademark

Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Progressive Casualty Insurance Company, its affiliated companies and/or third party licensors. The Progressive logo, all other service marks, and the names of various products and services described within are service marks of Progressive Casualty Insurance Company or its affiliates. The Apple name and logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc. All other trademarks or service marks are the property of their respective owners.

Permission is hereby granted to use, copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this Web site, or any other intellectual property of Progressive (including, but not limited to Progressive service marks), on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site's content or frame this Web site within any other Web site without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Progressive, is prohibited.

Progressive does not knowingly permit anyone to post on this Web site materials that infringe on the intellectual property rights of third parties. If you believe that your work has been copied and is available on this Web site in a way that constitutes copyright infringement, please provide our designated agent (named below) with a notice that includes substantially the following information:

(1) a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;

(2) identification of the copyrighted work claimed to have been infringed;

(3) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;

(4) your contact information, including your address, telephone number, and email address;

(5) a statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

(6) a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Upon receipt of a notice meeting the above requirements, we will respond in accordance with the Digital Millennium Copyright Act to remove or disable access to the material claimed to be infringing or to be the subject of infringing activity. We will also terminate account access by repeat infringers where we deem appropriate. Our designated agent for notices concerning copyright infringement is:

For all other inquiries not related to copyright infringement, please refer to the Contact Us page for assistance.

Steve Klick, Digital Manager
Progressive Casualty Insurance Company
300 North Commons Blvd.
Mayfield Village, OH 44143
Steven_A_Klick@Progressive.com
440-395-1901 (phone)
440-395-1812 (fax)

Submitted Ideas Policy

When you submit ideas or materials to Progressive ("Submissions"), such as for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos, you grant to Progressive a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submission at Progressive's discretion.

Third-Party Sites

This site contains links to other Internet Web sites ("Third-party Sites") that are not maintained by Progressive. These links are provided solely for your convenience. Progressive makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Privacy & Security

Please review our Privacy & Security Policy, which also governs your visit to this web site.

Agents & Brokers

In most states, independent insurance agents offer Progressive products to consumers. There are a few states, most notably California and New York, where insurance brokers place insurance products on behalf of customers. Although there are important legal distinctions between agents and brokers, for readability purposes this Web site may use "agent" to refer to both. While the relationship between brokers and Progressive differs from our relationship with independent agents, including the fact that brokers do not have binding authority, many of the same or similar tools and services are available to them. In some states brokers and agents may charge additional fees for the placement or servicing of a policy.

Password Registration

Some Progressive Web sites are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access of such sites is strictly prohibited.

In accessing Progressive sites requiring a User ID and password, you agree that:

  • Progressive is entitled to act on instructions received under your User ID and password.
  • Progressive is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Progressive.
  • You will keep your password confidential and you will notify Progressive immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.
  • Progressive may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Geographic Location Identification

When you visit our Web site, you may see messages tailored to your specific state or city. We are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses - the unique numbers computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.

Disclaimer of Warranty

The content and materials in this site are provided "as is" and without representations or warranties of any kind, either express or implied. To the fullest extent permitted by law, Progressive expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Progressive does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Progressive are free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, Progressive shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Progressive, the unauthorized access to or alteration of your transmissions or data, even if Progressive has been advised of the possibility of such damages.

Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the State of Ohio without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Cuyahoga County, Ohio.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Underwriting Companies

Motor vehicle insurance policies are underwritten by the following Progressive insurance companies:

Artisan and Truckers Casualty Company
c/o CT Corporation System, 301 S. Bedford Street, Suite 1, Madison, WI 53703
Blue Hill Specialty Insurance Company
c/o CT Corporation System, 208 S. LaSalle Street, Suite 814, Chicago, IL 60604
Drive New Jersey Insurance Company
c/o CT Corporation System, 820 Bear Tavern Road, Suite 305, West Trenton, New Jersey 08628
Mountain Laurel Assurance Company
300 North Commons Blvd., Mayfield Village, Ohio 44143
*National Continental Insurance Company
(CA COA # 08240)
1 Corporate Drive, Suite 201, Bohemia, NY 11716
State of Domicile: NY
*Progressive Advanced Insurance Company
(CA COA # 08268)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
Progressive American Insurance Company
300 North Commons Blvd., Mayfield Village, Ohio 44143
Progressive Bayside Insurance Company
300 North Commons Blvd., Mayfield Village, Ohio 44143
*Progressive Casualty Insurance Company
(C.A. #6007)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
Progressive Choice Insurance Company
300 North Commons Blvd., Mayfield Village, Ohio 44143
Progressive Classic Insurance Company
c/o CT Corporation System, 301 S. Bedford Street, Suite 1, Madison, WI 53703
*Progressive Commercial Casualty Company
(CA COA # 08855)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
Progressive County Mutual Insurance Company
5707 Southwest Pkwy, Austin, TX 78735
*Progressive Direct Insurance Company
(CA COA # 08228)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
*Progressive Express Insurance Company
(CA COA # 08870)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
Progressive Freedom Insurance Company
300 North Commons Blvd., Mayfield Village, Ohio 44143
Progressive Garden State Insurance Company
c/o CT Corporation System, 820 Bear Tavern Road, Suite 305, West Trenton, New Jersey 08628
Progressive Gulf Insurance Company
300 North Commons Blvd., Mayfield Village, Ohio 44143
Progressive Hawaii Insurance Corp.
300 North Commons Blvd., Mayfield Village, Ohio 44143
Progressive Marathon Insurance Company
46333 Five Mile Road, Suite 100, Plymouth, MI 48170
Progressive Max Insurance Company
300 North Commons Blvd., Mayfield Village, Ohio 44143
Progressive Michigan Insurance Company
46333 Five Mile Road, Suite 100, Plymouth, MI 48170
Progressive Mountain Insurance Company
300 North Commons Blvd., Mayfield Village, Ohio 44143
Progressive Northern Insurance Company
c/o CT Corporation System, 301 S. Bedford Street, Suite 1, Madison, WI 53703
*Progressive Northwestern Insurance Company
(CA COA # 08053)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
Progressive Preferred Insurance Company
300 North Commons Blvd., Mayfield Village, Ohio 44143
Progressive Premier Insurance Company of Illinois
300 North Commons Blvd., Mayfield Village, Ohio 44143
Progressive Security Insurance Company
2450 Severn Avenue, Suite 102 & 200, Metairie, LA 70001
*Progressive Select Insurance Company
(CA COA # 5754-7)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
*Progressive Specialty Insurance Company
(CA COA # 5997)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
Progressive Universal Insurance Company
c/o CT Corporation System, 301 S. Bedford Street, Suite 1, Madison, Wisconsin 53703
*Progressive West Insurance Company
(CA COA # 07756)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
*United Financial Casualty Company
(CA COA# 08902)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH

* Companies maintaining a Certificate of Authority to transact insurance in California. The Certificate of Authority number (C.A. #) appears after the company name.

Property insurance

Our family of companies also includes ARX Holding Corp. and the entities that it directly or indirectly majority owns or controls, but they are governed by a separate privacy policy available at americanstrategic.com. These companies write property insurance.

Life insurance

Life insurance may be underwritten by Progressive Life Insurance Company or insurers not affiliated with Progressive.

Other offerings

Property insurance, life insurance and certain products provided by the underwriting companies listed above or by other companies not affiliated with Progressive may be made available from or through:

Progny Agency, Inc.
1 Corporate Drive, Suite 201, Bohemia, NY 11716
State of Domicile: NY
Progressive Advantage Agency, Inc.
CA DBA - Progressive Advantage Insurance Agency, Inc.
(CA DOI license number: OF50053)
300 North Commons Blvd., Mayfield Village, Ohio 44143
State of Domicile: OH
Progressive Commercial Advantage Agency, Inc.
CA DBA - Progressive Commercial Advantage Insurance Agency, Inc.
(CA license number: DOI OM33528)
300 North Commons Blvd., Mayfield Village, Ohio 44143

Other companies

358 Ventures, Inc.
800 West St. Clair Ave., Suite 200, Cleveland, OH 44113
Progressive Adjusting Company, Inc.
300 North Commons Blvd., Mayfield Village, Ohio 44143

Terms and Conditions For Use of the Mobile Alerts Service

Your use of the Mobile Alerts service offered by Progressive Direct is expressly conditioned on your acceptance of the following Terms and Conditions. If you do not agree with any part of these Terms and Conditions, you may not participate in the Mobile Alert service.

Progressive reserves the right to modify these Terms and Conditions at any time. Continued use of the service will constitute your acceptance of the new terms.

Your Responsibilities

  • Changes to your wireless number. If your wireless number changes while you are enrolled in the Mobile Alerts service, you are responsible for updating your information with us. You may update this information by logging onto www.progressive.com and changing your Mobile Alert contact information.
  • New providers, canceled contracts and stolen phones. You must unenroll from the Mobile Alerts service if you switch wireless service providers but retain your old phone number. When your new provider activates your phone, you may re-enroll in the service. You must also unenroll from the Mobile Alerts service if you discontinue your phone service or lose your mobile phone.
  • Fees. Some wireless service providers charge additional fees for sending and receiving text messages. You are responsible for any charges or fees that your wireless service provider may charge.

Modifications to the Mobile Alert Service

From time to time, we may modify the scope and features of the Mobile Alert service. We will notify you via email whenever new features become available and if the scope of the service changes in such a way that affect when and how you receive Mobile Alerts.

We may suspend or terminate the Mobile Alert service at any time without prior notice to you for any reason, including, but not limited to, breakdown, maintenance, or disruptions in service caused by the various telecommunication networks and service providers.

Terminating Your Participation in the Mobile Alert Service

You may unenroll from the Mobile Alert Service at any time by logging on to www.progressive.com and changing your Mobile Alert preferences. You may also unenroll by sending the word STOP to 99354.

Limitations of Liability

There are a number of factors outside of our control that can impact or delay the delivery of your Mobile Alerts. These factors may include restrictions made by your wireless service provider and disruptions to your wireless service. The Mobile Alerts are provided for your convenience and do not replace your monthly account statement(s), which are the official record of your accounts. We do not assume any liability or responsibility for a failure or delay in transmitting the Mobile Alerts to you or for any errors in the information contained in the Mobile Alerts.

We also do not assume any liability for any losses or damage (a) caused by the disclosure of information to your mobile phone when the phone is another person's possession; or (b) to your data, mobile phone or other equipment caused by the use of the Mobile Alert service, unless directly and solely caused by our negligence or willful default. Additionally, you agree to indemnify, defend and hold us harmless from and against any claims, losses or costs (including reasonable attorneys' fees) arising from your provision of a phone number that is not your own or your violation of applicable state and federal laws and regulations.

Patent Notice

U.S. Patent Nos. 8,484,046, 8,712,795, 8,095,394, 8,554,587, 9,053,515, 8,433,588, 9,183,593, 8,694,788, 9,356,926, and 9,652,805 as well as pending applications which claim priority from these patents, apply to portions of this Web site.