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Progressive Corporation - Ohio (PGR) Earnings Report: Q3 2015 Conference Call Transcript

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The following Progressive Corporation - Ohio (PGR - Get Report) conference call took place on November 16, 2015, 03:00 AM ET. This is a transcript of that earnings call:

Company Participants

  • Julia Hornack; The Progressive Corporation; IR
  • Glenn Renwick; The Progressive Corporation; Chairman, President and CEO
  • John Sauerland; The Progressive Corporation; CFO
  • Bill Cody; The Progressive Corporation; CIO
  • Gary Traicoff; The Progressive Corporation; Chief Actuary

Other Participants

  • Vinay Misquith; Sterne Agee & Leach; Analyst
  • Ryan Tunis; Credit Suisse; Analyst
  • Josh Shanker; Deutsche Bank; Analyst
  • Meyer Shields; KBW; Analyst
  • Paul Newsome; Sandler O'Neill; Analyst
  • Brian Meredith; UBS; Analyst
  • Michael Nannizzi; Goldman Sachs; Analyst
  • David Small; JPMorgan Chase; Analyst
  • Adam Klauber; William Blair; Analyst

MANAGEMENT DISCUSSION SECTION Operator: Welcome to The Progressive Corporation's Investor Relations conference call.

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(Operator Instructions) In addition, this conference is being recorded at the request of Progressive . If you have any objections, you may disconnect at this time. The Company will now make detailed comments, in addition to those provided in its quarterly report on Form -Q and letter to shareholders, which have been posted to the Company's website and will use this conference call to respond to questions. Acting as...


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