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The Progressive Corporation 2015 Annual Report

 Directors and Officers

Stuart B. Burgdoerfer
Executive Vice President and Chief Financial Officer,
L Brands, Inc.
(retailing) Audit Committee Member, Independent Director

Charles A. Davis
Chief Executive Officer,
Stone Point Capital LLC
(private equity investing) Investment and Capital Committee Member, Nominating and Governance Committee Member, Independent Director

Roger N. Farah
Co-Chief Executive Officer,
Tory Burch LLC
(retailing) Compensation Committee Member, Nominating and Governance Committee Member, Independent Director

Lawton W. Fitt
Retired Partner,
Goldman Sachs Group
(financial services) Executive Committee Member, Investment and Capital Committee Member, Nominating and Governance Committee Member, Independent Director

Stephen R. Hardis*
Lead Independent Director,
The Progressive Corporation Executive Committee Member, Investment and Capital Committee Member, Nominating and Governance Committee Member, Independent Director

Jeffrey D. Kelly
Chief Operating Officer and Chief Financial Officer,
RenaissanceRe Holdings Ltd.
(reinsurance services) Audit Committee Member, Independent Director

Patrick H. Nettles, Ph.D.
Executive Chairman,
Ciena Corporation
(telecommunications) Audit Committee Member, Independent Director

Glenn M. Renwick
Chairman of the Board, President, and Chief Executive Officer,
The Progressive Corporation Executive Committee Member

Bradley T. Sheares, Ph.D.
Former Chief Executive Officer,
Reliant Pharmaceuticals, Inc.
(pharmaceuticals) Compensation Committee Member, Independent Director

Barbara R. Snyder
President,
Case Western Reserve University
(higher education) Audit Committee Member, Independent Director

* In May 2016, Stephen R. Hardis will retire after 28 years of service, in accordance with the Board’s retirement policy. Progressive would like to thank Mr. Hardis for his dedicated service and the many contributions he made during his tenure on the Board. It is expected that a new Lead Independent Director will be appointed at that time.

 Corporate Officers

Glenn M. Renwick
Chairman of the Board, President, and Chief Executive Officer

John P. Sauerland
Vice President and Chief Financial Officer

Susan Patricia Griffith
Vice President and Personal Lines Chief Operating Officer

Charles E. Jarrett
Vice President, Secretary, and Chief Legal Officer

Jeffrey W. Basch
Vice President and Chief Accounting Officer

Thomas A. King
Vice President

Patrick S. Brennan
Treasurer

Mariann Wojtkun Marshall
Assistant Secretary

 Other Executive Officers

John F. Auer
President and Chief Executive Officer, ARX Holding Corp.

John A. Barbagallo
Commercial Lines President

Steven A. Broz
Chief Information Officer

Patrick K. Callahan
Personal Lines President

M. Jeffrey Charney
Chief Marketing Officer

William M. Cody
Chief Investment Officer

Valerie Krasowski
Chief Human Resource Officer

John Murphy
Customer Relationship Management President

Michael D. Sieger
Claims President

 24-Hour Insurance Quotes, Claims Reporting, and Customer Service

Personal autos, motorcycles, and recreational vehicles Commercial autos/trucks
To Receive a Quote 1-800-PROGRESSIVE
(1-800-776-4737)
progressive.com
1-888-806-9598
progressivecommercial.com
To Report a Claim 1-800-PROGRESSIVE
(1-800-776-4737)
progressive.com1
1-800-PROGRESSIVE
(1-800-776-4737)
For Customer Service
If you bought your policy through an independent agent or broker
1-800-925-2886
(1-800-300-3693 in California)
progressiveagent.com
1-800-444-4487
progressivecommercial.com
If you bought your policy directly through Progressive online or by phone 1-800-PROGRESSIVE
(1-800-776-4737)
progressive.com
1-800-895-2886
progressivecommercial.com
If you have a complaint or concern regarding any claim handling or other claims-related issue2 1-800-274-4641
email: claims@email.progressive.com
1-800-274-4641
email: claims@email.progressive.com
Homeowners
To receive a quote, report a claim, or speak to a customer service representative, please call 1-800-PROGRESSIVE or visit progressive.com and your inquiry will be routed to the appropriate contact center.

In addition, iPhone® and Android® users can download the Progressive App to start a quote, report a claim, or service a policy.

1 Claims reporting via the website is currently only available for personal auto policies.

2 Any policyholder, claimant, or other interested party who has any complaint or concern regarding any claim handling or other claims-related issue may report such complaint or concern using the contact information above. The complaint or concern will be promptly forwarded to the appropriate management personnel in our claims organization for review and response.

 Principal Office

The Progressive Corporation
6300 Wilson Mills Road
Mayfield Village, Ohio 44143
440-461-5000
progressive.com

 Annual Meeting

The Annual Meeting of Shareholders will be held at the offices of The Progressive Corporation, Studio 96, 6671 Beta Drive, Mayfield Village, Ohio 44143 on May 13, 2016, at 10 a.m. eastern time. There were 2,255 shareholders of record on December 31, 2015.

 Common Shares and Dividends

The Progressive Corporation’s common shares are traded on the New York Stock Exchange (symbol PGR). Progressive currently has an annual variable dividend policy. We expect the Board to declare the next annual variable dividend, subject to policy limitations, in December 2016, with a record date in early 2017 and payment shortly thereafter. A complete description of our annual variable dividend policy can be found at: progressive.com/dividend.

 Shareholder / Investor Relations

Progressive does not maintain a mailing list for distribution of shareholders’ reports. To view Progressive’s publicly filed documents, shareholders can access our website: progressive.com/sec. To view our earnings and other releases, access: progressive.com/investors.

For financial-related information or to request copies of Progressive’s publicly filed documents free of charge, write to: The Progressive Corporation, Investor Relations, 6300 Wilson Mills Road, Box W33, Mayfield Village, Ohio 44143, email: investor_relations@progressive.com, or call: 440-395-2222.

For all other company information, call: 440-461-5000 or access our website at: progressive.com/contactus.

 Corporate Governance

Progressive’s Corporate Governance Guidelines and Board Committee Charters are available at: progressive.com/governance.

 Charitable Contributions

We contribute annually to: (i) The Insurance Institute for Highway Safety to further its work in reducing the human trauma and economic costs of auto accidents; and (ii) The Progressive Insurance Foundation, which provides matching funds to eligible 501(c)(3) charitable organizations to which Progressive employees, other than ARX employees, contribute.

 Social Responsibility

Progressive uses an interactive online format to communicate our social responsibility efforts. This report can be found at: progressive.com/socialresponsibility.

 Registered Trademark

Net Promoter® is a registered trademark of Satmetrix Systems, Inc.

 Annual Report and Proxy Statement

We have also posted copies of our 2016 Proxy Statement and 2015 Annual Report to Shareholders, in a PDF format, at: progressiveproxy.com.

 Transfer Agent and Registrar

Registered Shareholders: If you have questions or changes to your account and your Progressive shares are registered in your name, write to: American Stock Transfer & Trust Company, Attn: Operations Center, 6201 15th Avenue, Brooklyn, NY 11219; phone: 1-866-709-7695; email: info@amstock.com; or visit their website at: amstock.com.

Beneficial Shareholders: If your Progressive shares are held in a brokerage or other financial institution account, contact your broker or financial institution directly regarding questions or changes to your account.

 Accounting Complaint Procedure

Any employee or other interested party with a complaint or concern regarding accounting, internal accounting controls, or auditing matters relating to Progressive may report such complaint or concern directly to the Chairman of the Audit Committee, as follows: Patrick H. Nettles, Ph.D., Chairman of the Audit Committee, patrick_nettles@progressive.com.

Any such complaint or concern also may be reported anonymously over the following toll-free Alert Line: 1-800-683-3604 or online at: www.progressivealertline.com. Progressive will not retaliate against any individual by reason of his or her having made such a complaint or reported such a concern in good faith.

View the complete procedures at: progressive.com/governance.

 Whistleblower Protections

Progressive will not retaliate against any officer or employee of Progressive because of any lawful act done by the officer or employee to provide information or otherwise assist in investigations regarding conduct that the officer or employee reasonably believes to be a violation of federal securities laws or of any rule or regulation of the Securities and Exchange Commission. View the complete Whistleblower Protections at: progressive.com/governance.

 Counsel

Baker & Hostetler LLP, Cleveland, Ohio

 Contact Non-Management Directors

Interested parties have the ability to contact the non-management directors as a group by sending a written communication clearly addressed to the non-management directors to either of the following:

Stephen R. Hardis*
Lead Independent Director
The Progressive Corporation
email:  stephen_hardis@progressive.com

Charles E. Jarrett
Secretary
The Progressive Corporation
6300 Wilson Mills Road
Mayfield Village, Ohio 44143
email:  chuck_jarrett@progressive.com

The recipient will forward communications so received to the non-management directors.

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