What is the main reason for this 10-K/A filing?

The primary reason for this filing is to amend the original Form 10-K to correct and resubmit Exhibits 31(A) and 31(B). These exhibits contain the required certifications from the Principal Executive Officer and Principal Financial Officer under Section 302 of the Sarbanes-Oxley Act of 2002, which inadvertently omitted some required language in the initial filing.

Does this amendment change the financial results reported for fiscal year 2004?

No, this filing is purely for administrative and compliance purposes related to the Sarbanes-Oxley Act certifications. It does not alter the financial statements or operational performance reported in the original Form 10-K for the fiscal year ended December 31, 2004.

What does it mean that Progressive is an 'accelerated filer'?

Being an 'accelerated filer' means that The Progressive Corporation meets certain size and filing history requirements set by the SEC. This classification allows for certain filing flexibilities and typically indicates a larger, more established company with publicly traded securities.

Are there any new business operations or financial performance details in this amendment?

No, this amendment specifically addresses a technical correction to the SOX certifications. Investors should refer to the original Form 10-K filed on March 1, 2005, and any incorporated documents for details on the company's business, financial performance, and risk factors for the fiscal year 2004.

PGR 10-K FY2004 Annual Report — Revenue, Net Income, EPS

Summary

This filing is an amendment (10-K/A) to The Progressive Corporation's annual report for the fiscal year ended December 31, 2004. The primary purpose of this amendment is to correct and resubmit Exhibits 31(A) and 31(B), which contain the certifications of the Principal Executive Officer and Principal Financial Officer, as required by Section 302 of the Sarbanes-Oxley Act of 2002. These corrected exhibits ensure compliance with SOX regulations by including previously omitted wording. Investors should note that this filing does not introduce new financial or operational information but rather rectifies a procedural compliance aspect of the original 10-K filing.

Key Highlights

1The filing is an amendment to the Form 10-K for the fiscal year ended December 31, 2004.
2The sole purpose of this amendment is to correct Exhibits 31(A) and 31(B) related to Sarbanes-Oxley Act (SOX) Section 302 certifications.
3The corrections involve the omission of certain required wording in the original SOX certifications.
4The Progressive Corporation has filed all required reports and has been subject to filing requirements for the past 90 days.
5The company is classified as an 'accelerated filer'.
6The aggregate market value of the company's common stock held by non-affiliates as of June 30, 2004, was approximately $16.9 billion.
7The number of outstanding common shares as of January 31, 2005, was approximately 200.1 million.

PROGRESSIVE CORP/OH/ Annual Report (Amendment), Year Ended Dec 31, 2004

Summary

Key Highlights

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