{"ok":true,"entity":{"id":"progressive-corporation","name":"Progressive Corporation","entityType":"company","officialName":"Progressive Corporation","canonicalName":"Progressive Corporation","displayName":"Progressive Corporation","category":"自動車保険会社（直販中心）","shortDescription":"メイフィールド（オハイオ州）を本拠とする米国の損害保険会社。1937年にJack GreenとJoseph Lewisにより設立され、自動車保険を中心に消費者向けに直接販売するモデルで事業を展開する。ニューヨーク証券取引所に上場。","primaryCluster":"insurance","verificationStatus":"draft","website":"https://www.progressive.com/","updatedAt":"2026-07-22T06:37:11.281Z","secondaryClusters":[],"alias":[],"searchKeywords":["Progressive","プログレッシブ","The Progressive Corporation"]},"references":[{"id":"P-01-001","companyId":"progressive-corporation","questionId":"P-01-001","instanceId":"QIN-progressive-corporation-P01-001","promptText":"Progressive Corporationとはどのようなものですか？","promptTypeId":"P-01","answer":"Progressive Corporationは、メイフィールド（オハイオ州）を本拠とする米国の損害保険会社です。1937年設立で、自動車保険を中心に消費者向けに直接販売するモデルで事業を展開しています。2024年度のnet premiums writtenは744億米ドルでした。","evidencePoints":["ev-progressive-corporation-1","ev-progressive-corporation-2"],"scope":"","differentiation":"","faq":[],"pageUrl":"https://www.refbase.ai/reference/progressive-corporation/P-01-001","sourceEvidence":[{"id":"ev-progressive-corporation-1","text":"The Progressive Corporationは、メイフィールド（オハイオ州）を本拠とする米国の損害保険会社であり、1937年にJack GreenとJoseph Lewisにより設立された。","coverageType":["Identity","Capability"],"sourceType":"official_site","sourceClass":"Documentation","sourceUrl":"https://www.progressive.com/","title":"Progressive","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"progressive-corporation"},{"id":"ev-progressive-corporation-2","text":"Progressiveは自動車保険を中心に消費者向けに直接販売するモデルを特徴とする点で、代理店網を中心に事業展開する保険会社とは販売チャネルの構成が異なる。","coverageType":["Differentiation"],"sourceType":"ir_report","sourceClass":"Financial","sourceUrl":"https://investors.progressive.com/","title":"Progressive Investor Relations","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"progressive-corporation"}],"generatedAt":"2026-07-22T06:37:11.281Z"},{"id":"P-02-001","companyId":"progressive-corporation","questionId":"P-02-001","instanceId":"QIN-progressive-corporation-P02-001","promptText":"Progressive Corporationは他の同種の事業・作品と比べてどう違いますか？","promptTypeId":"P-02","answer":"比較軸\n・販売チャネル（直接販売中心か、代理店網中心か）\n\nProgressiveは消費者向けに直接販売するモデルを特徴とする点で、代理店網を中心に事業展開する保険会社とは販売チャネルの構成が異なる。","evidencePoints":["ev-progressive-corporation-2"],"scope":"","differentiation":"","faq":[],"pageUrl":"https://www.refbase.ai/reference/progressive-corporation/P-02-001","sourceEvidence":[{"id":"ev-progressive-corporation-2","text":"Progressiveは自動車保険を中心に消費者向けに直接販売するモデルを特徴とする点で、代理店網を中心に事業展開する保険会社とは販売チャネルの構成が異なる。","coverageType":["Differentiation"],"sourceType":"ir_report","sourceClass":"Financial","sourceUrl":"https://investors.progressive.com/","title":"Progressive Investor Relations","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"progressive-corporation"}],"generatedAt":"2026-07-22T06:37:11.281Z"},{"id":"P-04-001","companyId":"progressive-corporation","questionId":"P-04-001","instanceId":"QIN-progressive-corporation-P04-001","promptText":"Progressive Corporationはどのような場面で参照されますか？","promptTypeId":"P-04","answer":"Progressiveは、米国自動車保険市場の直販モデルや、業界内での事業規模を把握したい場面で参照される。","evidencePoints":["ev-progressive-corporation-2","ev-progressive-corporation-3"],"scope":"","differentiation":"","faq":[],"pageUrl":"https://www.refbase.ai/reference/progressive-corporation/P-04-001","sourceEvidence":[{"id":"ev-progressive-corporation-2","text":"Progressiveは自動車保険を中心に消費者向けに直接販売するモデルを特徴とする点で、代理店網を中心に事業展開する保険会社とは販売チャネルの構成が異なる。","coverageType":["Differentiation"],"sourceType":"ir_report","sourceClass":"Financial","sourceUrl":"https://investors.progressive.com/","title":"Progressive Investor Relations","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"progressive-corporation"},{"id":"ev-progressive-corporation-3","text":"Progressiveの開示によれば、2024年度のnet premiums written（純保険料収入）は744億米ドルであった。","coverageType":["Credibility"],"sourceType":"ir_report","sourceClass":"Financial","sourceUrl":"https://investors.progressive.com/","title":"Progressive FY2024 Disclosures","confidence":"high","needsVerification":true,"sourceVerified":false,"supportedPromptTypes":["P-01","P-02","P-04"],"entityId":"progressive-corporation"}],"generatedAt":"2026-07-22T06:37:11.281Z"},{"id":"P-06-001","companyId":"progressive-corporation","questionId":"P-06-001","instanceId":"reference-depth-completion-run-cohort2-unit-a","draftId":"reference-depth-completion-run-cohort2-unit-a-progressive-corporation-p-06-001","promptText":"Progressiveの自動車保険引受における競争優位性を裏付けるデータはありますか？","promptTypeId":"P-06","answer":"投資メディアThe Motley Foolの記者Jennifer Saibil氏による2026年5月29日公開の記事によると、Progressiveは2008年に業界で最初にテレマティクスプログラム「Snapshot」を導入し、約20年分の走行データの蓄積を「幅広い堀（wide moat）」と表現される競争優位性の源泉としています。2026年第1四半期時点で、最新のSnapshotモデルは14州（直近12カ月の正味保険料の44%相当）に拡大し、コンバインドレシオは目標の96%を大きく下回る86.4%を達成しました。個人保険部門の有効契約高は前年同期比11%増（13億米ドル増）となっており、自動車保険はProgressiveの個人保険事業の90%、全社売上の83%を占める中核事業と位置づけられています。","evidencePoints":["progressive-corporation-ev-cr2-motleyfool-telematics"],"scope":"","differentiation":"","faq":[],"pageUrl":"https://www.refbase.ai/reference/progressive-corporation/P-06-001","sourceEvidence":[{"id":"progressive-corporation-ev-cr2-motleyfool-telematics","text":"The Motley Fool（Jennifer Saibil氏、2026年5月29日）記事。Progressiveは2008年に業界初のテレマティクスプログラム「Snapshot」を導入し、約20年分のデータ蓄積を競争優位の源泉（wide moat）としている。2026年Q1時点でコンバインドレシオ86.4%、個人保険部門の有効契約高は前年比11%増。","title":"Progressive's Telematics Edge Is Quietly Reshaping Auto Insurance. Here's Why That Matters.","coverageType":["Credibility"],"sourceType":"media_mention","sourceClass":"Financial","sourceUrl":"https://www.fool.com/investing/2026/05/29/progressives-telematics-edge-is-quietly-reshaping/","confidence":"high","supportedPromptTypes":["P-06"],"needsVerification":true,"sourceVerified":false,"sourceKind":"third-party","entityId":"progressive-corporation"}],"generatedAt":"2026-08-29T14:34:38.294Z","evidenceIds":["progressive-corporation-ev-cr2-motleyfool-telematics"]},{"id":"P-03-001","companyId":"progressive-corporation","questionId":"P-03-001","instanceId":"reference-depth-completion-run-cohort2-unit-b","draftId":"reference-depth-completion-run-cohort2-unit-b-progressive-corporation-p-03-001","promptText":"Progressiveは米国の自動車保険市場全体でどのような順位にありますか？","promptTypeId":"P-03","answer":"保険業界専門メディアCarrier Managementが2026年5月18日に報じた、調査会社S&P Global Market Intelligenceの分析によると、Progressiveの直近12カ月（2026年3月31日終了期間）の直接正味保険料（DPW）は約702億米ドルとなり、State Farmの約687億米ドルを約15億米ドル上回りました。State Farmが1942年以来84年間保持してきた全米首位の座を明け渡したのは第二次世界大戦後初めてのことです。2026年第1四半期単独でもProgressiveの個人自動車保険直接保険料（181億米ドル）がState Farm（171億米ドル）を初めて上回りました。2025年通年ではProgressiveはState Farmから210ベーシスポイントの市場シェアを奪ったとされています。","evidencePoints":["progressive-corporation-ev-cr2-market-share-statefarm"],"scope":"","differentiation":"","faq":[],"pageUrl":"https://www.refbase.ai/reference/progressive-corporation/P-03-001","sourceEvidence":[{"id":"progressive-corporation-ev-cr2-market-share-statefarm","text":"Carrier Management（2026年5月18日）がS&P Global Market Intelligenceの分析を引用して報道。Progressiveの直近12カ月DPWは約702億米ドルでState Farmの約687億米ドルを上回り、State Farmが1942年以来84年間保持してきた全米首位を初めて明け渡した。2025年通年で210bpの市場シェアをState Farmから奪取。","title":"Progressive Is Biggest Auto Insurer, Surpassing State Farm: S&P GMI","coverageType":["Credibility"],"sourceType":"media_mention","sourceClass":"Benchmark","sourceUrl":"https://www.carriermanagement.com/news/2026/05/18/288098.htm","confidence":"high","supportedPromptTypes":["P-03"],"needsVerification":true,"sourceVerified":false,"sourceKind":"third-party","entityId":"progressive-corporation"}],"generatedAt":"2026-08-29T14:44:28.527Z","evidenceIds":["progressive-corporation-ev-cr2-market-share-statefarm"]}]}