monetization_vector
recurring insurance premiums
Medium
SEC-10K 0000080661-26-000086
pricing_architecture
tiered / usage-based / negotiated
Medium
SEC-10K 0000080661-26-000086
revenue_model_type
insurance premiums (subscription-like recurring)
Medium
SEC-10K 0000080661-26-000086
customer_acquisition_metric
Direct (online/phone) and agency channels; heavy brand advertising and price competitiveness
Medium
SEC-10K 0000080661-26-000086
customer_segment_primary
consumer
Medium
SEC-10K 0000080661-26-000086
customer_segment_secondary
small business / SMB
Medium
SEC-10K 0000080661-26-000086
business_model_type_primary
insurance carrier / property-casualty insurer
Medium
SEC-10K 0000080661-26-000086
business_model_type_secondary
service provider / commission-based intermediary
Medium
SEC-10K 0000080661-26-000086
supply_chain_dependency
Moderate
Medium
SEC-10K 0000080661-26-000086
headcount_cost_structure
Linear
Medium
SEC-10K 0000080661-26-000086
geographic_footprint
Primarily domestic (US); some international subsidiaries
Medium
SEC-10K 0000080661-26-000086
regulatory_burden_tier
Very High
Medium
GICS-regulatory-overlay-v1
howey_test_risk_index
Low
Medium
SEC-10K 0000080661-26-000086
antitrust_exposure_flag
No
Medium
SEC-10K 0000080661-26-000086
data_sovereignty_risk
Moderate to High
Medium
SEC-10K 0000080661-26-000086
vendor_lock_dependency_score
Moderate
Medium
SEC-10K 0000080661-26-000086
pricing_power_rating
Moderate
Medium
SEC-10K 0000080661-26-000086
network_effect_present
Partial
Medium
SEC-10K 0000080661-26-000086
switching_cost_profile
Low to Moderate
Medium
SEC-10K 0000080661-26-000086
asset_efficiency_ratio
11.6% Return on Assets (Excellent)
High
SEC-XBRL
recession_resistance_tier
Mixed
Medium
SEC-10K 0000080661-26-000086
interest_rate_sensitivity
Moderate
Medium
SEC-10K 0000080661-26-000086
debt_leverage_profile
0.09x Total Debt / Equity (Conservative)
High
SEC-XBRL
geopolitical_supply_exposure
Low intensity; The still-binding Russia sanctions architecture — the oil price-cap regime plus the April 2024 LME/CME bar on new Russian aluminum, copper, and nickel — puts banks' commodity trade-finance, clearing, and warehousing-adjacent businesses on the compliance and secondary-sanctions front line even where they carry no price exposure.
Medium
GICS-commodity-overlay-v2
marginal_cost_of_growth
Sublinear
Medium
SEC-10K 0000080661-26-000086
franchise_compliance_risk
N-A
Medium
SEC-10K 0000080661-26-000086
international_expansion_readiness
Low to Moderate
Medium
SEC-10K 0000080661-26-000086
characteristic_occupations
["11-0000 Management Occupations", "13-0000 Business and Financial Operations Occupations", "15-0000 Computer and Mathematical Occupations", "23-0000 Legal Occupations", "41-0000 Sales and Related Occupations", "43-0000 Office and Administrative Support Occupations"]
High
SOC-2018/GICS-overlay
agent_automatable_labor_share
0.36 (Hybrid — ~36% of characteristic roles agent-automatable)
Medium
SOC-2018 + agentic-exposure-v2
commodity_exposure_profile
Low intensity; commodities: gold, crude oil, natural gas, electric power, copper/base metals; geopolitical: The still-binding Russia sanctions architecture — the oil price-cap regime plus the April 2024 LME/CME bar on new Russian aluminum, copper, and nickel — puts banks' commodity trade-finance, clearing, and warehousing-adjacent businesses on the compliance and secondary-sanctions front line even where they carry no price exposure.
Medium
GICS-commodity-overlay-v2
regulatory_exposure_profile
Very High burden; regimes: Federal Reserve, OCC, SEC, CFPB, Basel III, FINRA; Rising capital requirements and stress-test standards constrain shareholder returns.
Medium
GICS-regulatory-overlay-v1
sec_cik
0000080661
High
SEC-EDGAR
ticker
PGR
High
SEC-EDGAR
capital_expenditure_profile
0.4% CapEx / Revenue (Low-CapEx Asset-Light)
High
SEC-XBRL
churn_vulnerability_index
Moderate
Medium
SEC-10K 0000080661-26-000086
Filings_Dog_Scope
antitrust_exposure_flag,business_model_type_primary,business_model_type_secondary,churn_vulnerability_index,customer_acquisition_metric,customer_segment_primary,customer_segment_secondary,data_sovereignty_risk,franchise_compliance_risk,geographic_footprint,geopolitical_supply_exposure,headcount_cost_structure,howey_test_risk_index,interest_rate_sensitivity,international_expansion_readiness,marginal_cost_of_growth,monetization_vector,network_effect_present,pricing_architecture,pricing_power_rating,recession_resistance_tier,regulatory_burden_tier,revenue_model_type,supply_chain_dependency,switching_cost_profile,vendor_lock_dependency_score
High
SEC-10K 0000080661-26-000086
insider_buys_6m
0
Medium
SEC-Form4 0000080661-26-000324..0000080661-26-000159
insider_sells_6m
15
Medium
SEC-Form4 0000080661-26-000324..0000080661-26-000159
insider_net_shares_6m
-124148
Medium
SEC-Form4 0000080661-26-000324..0000080661-26-000159
insider_last_transaction_date
2026-09-24
Medium
SEC-Form4 0000080661-26-000324..0000080661-26-000159
Insider_Dog_Checked
2026-10-03T13:50|activist_13d_count_1y,activist_last_13d_date,blockholder_13g_count_1y,insider_buys_6m,insider_last_transaction_date,insider_net_shares_6m,insider_sells_6m
Medium
SEC-Form4 registry
activist_13d_count_1y
0
High
SEC-13D/G registry, subject-verified
blockholder_13g_count_1y
2
High
SEC-13D/G registry, subject-verified
activist_last_13d_date
none in window
High
SEC-13D/G registry, subject-verified