The Progressive Group Of Insurance Companies

We help to design and implement the technologies that drive business performance. (Ernst & Young LLP)

Besides the product and geographical focus, Progressive also emphasizes on strengthening the relationship with the over 14,000 agents to distribute its products and services. By discipline pricing, Progressive demands adequate rates to achieve underwriting profitability and is willing to forego volume if necessary to achieve profit objectives. It is committed to set individual rates more accurately than the competitors. In addition, they will promptly respond to claims reported by local claim adjusters, which deliver effective control of the claim resolution process.

Testing is when you check for faults, take measures to check quality, look at reliability and look at the

Testing of the entire system will be performed to verify that all parts and counterparts are functional. This is the testing that is made prior to release. Tests performed in this stage verify for the following:

I have a thorough understanding of our business and our customer. I monitor the trends and behavior of our brands and those of our competitors. I use my knowledge to make the appropriates changes and to empower myself. I follow the guidelines and appropriate channels to communicate effectively with peers, supervisors and partners to get the best results in the day to day business.

Test Plan: The software is tested using two levels of testing viz. black box testing and white box testing. White box testing could be carried out in three different phases viz. unit testing system/integration testing and validation testing. • Unit Testing: Unit testing, also known as Module Testing, focuses verification efforts on the module. The module is tested separately and this is carried out at the programming stage itself.Unit Test comprises of the set of tests performed by an individual programmer before integration of the unit into the system. Unit test focuses on the smallest unit of software design- the software component or module. Using component level design, important control paths are tested to uncover errors within the boundary of the module. Unit test is white box oriented and the step can be conducted in parallel for

The process that Geico follows for providing affordable car insurance to fulfill a wide range of customer needs is comprised of four core steps. Regardless of which medium of contact a customer uses, Geico will provide answers to an in depth situational analysis questionnaire that gathers data on personal driving and vehicle history. The following step allows customers to specify their individual needs for coverage. These responses are then used to generate a variety of insurance options. Finally, the customer works with an insurance underwriter to revise and then finalize their selection (Lastname, J). The culmination of this process ensures every customer receives their auto insurance at the most reasonable price available, without sacrificing any quality.

Testing is the next phase of the implementation phase. A comprehensive testing program includes a stepwise process starting with unit testing, followed by testing of group components called integration testing and concluded with entire systems test (Satzinger et al., 2004, p. 640). Individual units or modules are tested prior to integration with more advanced modules, using driver modules. Once a set of modules are put together, integration testing can take place. These test include checking for interface compatibility, run-time exceptions, parameter values and unexpected state interactions (Satzinger et al., p. 644-645). Jeff Theobald suggests that an effort should be made to concentrate not on just errors in a single application or module, but also the system as a whole and between systems (Theobald, 2007). After these tests are completed, the project goes on to system testing. System testing often involves daily “build and smoke” tests, where the system is set to run and is observed for “smoke” or errors (McConnell, 1996). The TPI credentialing system was tested in this manner. The project made it through the first two testing

With all the choices for automobile protection reporting out there, why take us? Because we will bear you, undertaking and all. Best Auto Contract accepts a large reach of drivers and swing histories. Fortunate for you, an factor can service you decide the hand Best policy for your auto, so you can go out and revel the move piece someone added takes mend of the paperwork! Our Motorcar Insurance Has You Besmeared: Our Dynamite Deductible� Support.

Policy flexibility ; Progressive has more than 30,000 independent insurance agents that, along with simply auto insurance and other insurance products, can give detailed, in-depth information about policies and discounts, as well as assist in finding a coverage level that suits the needs and budget of the policyholder. Whether you need a Liability-Only policy for a single vehicle or Full Collision coverage with no deductible, Progressive has just the right policy and insurance product for you.

Buying auto insurance is not something that people look forward to doing. It is not a fun or exciting activity, but rather a serious necessity. The act of shopping for car insurance can be difficult and confusing. Having to compare all the different insurance companies’ quotes and trying to find a plan that works best for you and that you can afford can be frustrating and is usually time consuming. Progressive, a home and auto insurance company set out to humanize insurance and make buying insurance a simpler, more enjoyable process. In 2008 Progressive started a new TV-ad campaign centered around the “Superstore”. Showcased were clean, simple and open market places where people could go buy insurance and get the help they needed from the knowledgeable and helpful staff like Flo.

We ranked fourth in market share in the U.S. private passenger auto market for 2009 based on net premiums written and believe that we held that position for 2010. There are approximately 360 competitors in this market. Progressive and the other leading 14 private passenger auto insurers, each of which writes over $1.8 billion of premiums, comprise about 75% of this market. For 2009, the industry net premiums written for private passenger auto insurance in the United States was $156.5 billion, and our share of this market was approximately 7.8%, compared to $158.0 billion and 7.3% in 2008, respectively; comparable industry data is not available for 2010 at this time. All industry data, including ranking and market share, was obtained directly from data reported by either SNL Financial or A.M. Best Company, Inc. (“A.M. Best”), or was estimated using A.M. Best data as the primary source.

To achieve this objective, Progressive used detailed data to price the high-risk drivers and conduct further research on customers with unfavorable background records. They had the specific objective of increasing premiums at a rate of at least 15% each year.

While the intention was that the People 's Insurance Company of Canada (PICC) would have an organic organizational structure, this intention was at least partially offset by the close integration of the Insurance company with the parent People 's Bank. The result was an entity in which the superficially organic, generally non-hierarchical Insurance organization has been overridden by the highly hierarchical and mechanistic bank organization. The PICC’s actual structure has both mechanistic and organic aspects. With regard to work specialization, it is generally narrow and mechanistic with the VP for HR, Mary Thorne, fighting an ongoing battle with the Bank on the grounds that PICC needed staff with specialized skills in the insurance industry. With respect to chain of command, while the structure of PICC was intended to be open, non-hierarchical and organic, it is clear that it is generally mechanistic in its most important aspects. For example, while there may be an open office environment in general, the senior team members have private offices. Similarly, while the the emphasis of PICC is towards self-managing teams, many approvals - such as new purchases - had to be signed off by multiple layers of the bank 's management. Thus, the chain of command is very rigid in terms of its senior decision-makers.

Progressive is one of the largest car insurance providers. It offers its services through a internet or by phone and it is well known . Progressive is a company that offers auto, home and renters, motorcycle, rv/trailer, and even more types of insurance. Trying to stay one step ahead of all the other insurance providers, progressive wants to find new and affordable insurance solutions for its customers. Progressive core values or vision is to provide customers with services that will reduce the economic cost and trauma that comes along with automobile accidents.