Users enrolled in the Mobile Alerts service agree to indemnify Progressive against claims, losses, and legal costs arising from the user providing a phone number that belongs to someone else or from the user's violation of applicable laws.
This analysis describes what Progressive's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This indemnification obligation shifts legal defense costs and liability to the user for TCPA-related claims that may arise if the user provides an incorrect or third-party phone number, which is operationally significant given the TCPA's per-message statutory damages framework.
Interpretive note: The enforceability of consumer indemnification provisions in TCPA-adjacent contexts may vary by jurisdiction and depends on applicable state law governing indemnification clauses in consumer contracts.
The Mobile Alerts terms require users to cover Progressive's legal costs and losses if a user provides a phone number belonging to someone else, which directly engages TCPA liability exposure given that sending text messages to a non-consenting number may give rise to statutory claims.
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Compare across platforms →"Additionally, you agree to indemnify, defend and hold us harmless from and against any claims, losses or costs (including reasonable attorneys' fees) arising from your provision of a phone number that is not your own or your violation of applicable state and federal laws and regulations.Excerpt from Progressive's Terms of Use
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This indemnification obligation shifts legal defense costs and liability to the user for TCPA-related claims that may arise if the user provides an incorrect or third-party phone number, which is operationally significant given the TCPA's per-message statutory damages framework.
The Mobile Alerts terms require users to cover Progressive's legal costs and losses if a user provides a phone number belonging to someone else, which directly engages TCPA liability exposure given that sending text messages to a non-consenting number may give rise to statutory claims.
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