The terms authorize Progressive to act on any instructions submitted under a user's credentials, disclaim liability for unauthorized access except where caused by Progressive's gross negligence or intentional misconduct, and reserve the right to block site access without prior notice.
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 provision establishes that Progressive bears no liability for credential-based unauthorized access except in cases of its own gross negligence, and that Progressive may suspend account access without prior notice at its discretion, creating operational exposure for users who rely on site access for account management.
Interpretive note: The enforceability of the liability disclaimer for ordinary negligence-related unauthorized access depends on applicable state data security and insurance regulatory frameworks that may impose independent obligations.
Under these terms, Progressive may act on any instructions submitted under a user's login credentials and may block site access without advance notice; the agreement disclaims Progressive's liability for unauthorized account access unless directly caused by Progressive's gross negligence or intentional misconduct.
Cross-platform context
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Compare across platforms →"Progressive is entitled to act on instructions received under your User ID and password. Progressive is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Progressive. You will keep your password confidential and you will notify Progressive immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur. Progressive may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.Excerpt from Progressive's Terms of Use
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This provision establishes that Progressive bears no liability for credential-based unauthorized access except in cases of its own gross negligence, and that Progressive may suspend account access without prior notice at its discretion, creating operational exposure for users who rely on site access for account management.
Under these terms, Progressive may act on any instructions submitted under a user's login credentials and may block site access without advance notice; the agreement disclaims Progressive's liability for unauthorized account access unless directly caused by Progressive's gross negligence or intentional misconduct.
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