Conifer Holdings, Inc.

Good morning and welcome to Conifer Holdings' third quarter 2021 investor conference call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. Please note, this event is being recorded. I would now like to turn the conference over to Adam Pryor of the Equity Group. Please go ahead.

Thank you, and good morning, everyone. Conifer issued its 2021 third quarter financial results after the close of market yesterday. On the company's website, ir.cnsrh.com, you can find copies of the earnings release as well as the slide presentation that accompanies management's discussion today, which is available to view or download via webcast or from the investor relations portion of Conifer's website. Before we get started, the company has asked that I note that except with respect to historical information, statements made in this conference call may constitute forward-looking statements within the meaning of the federal securities law, including statements related to trends, the company's operations and financial results, and the business and the product of the company and its subsidiaries. Actual results from CONIFER may differ materially from the results anticipated in these forward-looking statements. As a result of various risks and uncertainties underlying our forward-looking statements, including risks and uncertainties associated with COVID-19 and its impact on the economy and on our business as well as those risks described from time to time in Conifer's filings with the SEC, including our latest Form 10-K and subsequent reports. Conifer specifically disclaims any obligation to update or revise any forward business statements, whether as a result of new information, future developments, or otherwise. In addition, a replay of this call will be provided through a link on the investor relations section of our website. During this call, we'll also discuss non-GAAP financial measures as defined by SEC Regulation G. Reconciliation of these non-GAAP financial measures to the comparable GAAP financial measures are included. They're impossible in our earnings release and our historical SEC filing. Statutory accounting data is prepared in accordance with statutory accounting rules and is therefore not reconciled to GAAP. We will conduct a Q&A session after management's prepared remarks this morning. With that, I'd now like to turn the call over to Mr. Jim Peptoff, Chairman and Chief Executive Officer. Please go ahead, Jim.

Thank you, Adam. Good morning, everyone. On the call with me today is Nick, Harold, Andy, and Brian. On today's call, I'd like to provide a brief overview. Nick will discuss the underwriting results in greater detail, and Harold will cover the financials. The third quarter, I was pleased to see continued gross-ridden premium growth, up almost 13% quarter-over-quarter, and up just over 20% for the nine-month period. Both commercial and personal lines reported meaningful growth in gross-ridden premiums, leading to another quarter of double-digit growth for California. For the changes we have been successfully implementing for several years now, our business mix is largely where we'd like it to be, and we are solely focused on growing deeper in our established specialty lines. In addition, a major component of our top line growth in the quarter came from significant rate increases in the select lines that we serve. In general, we continue to push rate wherever possible. Nick will have a little bit more on this later. With the general business enhancements that we continue to roll through our book, we are excited about the positive impact for the future. The ongoing top line growth will definitely drive fundamental economies of scale. helping reduce our overall cost structure and increasing operating efficiency as well. After several years of optimizing our business mix, we see promising signs for a very favorable growth trend going forward. For the remainder of 2021, our focus will continue to be on generating profitable premium growth in our best-performing lines. In our core specialty markets, our growth remains sustainable and has significant runway. We will greatly enhance Convr's ability to report consistent operating profit going forward. With that, I turn it over to Nick.