Conifer Holdings, Inc.

Good day, and welcome to the Conifer Holdings Fourth Quarter Investors Conference Call. All participants will be in 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. I would now like to turn the conference over to Ryan Roney.

Please go ahead. Thank you, and good morning, everyone. Conifer issued its 2021 fourth quarter and year-end financial results after the close of market yesterday. You can find copies of the earnings release on the company's website, ir.cnfrh.com. The slide presentation accompanying management's discussion this morning 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 laws, including statements relating to trends, the company's operations, and financial results, and the business and products 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-looking 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. Reconciliations of these non-GAAP financial measures to the comparable GAAP financial measures are included when possible in our earnings release and our historical SEC filings. 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'll turn the call over to Jim Peckhoff, Chairman and Chief Executive Officer. Jim?

Thanks, Brian. Good morning, everyone. On the call with me today are, in addition to Brian, are Nick, Harold, and Andy. On today's call, I'll provide a brief update on our business and strategic initiatives underway at the company. Nick will then discuss our underlying results in greater detail, and Harold will cover the financials. The highlight for our fourth quarter, and really for all of 2021, was the continuation of our top-line premium growth. Year over year, I was pleased to see gross written premiums increase by roughly 19% over the 2020 levels. What's more, the sustained top line has consequently led to even greater net earned premium growth, helping further rationalize and reduce our expense ratio. In addition, our ongoing expense initiatives have helped streamline our organization through even greater technological utilization. As you may be aware, over the past several years, we have continued to refine our business mix, and 2021 was no different. We focused on our book of business on the most profitable lines, whether commercial or personal. Today, we feel we have a quality book of business and are focused on expanding this book while capitalizing on opportunities. We continue to closely monitor performance throughout our book, utilizing our flexible infrastructure to respond to niche market opportunities. The fourth quarter was a positive indication of that successful book of business. coming into fruition and ensuring that our previous underwriting efforts are reflective in our results. With our business mix optimized, we continue to refine our book account by account and seek additional rate wherever needed. The fourth quarter reflected solid underwriting results, which we expect to continue throughout 2022 and beyond. Looking ahead to the rest of 2022, growth in our core specialty markets remains sustainable, with significant runway and opportunities to reach deeper into our chosen markets. We expect to see consistent long-term profitability emerge. With that, let me turn it over to Nick for more color on our underwriting results. Nick?