Skyward Specialty Insurance Group, Inc.

Good day and thank you for standing by. Welcome to the Q3 2024 Skyward Specialty earnings conference call. At this time, all participants are in listen only mode. After the speaker's presentation, there will be a question and answer session. To ask a question during this session, you need to press star one one on your telephone. You would then hear an automated message advising your hand is raised. To withdraw your question, please press star one one again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your first speaker today, Natalie Schoolcraft, Head of Investor Relations. Please go ahead.

Thank you, Antoine. Good morning, everyone, and welcome to our third quarter 2024 earnings conference call. Today, I am joined by our Chairman and Chief Executive Officer, Andrew Robinson, and Chief Financial Officer, Mark Hochschild. We will begin the call today with our prepared remarks, and then we will open the lines for questions. Our comments today may include forward-looking statements, which by their nature involve a number of risk factors and uncertainties, which may affect future financial performance. Such risk factors may cause actual results to differ materially from those contained in our projections or forward-looking statements. These types of factors are discussed in our press release, as well as in our 10-K that was previously filed with the Securities and Exchange Commission. Financial schedules containing reconciliations of certain non-GAAP measures, along with other supplemental financial information, are included as part of our press release and available on our website, skywardinsurance.com, under the Investors section. With that, I will turn the call over to Andrew. Andrew?

Thank you, Natalie. Good morning, everyone, and thank you for joining us. We had another solid quarter reporting adjusted operating income of $0.71 per diluted share. Through nine months, our adjusted operating income of $2.26 per diluted share is up over 50% compared to 2023. Despite an active catastrophe quarter for the industry and over 25% of our portfolio in property, we reported a 92.2% combined ratio, which includes less than three points of CAT losses, a testament to our discipline underwriting and risk management strategy. Our fully diluted book value per share was up 19% from the beginning of the year to $18.99, and our annualized return on equity through nine months was an outstanding 19.1%. While in pockets, the market is becoming more challenging. I'm pleased with our execution and remain bullish on our outlook. I'll talk more about this later in the call. With that, I'll turn the call over to Mark to discuss our financial results in greater detail. Mark?