Skyward Specialty Insurance Group, Inc.

Thank you for standing by and welcome to the Skyward Specialty Insurance Group's fourth quarter 2024 earnings conference call. At this time, all participants are in listen-only mode. After the speaker's remarks, there will be a question and answer session. To ask a question during this session, you'll need to press star 1-1 on your telephone. If your question has been answered and you'd like to remove yourself from the queue, simply press star 1-1 again. As a reminder, today's program is being recorded. And now I'd like to introduce your host for today's program, Natalie Schoolcraft, Vice President of Investor Relations. Please go ahead.

Thank you, Jonathan. Good morning, everyone, and welcome to our fourth 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 Investor 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 finished the year strong, reporting adjusted operating income of $0.80 per diluted share for the quarter, driven by both outstanding underwriting and investment results. For the third time this year, we delivered quarterly growth above 20%. For the year, our adjusted operating income of $2.87 per diluted share is up over 28% compared to 2023. Our book value per share was up 18% from the beginning of the year to $19.79, And our full-year return on equity of 16.3% was, again, a strong result. The 19% full-year top line growth was outstanding given the current market backdrop. And our focus on shifting our portfolio to less P&C cycle-exposed parts of the market is working. I'll talk more about that later in the call. With that, I'll turn the call over to Mark to discuss our financial results in greater detail. Mark?