Skyward Specialty Insurance Group, Inc.

Good day, ladies and gentlemen, and thank you for standing by. Welcome to the second quarter of 2025 Skyward Specialty Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question and answer session. To ask a question, you will need to press star 1-1 on your telephone keypad. At this time, I would like to turn the conference over to Natalie Schoolcraft of Investor Relations. May I please begin?

Thank you, Howard. Good morning, everyone, and welcome to our second quarter 2025 earnings conference call. Today I am joined by our chairman and chief executive officer, Andrew Robinson, and chief financial officer, Mark Hochul. 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 schedules, are included as part of our press release and available on our website under the Investor section. With that, I will turn the call over to Andrew. Andrew?

Thank you, Natalie. Good morning, and thank you for joining us. We're pleased to report another outstanding quarter with adjusted operating income of $37.1 million or 89 cents per diluted share driven by $31.2 million of pre-tax underwriting income, our best in company history. Year-to-date annualized return on equity continues to be excellent at 19.1%. Gross return premiums grew 18% for the quarter, and our 89.4% combined ratio, also a company best, are a direct result of our diversified business portfolio and the strong execution of our Rule Our Niche strategy. We continue to generate profitable growth in areas less exposed to the cycles impacting the broader P&C market. Our portfolio mix, risk selection, and operational agility are allowing us to grow where conditions are attractive and moderate where they are not, all while delivering top quartile returns maintaining our low volatility, and not extending our average liability duration. Our growth this quarter is particularly notable as we pulled back again in global and E&S property in response to increasingly softening conditions. And we elected to hold our occurrence liability exposure base roughly flat in spite of an overall positive rate environment simply due to our view that the loss inflation continues to be a serious headwind and we want to be selective in the areas we seek to grow our casualty business. In contrast, our growth in areas including ag, credit, and A&H demonstrates again that we are exceptionally well positioned to adapt and reallocate capital elsewhere in our portfolio to continue to grow underwriting income. We are built not just for today's environment, but for all cycles to deliver long-term outperformance. With that, I'll turn the call over to Mark to discuss our financial results in greater detail. Mark?