Modernization of our technology platforms and processes has been a key initiative for the past two years. It's foundational to our future growth and geographic expansion. and it's directly tied to one of our highest current priorities, expense management.

Feb 28, 2025 / receipt, needs a key / Tim Marks, CEO | earnings call 2025-02-28 | transcript 25d1e840-ef99-45e2-b9c2-0eb98911eed3 | chars 9391-9646 | segment 9

This work is tied directly to another key priority, expense management. Upgrades and newer platforms can eliminate many of the inefficiencies and delays created by the older systems.

Apr 26, 2024 / receipt, needs a key / Tim DeCastro, CEO | earnings call 2024-04-26 | transcript 4243fe86-a775-4ce6-aa56-cedd4b8e5cf9 | chars 6868-7050 | segment 7

We're continuing with a slate of intentional steps to reduce our combined ratio through a measured approach to rate increases, adherence to expense management and strict underwriting guidelines, and agency profitability reviews.

Apr 28, 2023 / receipt, needs a key / Tim McCastro, CEO | earnings call 2023-04-28 | transcript 5102b03e-2bed-47bb-8700-f4100e8e2052 | chars 2929-3157 | segment 3