In addition to raising rates across Florida and our broader footprint, we've reduced exposure to less profitable geographies, tightened underwriting criteria, renegotiated commission rates with our agency partners, and exercised prudent expense management.

Apr 29, 2022 / receipt, needs a key / Steve Donaghy, CEO | earnings call 2022-04-29 | transcript bdafa0db-708a-4cea-961c-c433745b7edd | chars 1772-2028 | segment 1

For the year, the expense ratio improved 1.2 points on a direct premium earned basis due to business expense management, including a reduction in agent commissions, advertising, and lower executive compensation, as well as primary rate increase impact on the ratio.

Feb 25, 2022 / receipt, needs a key / Frank Wilcox, CFO | earnings call 2022-02-25 | transcript 142b119c-c6b9-4874-9fb3-ae6724cf991c | chars 4637-4902 | segment 4

Our business expenses were lower from continued expense management controls, including lower agency commissions and employee productivity gains, in addition to lower executive compensation accruals.

Oct 28, 2021 / receipt, needs a key / Steve Dunahee, CEO | earnings call 2021-10-28 | transcript cce36c46-ff87-4016-b031-dc6e3e4e399c | chars 2056-2254 | segment 2

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company_statement / Sep 7, 2026 / receipt

Senior Designer - 12 month FTC | {"ats": "greenhouse", "city": null, "state": null, "job_id": "8184967", "remote": false, "category": "other", "function": "product", "location": "London, England, Unit

company_statement / Sep 7, 2026 / receipt

Open Applicatons | {"ats": "greenhouse", "city": null, "state": null, "job_id": "7361906", "remote": false, "category": "other", "function": "other", "location": "London, England, United Kingdom", "jo

company_statement / Oct 28, 2025 / receipt

Freelance Designer | {"ats": "greenhouse", "city": null, "state": null, "job_id": "7278728", "remote": false, "category": "other", "function": "product", "location": "London, England, United Kingdom",

company_statement / Sep 26, 2025 / receipt