Q2 2023 INVESTOR CONFERENCE CALL August 10, 2023 Nasdaq: CNFR Fulfilling the Unique Needs of Specialty Insurance Markets as a Long-Term Partner S H S AFE ARBOR TATEMENT This presentation contains “forward-looking” statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, that are based on our management’s beliefs and assumptions and on information currently available to management. These forward- looking statem ...

Conifer Holdings, Inc. (NASDAQ:CNFR) Q2 2023 Earnings Conference Call August 10, 2023 8:30 AM ET Company Participants Brian Roney – President Jim Petcoff – Executive Chairman and Co-Chief Executive Officer Nick Petcoff – Director and Co-Chief Executive Officer Harold Meloche – Chief Financial Officer Conference Call Participants Paul Newsome – Piper Sandler Operator Good morning, everyone, and welcome to Conifer Holdings' Second Quarter 2023 Investor Conference Call. All participants will be in a listen-onl ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-37536 Conifer Holdings, Inc. (Exact name of registrant as specified in its charter) Michigan 27-1298795 (State or other jurisdiction of (I.R ...

Conifer Holdings, Inc. (NASDAQ:CNFR) Q1 2023 Earnings Conference Call May 11, 2023 8:30 AM ET Company Participants Brian Roney – President Jim Petcoff – Executive Chairman and Co-Chief Executive Officer Nick Petcoff – Director and Co-Chief Executive Officer Harold Meloche – Chief Financial Officer Conference Call Participants Paul Newsome – Piper Sandler Operator Good morning, and welcome to the Conifer Holdings First Quarter 2023 Earnings Conference Call. All participants will be in listen-only mode. [Oper ...

Q1 2023 INVESTOR CONFERENCE CALL Nasdaq: CNFR Fulfilling the Unique Needs of Specialty Insurance Markets as a Long-Term Partner May 11, 2023 2 SAFE HARBOR STATEMENT This presentation contains "forward-looking" statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, that are based on our management's beliefs and assumptions and on information currently available to management. These forward- looking statements ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-37536 Conifer Holdings, Inc. (Exact name of registrant as specified in its charter) Michigan 27-1298795 (State or other jurisdiction of (I. ...

公司监管 - 公司的保险公司子公司受到各州监管[34] - 监管涉及的内容包括控制权收购的事前批准、与附属公司进行的某些交易的监管、批准使用的保费率、表格和政策、资本和盈余的最低标准、投资类型和集中度的限制、保险人和代理人的许可、为保单持有人提供证券存款以及向州保险监管机构提交与财务状况等事项有关的定期报告[34] - 各州监管检查员定期对公司的保险公司子公司进行检查[35] 公司投资组合 - 公司投资组合主要由固定收益证券组成，对利率变化敏感[92] - 利率上升通常会降低固定收益证券的公允市场价值[92] - 公司持有24.4百万美元的无担保优先票据和10.5百万美元的次级票据[92] 公司财务风险 - 公司可能需要重组或再融资债务，出售资产或筹集额外的债务或股本资本[93] - 公司主要通过保险公司子公司获得资金，但受到保险监管限制[93] - 公司可能受到额外的政府或市场监管的影响[95] - 公司的业务可能受到州法律变化的不利影响[95] - 公司的财务实力评级下降可能导致新业务减少[98] - 公司可能受到州保障基金的评估和其他附加费用的影响[100] 公司资本需求 - 公司可能需要未来额外资本，可能会通过债务或股权证券发行筹集资金[1],[2] - 未来可能会保留利润用于业务发展，不会预期未来支付现金股利[3],[4] 公司治理结构 - 公司的主要股东和管理层拥有公司的大部分股份，能够对公司事务产生重大影响[5],[6] - 公司作为上市公司，需要承担大量法律、会计等方面的费用，管理层需要花费大量时间进行合规工作[7],[8] - 公司的董事会和密歇根州法律的某些规定可能会阻碍、延迟或阻止以溢价价格进行合并或收购[9],[10] 公司债务风险 - 公司的债务结构和监管限制可能会限制其通过保险公司子公司的分红或其他分配来满足债务偿还的能力[11],[12] - 公司的债务可能会限制其满足债务偿还义务，增加对一般不利经济和行业条件的脆弱性[13],[14] - 公司的债务可能会限制其未来融资能力，减少用于资本支出和一般公司需求的现金流[15],[16] - 公司的债务可能会限制其在规划或应对业务和行业变化方面的灵活性，使其处于不利地位[17],[18] - 公司的债务可能会对持有人产生重要影响，包括限制满足与债券相关的义务的能力[19],[20] 公司股价波动 - 公司的普通股市场价格可能会因多种原因显著波动，包括对风险的回应，行业分析师的报告，投资者的看法，以及客户、竞争对手或供应商关于其自身表现的负面公告等[116] - 公司可能在到期前赎回债券，被赎回的债券持有人可能无法以相同或更高的回报率再投资赎回所得[116] - 公司可能赎回全部或部分债券，如果发生赎回，被赎回的债券持有人可能无法以与债券回报率相等或更高的利率再投资所得款项[116]

Conifer Holdings, Inc. (NASDAQ:CNFR) Q4 2022 Earnings Conference Call March 9, 2023 8:30 AM ET Company Participants Brian Roney - President James G. Petcoff - Executive Chairman and Co-CEO Nicholas J. Petcoff - Co-CEO Harold Meloche - CFO Conference Call Participants Unidentified Analyst - Private Investor Operator Hello and welcome to Conifer Holdings’ Fourth Quarter 2022 Investor Call. All participants will be in listen-only mode. [Operator Instructions]. After today’s presentation there will be an opport ...

Q4 2022 INVESTOR CONFERENCE CALL March 9, 2023 Nasdaq: CNFR Fulfilling the Unique Needs of Specialty Insurance Markets as a Long-Term Partner 2 SAFE HARBOR STATEMENT This presentation contains "forward-looking" statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, that are based on our management's beliefs and assumptions and on information currently available to management. These forward- looking statement ...