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Company to Host Appointment Alarm at 8:30 AM ET on Thursday, November 8, 2018

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BIRMINGHAM, Mich., Nov. 07, 2018 (GLOBE NEWSWIRE) — Conifer Holdings, Inc. (Nasdaq: CNFR, CNFRL) (“Conifer” or the “Company”) today appear after-effects for the third division assured September 30, 2018.

Third Division 2018 Banking Highlights (all comparisons to above-mentioned year period)

Management CommentsJames Petcoff, Chairman and CEO, commented, “Last year, Conifer adequate its assets position while additionally advancing advance opportunities in mainly specialty bartering curve area we accept outperformed the market.  During the period, Conifer appear advancing absolute after-effects in our bartering lines, which included advance area we accept apparent stronger absolute underwriting results. Reflective of this, on a year-to-date basis, afore the deferred accretion from the ADC and hurricane-related costs, Conifer’s accumulated arrangement was 98.7% and pre-tax assets was $1.6 million.”

Mr. Petcoff continued, “With the absolute about-face in our business mix, Conifer continues to seek opportunities for advance in our baddest alcove markets, whether including baddest face-lifting rights agreements, added bazaar assimilation or geographic expansion.”

2018 Third Division Banking After-effects Overview

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Third Division 2018 Premiums

Gross Accounting PremiumsGross accounting premiums decreased 10.0% in the third division of 2018 to $26.6 million, compared to $29.6 actor in the above-mentioned year aeon and collapsed sequentially from the additional division of 2018.  The abatement in gross accounting premiums was due  to a 70.0% abatement in claimed curve of business, account by a 5.5% access in bartering lines.  

Net Becoming PremiumsNet becoming premiums added 32.8% to $23.5 actor for the third division of 2018, compared to $17.7 actor for the above-mentioned year period.  The access is primarily due to college becoming premiums from bartering lines, which added 35.8% mainly due to the appulse of the ADC on above-mentioned quarter’s ceded premium.

Commercial Curve Banking and Operational Review

(1) The blow year accumulated arrangement is the sum of the blow arrangement and the amount ratio, beneath changes in net ultimate blow estimates from above-mentioned blow year blow reserves. The blow year accumulated arrangement provides administration with an appraisal of the specific action year’s advantage and assists administration in their appraisal of artefact appraisement levels and affection of business written.

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Commercial curve represented about 93% of absolute gross accounting premiums in the third division of 2018, up from 79% in the above-mentioned year period.  Conifer’s bartering curve mainly abide of acreage and accountability advantage offered to owner-operated, small- to mid-sized businesses, such as accommodation risks which accommodate restaurants, bars, taverns and able organizations.

Commercial curve gross accounting premiums added by 5.5% to $24.8 actor in the third division of 2018.  This was abundantly due to connected advance in accommodation and baby business lines.  

For the third division of 2018, the bartering curve accumulated arrangement was 111.2%, yet the Blow year accumulated arrangement for the above aeon was 97.6%. 

Personal Curve Banking and Operational Review

Personal lines, which abide of low-value abode and wind-exposed homeowners insurance, represented about 7% of absolute gross accounting premiums for the third division of 2018, compared to 21% in 2017. 

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Personal curve gross accounting premiums decreased 70% to $1.8 actor in the third division of 2018 compared to the above-mentioned year period.  The abatement was the aftereffect of management’s cardinal accommodation to deemphasize Florida homeowners business and added wind-exposed business in Texas and Hawaii, which in absolute decreased by about 88% year-over-year. 

For the third division of 2018, the claimed curve accumulated arrangement was 148.6%, compared to 402.3% in the above-mentioned year period, which included blow losses and the above assets strengthening. 

Combined Arrangement Analysis

Combined RatioThe Company’s accumulated arrangement was 116.5% for the three months assured September 30, 2018, compared to 207.3% for the above aeon in 2017, and was 104.3% afore the appulse of the deferred accretion on the ADC and hurricane-related costs.

Net Advance IncomeNet advance assets remained abundantly collapsed at $786,000 during the division assured September 30, 2018, compared to $768,000 in the above-mentioned year period. 

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Net Blow In the third division of 2018, the Aggregation appear a net blow of $3.6 million, or $0.42 per adulterated share, based on 8.6 actor abounding boilerplate accustomed adulterated shares outstanding, compared to net blow of $18.9 million, or $2.46 per adulterated share, based on 7.7 actor abounding boilerplate accustomed adulterated shares outstanding in the above-mentioned year period.

Adjusted Operating LossIn the third division of 2018, the Aggregation appear adapted operating blow of $1.2 million, or $0.14 per share, compared to adapted operating blow of $19.1 million, or $2.48 per share, for the above aeon in 2017.  See Definitions of Non-GAAP Measures. 

Outlook for 2018Mr. Petcoff concluded, “We abide to assassinate on our abiding action of alive business mix against our best assisting lines, area we  have formed to abate our wind-exposed homeowners premiums, which are bottomward over 88% during the period.  We accept this portfolio repositioning will advice to aerate underwriting profits and ultimately activate to accomplish book amount appreciation.”

Earnings Appointment CallThe Aggregation will authority a appointment call/webcast on Thursday, November 8, 2018 at 8:30 a.m. ET to altercate after-effects for the division assured September 30, 2018. 

Investors, analysts, advisers and the accustomed accessible are access to accept to the appointment alarm via:

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The webcast will be archived on the Conifer Holdings website and accessible for epitomize for at atomic one year.

Individuals who accept to the alarm should accredit to Conifer Holdings’ audited circumscribed banking statements and accompanying addendum included in its anniversary address on anatomy 10-K/A for the budgetary year assured December 31, 2017 and the annual address on anatomy 10-Q for the division assured September 30, 2018, filed with the Balance and Exchange Commission (the “SEC”).  The Company’s filings can be accessed at www.sec.gov or the Company’s website at IR.CNFRH.com.

About the CompanyConifer Holdings, Inc. is a Michigan-based acreage and blow captivation company.  Through its subsidiaries, Conifer offers specialty allowance advantage for both bartering and claimed lines, business through absolute agents in all 50 states. The Aggregation is traded on the Nasdaq Global Bazaar beneath the attribute CNFR.  Additional advice is accessible on the Company’s website at IR.CNFRH.com.

Definitions of Non-GAAP MeasuresConifer prepares its accessible banking statements in acquiescence with accounting attempt about accustomed in the United States of America (GAAP).  Approved abstracts is able in accordance with approved accounting rules as authentic by the National Association of Allowance Commissioners’ (NAIC) Accounting Practices and Procedures Manual, and accordingly is not accommodated to GAAP data.

We accept that investors’ compassionate of Conifer’s achievement is added by our acknowledgment of adapted operating income.  Our acclimation for artful this admeasurement may alter from that acclimated by added companies and accordingly allegory may be limited.  We ascertain adapted operating assets (loss), a non-GAAP measure, as net assets (loss) excluding net accomplished advance assets and losses, and added assets and losses, after-tax, and excluding the tax appulse of changes in abeyant assets and losses.  Beginning in 2018, the change in fair amount of disinterestedness securities, net of tax, and the deferred accretion on losses ceded to the ADC are additionally afar from net assets to access at adapted operating income.  We use adapted operating assets as an centralized achievement admeasurement in the administration of our operations because we accept it gives our administration and added users of our banking advice advantageous acumen into our after-effects of operations and our basal business performance.

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Reconciliations of adapted operating assets and adapted operating assets per share:

Forward-Looking StatementThis columnist absolution contains advanced statements fabricated pursuant to the safe anchorage accoutrement of the Private Balance Litigation Reform Act of 1995.  Advanced statements accord accepted expectations or forecasts of approaching contest or our approaching banking or operating performance, and accommodate Conifer’s expectations apropos premiums, earnings, its basal position, expansion, and advance strategies.  The advanced statements independent in this columnist absolution are based on management’s good-faith acceptance and reasonable acumen based on accepted information.  The advanced statements are able by important factors, risks and uncertainties, abounding of which are above our control, that could account our absolute after-effects to alter materially from those in the advanced statements, including those declared in our anatomy 10-K/A (“Item 1A Risk Factors”) filed with the SEC on May 14, 2018 and consecutive letters filed with or furnished to the SEC.  Any advanced account fabricated by us in this address speaks alone as of the date hereof or as of the date defined herein.  We undertake no obligation to about amend any advanced statement, whether as a aftereffect of new information, approaching developments or otherwise, except as may be appropriate by any applicative laws or regulations.

For Added Information:Jessica Gulis, [email protected]

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