AMERISAFE, Inc. (AMSF) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.518 Good day and welcome to the AmeriSafe fourth quarter 2025 earnings call. 00:00:04.518 -- 00:00:08.704 Today's conference is being recorded. At this time, I'd like to turn the conference over 00:00:08.704 -- 00:00:12.209 to Ms. Katherine Shirley. Please go ahead, ma'am. 00:00:12.209 -- 00:00:15.173 Thank you, operator, and good morning, everyone. 00:00:15.173 -- 00:00:20.101 Welcome to the AmeriSafe 2025 fourth quarter investor call. 00:00:20.101 -- 00:00:25.886 If you have not received the earnings release, it is available on our website at AmeriSafe.com. 00:00:26.090 -- 00:00:31.514 This call is being recorded. A replay of today's call will be available. 00:00:31.514 -- 00:00:35.939 Details on how to access the replay are in the earnings release. 00:00:35.939 -- 00:00:40.884 During this call, we will be making forward-looking statements intended to fall within 00:00:40.884 -- 00:00:44.308 the safe harbor provided by the securities laws. 00:00:44.308 -- 00:00:49.274 These statements are based on current expectations and assumptions that are subject to 00:00:49.274 -- 00:00:52.157 various risks and uncertainties. 00:00:52.157 -- 00:00:57.035 Actual results may differ materially from the results expressed or implied in these statements, 00:00:57.035 -- 00:01:02.601 if the underlying assumptions prove to be incorrect, or as a result of risk, uncertainties, 00:01:02.601 -- 00:01:07.887 and other factors, including factors discussed in the earnings release, in the comments 00:01:07.887 -- 00:01:13.453 made during today's call, and in the risk factors section of our Form 10-K, Form 10-Qs, 00:01:13.453 -- 00:01:17.697 and other reports and filings with the Securities and Exchange Commission. 00:01:17.697 -- 00:01:22.262 We do not undertak...