Donegal Group, Inc. (DGICA) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.634 Good morning, and thank you for joining us today. 00:00:02.634 -- 00:00:07.721 This morning, Donegal Group issued its fourth quarter and full year 2025 earnings release, 00:00:07.721 -- 00:00:12.768 outlining its results. The release and a supplemental investor presentation are available 00:00:12.768 -- 00:00:18.132 in the investor relations section of Donegal's website at www.donegalgroup.com. 00:00:19.196 -- 00:00:23.181 Please be advised that today's conference was pre-recorded and all participants are in 00:00:23.181 -- 00:00:27.848 listen-only mode. Speaking today will be President and Chief Executive Officer Kevin 00:00:27.848 -- 00:00:30.727 Burke, Chief Financial Officer Jeff Miller. 00:00:30.727 -- 00:00:35.913 Chief Underwriting Officer Jeff Hay, Chief Operating Officer Dan Delamater, and Chief 00:00:35.913 -- 00:00:40.819 Investment Officer Tony Viasi. Please be aware that statements made during this call 00:00:40.819 -- 00:00:44.984 that are not historical facts are forward-looking statements and necessarily involve 00:00:44.984 -- 00:00:49.069 risks and uncertainties that could cause actual results to vary materially. 00:00:49.069 -- 00:00:53.615 These factors can be found in Donico Group's filings with the Securities and Exchange 00:00:53.615 -- 00:00:58.661 Commission, including its annual report on Form 10-K and quarterly reports on Form 00:00:58.661 -- 00:01:03.770 10-Q. The company disclaims any obligation to update or publicly announce the results 00:01:03.770 -- 00:01:08.039 of any revisions that they may make to any forward-looking statements to reflect the 00:01:08.039 -- 00:01:12.749 occurrence of anticipated or unanticipated events or circumstances after the date of 00:01:12.749 -- 00:01:16.257 such statemen...