Exzeo Group, Inc. (XZO) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.736 Good afternoon and welcome to the XEO's Group Third Quarter 2025 Earnings Call. 00:00:04.736 -- 00:00:07.619 My name is Mark and I will be your conference operator. 00:00:07.619 -- 00:00:10.923 At this time, all participants will be in a listen-only mode. 00:00:10.923 -- 00:00:14.747 Before we begin today's call, I would like to remind everyone that this conference call 00:00:14.747 -- 00:00:19.692 is also being broadcast live by webcast and is available for webcast replay approximately 00:00:19.692 -- 00:00:23.436 four hours after the call through December 10, 2026 00:00:23.436 -- 00:00:28.919 on the Investor Listen section of XEO's Group website at www.xeo.com. 00:00:29.123 -- 00:00:34.010 I would like to turn the call over to Bill Brumo, Vice President of Investor Relations. 00:00:34.010 -- 00:00:36.651 Bill, please proceed. 00:00:36.934 -- 00:00:41.942 Thank you, and good afternoon. Welcome to Exio Group's third quarter 2025 earnings 00:00:41.942 -- 00:00:46.669 call. To access today's webcast, please visit the investor information section of our 00:00:46.669 -- 00:00:50.191 corporate website at www.exio.com. 00:00:50.977 -- 00:00:55.323 Before we begin, I would like to take the opportunity to remind our listeners that today's 00:00:55.323 -- 00:00:59.909 presentation and responses to questions may contain forward-looking statements within 00:00:59.909 -- 00:01:04.475 the meaning of the Private Securities Litigation Reform Act of 1995. 00:01:04.475 -- 00:01:09.762 Words such as anticipate, estimate, expect, intend, plan, and project 00:01:09.762 -- 00:01:14.669 and other similar words and expressions are intended to signify forward-looking statements. 00:01:14.669 -- 00:01:18.834 Forward-looking statements are not guarantees of...