Palomar Holdings, Inc. (PLMR) Q3 2025 Earnings Call

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WEBVTT 00:00:01.178 -- 00:00:06.283 Good morning and welcome to the Palomar Holdings Incorporated Third Quarter 00:00:06.283 -- 00:00:11.408 2025 Earnings Conference Call. During today's presentation, all 00:00:11.408 -- 00:00:16.373 parties will be in a listen-only mode. Following the presentation, the conference line 00:00:16.373 -- 00:00:20.617 will be open for questions with instructions to follow. 00:00:20.617 -- 00:00:23.861 As a reminder, this conference call is being recorded. 00:00:23.861 -- 00:00:26.403 I would now like to turn the call over to Mr. 00:00:26.403 -- 00:00:30.895 Chris Uchida, Chief Financial Officer. Please go ahead, sir. 00:00:30.895 -- 00:00:33.157 Thank you, operator, and good morning, everyone. 00:00:33.157 -- 00:00:36.080 We appreciate your participation in our earnings call. 00:00:36.080 -- 00:00:40.404 With me here today is Mac Armstrong, our chairman and chief executive officer. 00:00:40.404 -- 00:00:44.548 Additionally, John Christensen, our president, is here to answer questions during the 00:00:44.548 -- 00:00:49.934 Q&A portion of the call. As a reminder, the telephonic replay of this call will be available 00:00:49.934 -- 00:00:53.197 on the investor relations section of our website through 1159 p.m. 00:00:53.197 -- 00:00:56.758 Eastern Time on November 14, 2025. 00:00:56.901 -- 00:01:01.803 Before we begin, let me remind everyone This call may contain certain statements that 00:01:01.803 -- 00:01:05.506 constitute forward-looking statements within the meaning of the Private Securities Litigation 00:01:05.506 -- 00:01:08.109 Reform Act of 1995. These 00:01:08.109 -- 00:01:13.313 include remarks about management's future expectations, beliefs, estimates, plans, 00:01:13.313 -- 00:01:18.298 and prospects. Such statements are subjec...