Q4-2021 Earnings Report

Commercial Lines Rate Increases Accelerating Florida commercial residential is a hardening market and ripe for underwriting profit. CAT Percentage of Model Price (MP) 300% 250% 200% 150% 100% Model Price = Design 100% 50% 196% 0% Jan-08 Jan-09 Jan-10 Jan-11 Jan-12 Jan-13 Jan-14 Jan-15 Jan-16 Jan-17 Jan-18 Jan-19 Jan-20 Jan-21 6 period moving average (ACIC CAT MP) 6

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