Catastrophe losses
A large share of the book is exposed to hurricanes and severe weather in coastal states.
- Scope
- Florida and Atlantic coastal markets
- Materiality
- high
Slide Insurance Holdings, Inc.
Slide Insurance Holdings, Inc. is a U.S.-based property and casualty insurer focused on coastal specialty homeowners and related residential risks. Through its insurance subsidiaries, it writes single-family, condominium, commercial residential and other coastal personal lines policies, primarily along the Atlantic seaboard, using both independent agents and direct-to-consumer distribution.
38,4 %
+36,5 %
| % | |
|---|---|
| Coastal homeowners insurance | 45% Personal lines coverage for single-family homes in coastal states. |
| Condominium unit owners insurance | 25% Coverage for condominium owners and related residential exposures. |
| Commercial residential insurance | 20% Property and casualty coverage for residential rental and multi-unit risks. |
| Other coastal specialty policies | 5% Additional specialty residential policies written within the coastal book. |
| Policy acquisition and renewal services | 5% Assumed policies, renewals and new business sourced through agents and DTC. |
Slide sells primarily to homeowners, condominium owners and operators of commercial residential properties in coastal...
- Single-family homeownersprimary
Buy coastal homeowners policies for primary or secondary residences exposed to wind and storm risk.
- Condominium unit ownersprimary
Buy coverage for condo units in coastal markets where property risk and reinsurance costs are high.
- Commercial residential property ownerssecondary
Buy coverage for multi-unit and rental residential properties needing specialty underwriting.
- Policy acquisition portfoliossecondary
Existing books acquired from other insurers and then renewed or retained by Slide.
- Direct-to-consumer buyersemerging
End consumers purchasing without intermediaries, attracted by convenience and pricing.
Slide’s business is concentrated in coastal states along the Atlantic seaboard, with a significant emphasis on Florida...
- •Atlantic coastal states are the core operating footprint
- •Florida is a major market and a key catastrophe exposure
- •Slide Specialty is licensed in NY, NJ, RI and SC
- •Coastal geography drives hurricane and windstorm risk
- •State-by-state regulation affects pricing and policy actions
Slide’s strategy is to underwrite coastal specialty risks where market capacity is limited and pricing can be...
01
Expand in underserved coastal specialty marketsmedium-term
These markets offer demand where larger carriers have reduced capacity.
02
Improve risk selection and pricing precisionshort-term
Accurate underwriting is central to selecting policies that fit reinsurance and loss assumptions.
03
Scale policy acquisition and renewal channelsmedium-term
Block acquisitions and renewals can add premium volume without relying only on organic new business.
04
Diversify distributionmedium-term
Using both agents and DTC broadens access to customers and reduces dependence on one channel.
Slide’s results depend on accurate pricing, adequate reinsurance and disciplined underwriting in catastrophe-exposed...
Pricing and underwriting error
Premiums are set before full loss experience is known, so model error can cause underpricing or lost business.
- Scope
- Coastal homeowners and commercial residential policies
- Materiality
- high
Reinsurance dependence
The company relies on reinsurance to manage peak catastrophe exposure and support growth.
- Scope
- Catastrophe excess-of-loss programs
- Materiality
- high
Regulatory and rate approval risk
Insurance regulators can limit rate increases, non-renewals or cancellations, affecting profitability.
- Scope
- State-by-state insurance operations
- Materiality
- high
Competitive pressure
National and regional insurers may compete on price, service or distribution, reducing retention and new business.
- Scope
- Coastal specialty homeowners market
- Materiality
- medium
Premium earning pattern
Revenue and unearned premium liability
Loss and loss adjustment expense reserves
Claims expense, liabilities and earnings volatility
Reinsurance accounting
Net revenue, losses and balance sheet recoverables
Fair value of investment securities
Equity and comprehensive income
: 29.4.2026