Company: SLDE
Filing Date: 2025-06-09
Form Type: S-1/A
Source: 0001193125-25-137410
Chunk: 43

Company: Slide Insurance Holdings, Inc.
Filing Date: 2025-06-09
Form: S-1/A
Chunk 43
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 insurance policies are established at the time a policy is issued and, therefore, before all of our underlying costs are known. The accuracy of our pricing is subject to our ability to adequately assess risks, estimate losses and comply with state insurance regulations. Like other insurance companies, we rely on estimates and assumptions in setting our premium rates. We also utilize the data that we gather through our interactions with our customers, as evaluated and curated by our proprietary technology. Establishing adequate premium rates is necessary, together with investment income, if any, to generate sufficient revenue to offset losses, loss adjustment expenses, acquisition expenses and other costs. If we do not accurately assess the risks that we underwrite, we may not charge adequate premiums to cover our losses and expenses, which would adversely affect our business, results of operations and financial condition. Moreover, if we determine that our prices are too low, insurance regulations may preclude us from being able to non-renewinsurance contracts, non-renewcustomers or raise prices. Alternatively, we could set our premiums too high, which could reduce our competitiveness and lead to lower revenues, which could have a material adverse effect on our business, results of operations and financial condition. Pricing involves the acquisition and analysis of historical loss data and the projection of future trends, loss costs and expenses and inflation trends, among other factors, for each of our products in multiple risk tiers and many different markets. In order to accurately price our policies, we must, among other factors:

| • |     | collect and properly and accurately analyze a substantial volume of data from our customers; |

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| • |     | develop, test and apply appropriate actuarial projections and rating formulas; |

| • |     | review and evaluate competitive product offerings and pricing dynamics; |

| • |     | closely monitor and timely recognize changes in trends; and |

| • |     | project both frequency and severity of our customers’ losses with reasonable accuracy. |

There are no assurances that we will have success in implementing our pricing methodology accurately in accordance with our assumptions. Our ability to accurately price our policies is subject to a number of risks and uncertainties, including, but not limited to:

| • |     | insufficient, inaccurate or unreliable data; |

| • |     | incorrect or incomplete analysis of available data; |

| • |     | uncertainties generally inherent in estimates and assumptions; |

| • |     | our failure to implement appropriate actuarial projections and rating formulas or other pricing methodologies; |

| • |     | incorrect or incomplete analysis of the competitive