Company: SLDE
Filing Date: 2025-06-18
Form Type: 424B4
Source: 0001193125-25-142810
Chunk: 11

Company: Slide Insurance Holdings, Inc.
Filing Date: 2025-06-18
Form: 424B4
Chunk 11
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2024, Citizens had 936,182 policies in force. We participated in
seven Citizens take-out opportunities in 2024, assuming an aggregate of 135,530 policies that fit our underwriting and profitability criteria. While the total number of Citizens policies in force as of December 31, 2024 was fewer than the 1,228,718
policies in force as of December 31, 2023 (and an all time high of nearly 1.5 million policies in force in 2011), we believe these fluctuations are a function of Florida’s historically volatile property insurance market cycles and
Citizens’ role as the insurer of last resort, and not indicative of a long-term trend. We believe that the assumption of Citizens Insurance policies will provide continuous growth opportunities for years to come. In addition, we have also
successfully executed transactions with private insurers that are looking to exit or reduce their exposure. For example, we executed transactions with Truck Insurance Exchange, United Property & Casualty Insurance Company and St. Johns Insurance
Company.

Our scaled platform combined with our ability to use technology to bulk underwrite complex transactions provide us with an
advantage over our competitors in underwriting such policies. This has allowed us to grow quickly and profitably, with no exposure to legacy claims or liabilities and should continue to be a meaningful contributor of our ongoing growth.

Continuing to invest in proprietary technology that deepens our competitive advantage

Our AI-powered insurance model leverages our proprietary large dataset and predictive underwriting analytics to manage risk, optimize
operations and improve profit margins. Our custom-built technology is at the core of our growth and underwriting strategy and enhances our ability to find profitable policies in our markets. We include prospective reinsurance costs and loss ratios
in our underwriting decisions to limit unexpected changes in rates and maintain profitability for each policy we write. We can analyze large datasets efficiently and quickly assess potential acquisition opportunities, making us a leading
counterparty for potential organic sales, takeouts and renewal transactions. We have demonstrated a unique ability to utilize our data and our advanced technology within niche coastal markets, giving us the ability to quickly respond to market
changes, while our core operating platforms allows us to move into new markets efficiently and without the complexity of burdensome systems. We believe our technological advantage positions us for profitable growth and expansion into additional
coastal specialty markets where we can establish a strong market position while focusing on growing profitably.

5

Expanding our presence in both admitted and excess & surplus (E&S