Company: SLDE
Filing Date: 2025-06-18
Form Type: 424B4
Source: 0001193125-25-142810
Chunk: 8

Company: Slide Insurance Holdings, Inc.
Filing Date: 2025-06-18
Form: 424B4
Chunk 8
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We believe that properly managing claims is an important component of our success. With the exception of hurricane claims, we manage all
aspects of the claims process in-house including field inspections, desk adjusting and legal. Since 2022, hurricane claims comprise approximately 54% of all claims filed. We promptly and thoroughly investigate
all claims, and leverage both our systems and underwriters to gather the relevant facts. When we believe claims are without merit, we vigorously contest payment. When we believe claims are valid, we aim to expedite payments quickly to provide a
superior experience to our customers. We believe that managing claims cycle times is an often overlooked metric that reduces loss ratios if claims are administered and closed quickly. We believe we have a track record of superior claims handling
compared to our competitors including claims from catastrophic events.

Robust and conservative reinsurance framework built on strong relationships with highly rated counterparties

We manage our exposure to catastrophic events through strong underwriting discipline and the
purchase of reinsurance. Our relationships with highly rated reinsurers have been developed as a result of our management team’s industry experience and reputation for selective underwriting and generating strong underwriting profits. We seek a
diversified portfolio of reinsurance with the use of traditional reinsurance capacity, utilization of the Florida Hurricane Catastrophe Fund (“FHCF”), and the use of multi-year catastrophe bonds. While reinsurance does not relieve us from
our obligations, we strategically purchase reinsurance from third parties to protect our capital base from severity events related to severe convective storms and hurricanes. At peak hurricane season, estimated as of September 30, 2024, we purchased
catastrophe excess of loss reinsurance to the 194-year return

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period, well in excess of the 130-year return period primarily used in Florida and required by our rating agency and regulators. As of June 1, 2024, 100%
of our private reinsurance counterparties were either fully collateralized or reinsurers rated “A-” (Excellent) by A.M. Best, or better. All reinsurance we purchase is on an excess of loss basis and
covers all perils, except for FHCF and our multi-year catastrophe bond program, which is limited to covering named storms. We treat our reinsurers as long-term partners. As such, we target underwriting profitability on a gross basis, before
utilization of reinsurance, to ensure consistent support from our reinsurance partners and to protect ourselves from changes in the reinsurance