Company: SLDE
Filing Date: 2025-06-18
Form Type: 424B4
Source: 0001193125-25-142810
Chunk: 7

Company: Slide Insurance Holdings, Inc.
Filing Date: 2025-06-18
Form: 424B4
Chunk 7
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 underwriting
performance. These insurers typically do not have a good understanding of

2

prospective reinsurance costs, which are typically the highest expense component of coastal specialty policies. Our proprietary underwriting technology allows us to more accurately determine
prospective reinsurance costs to ensure that our pricing model is appropriately pricing risk at profitable levels. Our technology has been developed using our proprietary $6 trillion TIV dataset and actual claims experience and is a key component of
our underwriting model for large scale transactions. Our actual claims experience has outperformed our underwriting models, demonstrating the effectiveness of the underwriting platform. Our technology is fully embedded in our underwriting process
and has the ability to analyze large datasets quickly and accurately, including the review of our current portfolio, policies acquired from Citizens Property Insurance Corporation (“Citizens”) and privately assumed portfolios. Since our
technology is embedded in our underwriting process, it allows us to dynamically price risk in real time. Our user-friendly interface allows agents to quickly determine policy terms and can bind policies within minutes.

Entrepreneurial management team with a track record of success

We are led by a highly experienced and entrepreneurial executive management team, including our founder and CEO, Bruce Lucas, who has over 15
years of experience in the financial services industry including twelve years of leadership experience as a CEO in coastal specialty markets within Florida and the northeastern states along the Atlantic coast, California and Hawaii. Mr. Lucas
previously founded and led Heritage Insurance Holdings (NYSE: HRTG) as its Chairman and CEO from 2012 to 2020. Under his leadership, Heritage saw a 21% CAGR in its book value per share and a 49% CAGR in gross premiums written while also averaging an
86% combined ratio across each full year of operation. Over the past twelve years at the helm of Heritage and Slide, Mr. Lucas has generated positive net earnings every full year of operation and has averaged an 85% combined ratio over the
course of his insurance career. Additionally, our senior management team has an average of 25 years of experience in the insurance industry and have deep insurance expertise and longstanding relationships with reinsurers, capital providers, state
regulators and distribution partners, which have been critical in driving our success to date. We place great emphasis on developing a winning and entrepreneurial culture, empowering employees to make decisions that meet our high standards of
excellence and financial targets, which allows us to attract, retain and develop top talent.

Fully integrated claims management