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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">"Get a quote for your chance to WIN your pet food bill paid for a year!" <br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">– Petplan, an Allianz company.</p></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">🤝</h1></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Insurance wholesaler Bridge Specialty Group, which is part of Brown & Brown, has entered into an <a href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=f9fa0c4c2c&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" target="_blank">agreement</a> with Nationwide to acquire its wholesaler and market access provider NBS Insurance Agency (Nationwide Brokerage Solutions).</p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><span style="background-color:#FFFFE0">NBS will continue to operate as a national platform and will be led by Ted Stuckey, president of NBS.</span></p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Bridge Specialty has access to over 200 admitted, E&S lines and Lloyd's markets that support its nearly $6 billion premium book. The company has more than 50 locations and 2,000 teammates throughout the US, UK, Europe and Asia.</p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">The transaction is expected to close in March 2025, subject to certain closing conditions. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">"Nationwide and Bridge Specialty Group have had a strong working relationship for many years. Through our discussions, we determined there was a shared opportunity to enhance both of our organizations through a strategic transaction. With its tools, resources and strong global market presence, BSG is well positioned to drive the growth of NBS going forward." – Mark Berven, president and COO of Nationwide P&C.</p>
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<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">A request from State Farm</h1></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">In a press release, State Farm has shared that its subsidiary, State Farm General, is asking the California Department of Insurance (CDI) to immediately <a href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=2bcaa701f3&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" target="_blank">approve</a> interim rate increases, including 22% average for homeowners. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">As of Feb 1, State Farm General (Fire only) has received more than 8,700 claims and has already paid more than $1 billion to customers. <em>"State Farm General will ultimately pay out significantly more, as collectively <span style="background-color:#FFFFE0">these fires will be the costliest disasters in the history of State Farm General</span>,"</em> the insurer shared. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">State Farm General asked the CDI to approve interim rate increases "to help avert a dire situation" for the more than 2.8 million policies issued by State Farm General, including 1 million State Farm General homeowners customers, and the insurance market in the state of California. State Farm General has had an outstanding filed rate increase pending since June 2024. Pending CDI approval, rate changes will be effective upon renewal after May 1, 2025. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Bottom Line: Over the last 9 years, the lack of alignment between price and risk led State Farm General to spend $1.26 for every $1 it collected in premium, resulting in over $5 billion in cumulative underwriting losses.</p>
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<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">Self-driving</h1></td>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px;font-size:0px"><a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=f89d09043c&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px"><img class="adapt-img" src="https://ofirnf.stripocdn.email/content/guids/CABINET_6490c17736052a99ab81865d54a9809449812d9a3b94ae437424f9a295101e39/images/screenshot_20250204_at_103905am.png" alt="" style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="560"></a></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Self-driving truck startup Waabi is <a href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=2e17f4c26d&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" target="_blank">partnering</a> with Volvo Autonomous Solutions to develop and deploy autonomous trucks. The partnership combines Waabi's "groundbreaking innovation in generative AI" with Volvo's leadership in automation and safety innovation. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Founded in 2021, Waabi, which is based in Canada, raised ~$280 million from Uber, Khosla Ventures, NVIDIA, Volvo Group Venture Capital, Porsche, and others. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">"Waabi is at the forefront of developing self-driving technologies leveraging the full power of AI." – Shahrukh Kazmi, Chief Product Officer at Volvo Autonomous Solutions.</p>
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<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">Acquired</h1></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">iA Financial <a target="_blank" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=0ef97045cf&e=265522185a">announced</a> the acquisition of Global Warranty, a group of companies that are "important independent warranty providers and administrators" in the used vehicle market in Canada. <br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Founded in 1987, Global Warranty does business with a network of over 1,500 automotive dealerships and more than 400 authorized repair centers across Canada.</p></td>
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<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">New coverage</h1></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Insurance provider Orion180 is <a href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=383939e6c3&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" target="_blank">introducing</a> its FLEX Home Insurance product in Texas. FLEX is a surplus lines product that introduces an "innovative and flexible approach" to insurance coverage. Homeowners begin with essential protections – such as fire and lightning coverage – and build out their policies to fit their needs and budget. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Right now, <span style="background-color:#FFFFE0">FLEX is available through select insurance agents in Texas</span>, but it'll be expanding to Florida and other states in spring 2025.</p>
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<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">Fewer colors</h1></td>
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<td align="center" style="padding:0;Margin:0;font-size:0px"><a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=d2ebd6c2b3&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px"><img class="adapt-img" src="https://ofirnf.stripocdn.email/content/guids/CABINET_6490c17736052a99ab81865d54a9809449812d9a3b94ae437424f9a295101e39/images/01.png" alt="" style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="560"></a></td>
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<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
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<td align="center" style="padding:0;Margin:0;font-size:0px"><img class="adapt-img" src="https://ofirnf.stripocdn.email/content/guids/CABINET_6490c17736052a99ab81865d54a9809449812d9a3b94ae437424f9a295101e39/images/screen_shot_20250203_at_14138_pm.png" alt="" style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="560"></td>
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<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">New partners</h1></td>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px;font-size:0px"><a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=86b2c91fb6&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px"><img class="adapt-img" src="https://ofirnf.stripocdn.email/content/guids/CABINET_6490c17736052a99ab81865d54a9809449812d9a3b94ae437424f9a295101e39/images/screen_shot_20250204_at_82030_am_lys.png" alt="" style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="535"></a></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Old American County Mutual brought <a href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=d815aa56a1&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" target="_blank">Loop Insurance</a> on board in January, and Texas regulators signed off on the policy forms by January 28. <span style="color:#000000"><span style="background-color:#FFFFE0">T</span></span><span style="background-color:#FFFFE0">he rate and underwriting guidelines are still in the works</span>.</p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Loop used to write on Redpoint County Mutual's paper, seeing its DWP jump from $4.3M in 2022 to $18.1M in 2023—but now, its quote flow isn't working.</p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Old American County ended 2023 with 242,666 active policies. </p>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">Pinnacol pivot?</h1></td>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px;font-size:0px"><a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=25a06add6b&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px"><img class="adapt-img" src="https://ofirnf.stripocdn.email/content/guids/CABINET_6490c17736052a99ab81865d54a9809449812d9a3b94ae437424f9a295101e39/images/01_cqV.png" alt="" style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="560"></a></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Pinnacol Assurance, Colorado's largest workers' comp insurer, wants to privatize as it loses market share due to remote work restrictions. Governor Jared Polis' plan could bring the state $300M–$500M, but Pinnacol would need to pay $183.5M–$316.8M to leave the public retirement system (PERA). </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Bottom Line: Pinnacol <a href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=5bbf3fc269&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" target="_blank">lost 10,000 of its 60,000 customers</a> over the past decade as its charter prevents it from covering out-of-state residents, making it less competitive in a changing workplace landscape. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">*** "<span style="background-color:#FFFFE0">Management speaks as if they can't wait for AI to replace all of the workers..." – <a href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=d97a2b3e0d&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" target="_blank"><span style="background-color:#FFFFE0">Glassdoor</span></a>.</span></p>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px;font-size:0px"><img class="adapt-img" src="https://ofirnf.stripocdn.email/content/guids/CABINET_6490c17736052a99ab81865d54a9809449812d9a3b94ae437424f9a295101e39/images/screen_shot_20250204_at_93637_am_IH8.png" alt="" style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="520"></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">Saw this today...</h1></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">There's an old article from the <em>Detroit Free Press</em>, dated August 26, 2024, that discusses the Michigan Economic Development Corporation's (MEDC) decision to reclaim a $5 million performance-based grant from Clearcover. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">The story is that in 2021, Clearcover had committed to establishing a second headquarters in Detroit, promising to create 303 jobs with an average annual salary of $65,000. However, the company failed to meet its job creation targets, leading the MEDC to initiate the clawback of the grant funds. </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"> </p>
<p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">We're mentioned👇</p>
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<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px;font-size:0px"><a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=85c3f26e0f&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px"><img class="adapt-img" src="https://ofirnf.stripocdn.email/content/guids/CABINET_6490c17736052a99ab81865d54a9809449812d9a3b94ae437424f9a295101e39/images/screen_shot_20250204_at_81426_am.png" alt="" style="display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-mode:bicubic" width="560"></a></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><h1 style="Margin:0;line-height:28.8px;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-size:24px;font-style:normal;font-weight:bold;color:#000000">💰📞</h1></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><strong>Chubb Q4'24 Earnings Highlights (Jan 29, 2025): </strong></p>
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<li style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;Margin-bottom:15px;margin-left:0;color:#000000;font-size:16px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">In general – <em>"We had a great quarter which contributed to an outstanding year, in fact, <span style="background-color:#FFFFE0">the best in our company’s history</span>." </em></p></li>
<li style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;Margin-bottom:15px;margin-left:0;color:#000000;font-size:16px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">On California – <em>“From a financial perspective, our current estimate of the cost of supporting our customers and helping them recover and rebuild from their catastrophe is <span style="background-color:#FFFFE0">$1.5 billion net pretax</span> and is a first-quarter 2025 event.” </em></p></li>
<li style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;Margin-bottom:15px;margin-left:0;color:#000000;font-size:16px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">On M&A – <em>"And as for inorganic growth, <span style="background-color:#FFFFE0">money is not burning a hole in our pocket</span>. As you know, it’s opportunistic and in support of our organic strategies, and it’s got to be the right thing at the right price. And so we’re always looking."</em></p></li>
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<li style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;Margin-bottom:15px;margin-left:0;color:#000000;font-size:16px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">TransRe <a target="_blank" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=1a6f84f1b8&e=265522185a">announced</a> changes within its executive team, including the promotions of Louise Rose and Kyle Rhodes, and the retirement of Andy Taylor (President, International Division).</p></li>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Our Latest Research – <em><strong><a target="_blank" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=02043ffced&e=265522185a">Monthly Innovation Report: Jan 2025</a></strong></em></p></td>
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<li style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;Margin-bottom:15px;margin-left:0;color:#000000;font-size:16px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><a target="_blank" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=6e0f1463a2&e=265522185a">Breaking Open the Compliance Black Box: How M3 Insurance Took Back Control of Producer Licensing</a></p></li>
<li style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;Margin-bottom:15px;margin-left:0;color:#000000;font-size:16px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><a target="_blank" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=c85d17e5fa&e=265522185a">WisePal Launches In-House Independent Insurance Agency Enabled Through Bindable's Insurance-as-a-Service Platform</a></p></li>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Acuity Insurance, American Family Insurance, Berkshire Hathaway GUARD, Galecki Search Associates, Nationwide, Protective Life, The Hanover, Travelers, USAA. <a href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=e1e262eb7b&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" target="_blank">View open positions</a>.</p>
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<td align="center" style="padding:0;Margin:0;padding-top:20px;padding-bottom:20px;font-size:0">
<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
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<td style="padding:0;Margin:0;border-bottom:1px solid #cccccc;background:unset;height:0px;width:100%;margin:0px"></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">📬 Invite your friends to <a target="_blank" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color:#000000;font-size:16px;border-bottom:2px solid black" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=39eac2d42e&e=265522185a">join the newsletter</a>.</p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Recent subscribers: Unum, Liberty Mutual, Federato, Zywave, Sure.</p></td>
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<td align="center" style="padding:0;Margin:0;padding-top:20px;padding-bottom:20px;font-size:0">
<table border="0" width="100%" height="100%" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
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<td style="padding:0;Margin:0;border-bottom:1px solid #cccccc;background:unset;height:0px;width:100%;margin:0px"></td>
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</table></td>
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<td align="left" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#5f5f5f;font-size:16px"><strong>This Month on Coverager Data</strong></p></td>
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</table></td>
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<td class="esdev-adapt-off" align="left" style="padding:0;Margin:0;padding-left:20px;padding-right:20px">
<table cellpadding="0" cellspacing="0" class="esdev-mso-table" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:560px" role="none">
<tr>
<td class="esdev-mso-td" valign="top" style="padding:0;Margin:0">
<table cellpadding="0" cellspacing="0" class="s" align="left" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left" role="none">
<tr>
<td align="left" style="padding:0;Margin:0;width:280px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;border-top:1px solid #cccccc;border-bottom:1px solid #cccccc" role="presentation">
<tr>
<td align="center" bgcolor="#F9F9F9" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><b>0</b></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px">Funding Rounds</p></td>
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</table></td>
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</table></td>
<td class="esdev-mso-td" valign="top" style="padding:0;Margin:0">
<table cellpadding="0" cellspacing="0" class="t" align="right" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right" role="none">
<tr>
<td align="left" style="padding:0;Margin:0;width:280px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;border-top:1px solid #cccccc;border-bottom:1px solid #cccccc" role="presentation">
<tr>
<td align="center" bgcolor="#F9F9F9" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><b>0</b><br>Total Funding</p></td>
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</table></td>
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<td class="esdev-adapt-off" align="left" style="padding:0;Margin:0;padding-left:20px;padding-right:20px">
<table cellpadding="0" cellspacing="0" class="esdev-mso-table" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:560px" role="none">
<tr>
<td class="esdev-mso-td" valign="top" style="padding:0;Margin:0">
<table cellpadding="0" cellspacing="0" class="s" align="left" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left" role="none">
<tr>
<td align="left" style="padding:0;Margin:0;width:280px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px" role="presentation">
<tr>
<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><b>3</b><br>Strategic Rounds</p></td>
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<td class="esdev-mso-td" valign="top" style="padding:0;Margin:0">
<table cellpadding="0" cellspacing="0" class="t" align="right" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right" role="none">
<tr>
<td align="left" style="padding:0;Margin:0;width:280px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;border-bottom:1px solid transparent" role="presentation">
<tr>
<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><b>5</b><br>Tech Cases</p></td>
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<td class="esdev-adapt-off" align="left" style="padding:0;Margin:0;padding-left:20px;padding-right:20px">
<table cellpadding="0" cellspacing="0" class="esdev-mso-table" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:560px" role="none">
<tr>
<td class="esdev-mso-td" valign="top" style="padding:0;Margin:0">
<table cellpadding="0" cellspacing="0" class="s" align="left" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left" role="none">
<tr>
<td align="left" style="padding:0;Margin:0;width:280px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;border-top:1px solid #cccccc;border-bottom:1px solid #cccccc" role="presentation">
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<td align="center" bgcolor="#f9f9f9" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><b>4</b><br>Partnerships</p></td>
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<td class="esdev-mso-td" valign="top" style="padding:0;Margin:0">
<table cellpadding="0" cellspacing="0" class="t" align="right" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right" role="none">
<tr>
<td align="left" style="padding:0;Margin:0;width:280px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;border-top:1px solid #cccccc;border-bottom:1px solid #cccccc" role="presentation">
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<td align="center" bgcolor="#f9f9f9" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><b>0</b><br>Embedded</p></td>
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<td class="esdev-adapt-off" align="left" style="padding:0;Margin:0;padding-left:20px;padding-right:20px">
<table cellpadding="0" cellspacing="0" class="esdev-mso-table" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;width:560px" role="none">
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<td class="esdev-mso-td" valign="top" style="padding:0;Margin:0">
<table cellpadding="0" cellspacing="0" class="s" align="left" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:left" role="none">
<tr>
<td align="left" style="padding:0;Margin:0;width:280px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;border-bottom:1px solid #cccccc" role="presentation">
<tr>
<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><b>6</b><br>Acquisitions</p></td>
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<td class="esdev-mso-td" valign="top" style="padding:0;Margin:0">
<table cellpadding="0" cellspacing="0" class="t" align="right" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;float:right" role="none">
<tr>
<td align="left" style="padding:0;Margin:0;width:280px">
<table cellpadding="0" cellspacing="0" width="100%" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;border-bottom:1px solid #cccccc" role="presentation">
<tr>
<td align="center" style="padding:0;Margin:0;padding-top:10px;padding-bottom:10px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:16px"><b>0</b><br>Insurtech Exits</p></td>
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<td align="left" style="padding:0;Margin:0;padding-left:20px;padding-right:20px">
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<td align="center" style="padding:0;Margin:0;padding-top:20px;padding-bottom:30px"><!--[if mso]><a href="https://coverager.com/data/" target="_blank" hidden>
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<center style='color:#000000; font-family:roboto, "helvetica neue", helvetica, arial, sans-serif; font-size:12px; font-weight:700; line-height:12px; mso-text-raise:1px'>COVERAGER DATA</center>
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<![endif]--><!--[if !mso]><!-- --><span class="msohide v v-1738682785484" style="border-style:solid;border-color:#333333 #333333 #cccccc;background:#f9f9f9;border-width:0px 0px 2px 0px;display:inline-block;border-radius:27px;width:auto;mso-hide:all"><a href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=bfd6d0189d&e=265522185a" class="u u-1738682785484" target="_blank" style="mso-style-priority:100 !important;text-decoration:none;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;color:#000000;font-size:12px;display:inline-block;background:#f9f9f9;border-radius:27px;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;font-weight:bold;font-style:normal;line-height:14.4px;width:auto;text-align:center;padding:15px 50px;mso-padding-alt:0;mso-border-alt:10px solid #f9f9f9">COVERAGER DATA</a></span><!--<![endif]--></td>
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<table cellpadding="0" cellspacing="0" class="q" align="center" mc:repeatable="repeat_3" mc:hideable="hideable_repeat_3_1" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;table-layout:fixed !important;width:100%;background-color:#FFFFFF;background-repeat:repeat;background-position:center top" role="none" mc:repeatindex="0" mchideable="hideable_repeat_3_1">
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<table bgcolor="#ffffff" class="ba" align="center" cellpadding="0" cellspacing="0" style="mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;background-color:#FFFFFF;width:600px" role="none">
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<td align="center" style="padding:0;Margin:0;padding-top:15px;padding-bottom:15px"><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:12px"> <a target="_blank" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:none;color:#000000;font-size:12px;line-height:24px;white-space:nowrap" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=5b7bfb1973&e=265522185a">🐿️</a><br>This is a really good email. It took a long time to write but it's a short read. That's what makes it so good. <br><a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=e149a76d69&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:none;color:#000000;font-size:12px;border-bottom:1px solid black">advertise</a> / <a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=39958a3842&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:none;color:#000000;font-size:12px;border-bottom:1px solid black">post jobs</a> / <a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=54b3d3b473&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:none;color:#000000;font-size:12px;border-bottom:1px solid black">publish content</a> / <a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=476e7dff04&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:none;color:#000000;font-size:12px;border-bottom:1px solid black">contact</a> / <a target="_blank" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=c3eb3e4404&e=265522185a" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:none;color:#000000;font-size:12px;border-bottom:1px solid black">subscribe</a> / <a target="_blank" href="https://coverager.us8.list-manage.com/unsubscribe?u=c7f08ff0619575a2e00a2c1a9&id=4d21ab2376&t=b&e=265522185a&c=e6ac63ce67" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:none;color:#000000;font-size:12px;border-bottom:1px solid black">unsubscribe</a></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:12px"><br></p><p style="Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;font-family:roboto, 'helvetica neue', helvetica, arial, sans-serif;line-height:24px;color:#000000;font-size:12px">Scoop? <a target="_blank" style="-webkit-text-size-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:none;color:#000000;font-size:12px;line-height:24px;border-bottom:1px solid black" href="https://coverager.us8.list-manage.com/track/click?u=c7f08ff0619575a2e00a2c1a9&id=823e11128e&e=265522185a">Share Here</a></p></td>
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