ifer (CNFR) - 2021 Q4 - Annual Report

FORM 10-K Filing Information This section provides key registrant details for Conifer Holdings, Inc., a Michigan-registered insurance holding company, including its Nasdaq listing and auditor information Registrant Information Conifer Holdings, Inc. is a Michigan-registered insurance holding company, filing its 10-K annual report as a smaller reporting company for the fiscal year ended December 31, 2021 - Conifer Holdings, Inc. is a Michigan-registered insurance holding company, filing its 10-K annual report as a smaller reporting company for the fiscal year ended December 31, 2021[2][3][4] - The company's common stock is listed on Nasdaq under the ticker symbol CNFR[3] Key Registrant Information | Metric | Detail | | :--- | :--- | | Registrant Name | Conifer Holdings, Inc. | | State of Incorporation | Michigan | | Ticker Symbol | CNFR | | Exchange Registered | The Nasdaq Stock Market LLC | | Filing Type | Smaller reporting company | | Aggregate Market Value of Non-Affiliate Common Stock (June 30, 2021) | Approximately $10.1 million | | Shares of Common Stock Outstanding (March 10, 2022) | 9,707,817 shares | | Auditor | Deloitte & Touche LLP | | Auditor Location | Detroit, MI | Part I This section provides a comprehensive overview of Conifer Holdings, Inc.'s business, including its operational structure, product lines, competitive strengths, and regulatory environment Business Overview Conifer Holdings, Inc. is an insurance holding company primarily selling property and casualty insurance products through its subsidiaries, with a business model centered on commercial, personal, and wholesale agency operations - The company primarily sells property and casualty insurance products through its insurance subsidiaries, with business lines covering commercial, personal, and wholesale agency operations[11] - The company focuses on underserved markets, distributing products through over 4,600 independent agents, emphasizing underwriting discipline and conservative investment strategies[11][16] - As of December 31, 2021, approximately 45.5% of the company's total premiums were admitted business, and 54.5% were Excess and Surplus (E&S) business[13] Legal Organization Conifer Holdings, Inc., established in 2009, is a Michigan-registered insurance holding company with three insurance subsidiaries and one wholesale agency subsidiary - Conifer Holdings, Inc. was established in 2009 as a Michigan-registered insurance holding company[10] - The company owns three insurance subsidiaries: Conifer Insurance Company (CIC), Red Cedar Insurance Company (RCIC), White Pine Insurance Company (WP