(Incorporated in Delaware)

We are a property and casualty insurance underwriter and platform focused on coastal Florida and Louisiana with over $1 billion in in-force premiums. We serve homeowners and commercial policyholders. We run our business through a mostly fee-based platform.

From the prospectus:

Safepoint is a specialty homeowners and commercial insurance underwriter that manages all aspects of the insurance value chain in a capital efficient manner by leveraging a majority fee-based servicing platform. Safepoint is focused on delivering insurance in coastal markets such as Florida and Louisiana, as well as in other U.S. markets. We are a founder-led company that is majority-owned by its management, which we believe creates a strong alignment between the management team and our shareholders. Our management team consists of highly experienced insurance professionals with a shared vision to solve problems for stakeholders in underserved or dislocated property insurance markets. Our business strategy, which has been developed and tested since our founding in 2013, combines sophisticated actuarial analytics, risk management expertise and a low-cost operating model designed to provide better value to our customers across market cycles. We have an innovative organizational structure that combines the benefits of policyholder-owned reciprocal insurance exchanges that we manage as an attorney-in-fact in exchange for a service fee, with our wholly owned insurance company, Safepoint Insurance. As of December 31, 2025, the majority of our in-force premium, which was equal to $1,034.0 million – or $1.03 billion – as of such date, was originally placed with the Reciprocal Exchanges, and only 11% of our in-force premium as of such date was originally placed with Safepoint Insurance.

We have prudently grown our business over the last 12 years, while producing attractive risk-adjusted returns, which we believe validates the strength of our business model and risk selection. Many of Safepoint’s competitors have not had the staying power to continue writing business in Florida, Louisiana and other U.S. Gulf Coast states, as they have lacked a disciplined approach to underwriting, risk management and expense control. We have assumed policies from other private insurers and depopulation programs of state-sponsored insurers, as well as from new business sales from our broad network of independent agents.

We are led by an entrepreneurial executive management team, with a focus on data-driven underwriting and prudent risk management through our robust and comprehensive reinsurance strategy. Our founder and chief executive officer, David Flitman, is a credentialed actuary who has held executive roles in large, global insurance and reinsurance companies during his more than 30 years of industry experience. The executive management team’s actuarial and reinsurance focus and expertise form the basis of our business strategy, and meaningfully influence all aspects of our operations and culture.

Note: Net income and revenue are for the 12 months that ended March 31, 2026.

(Note: Safepoint Holdings filed its S-1 on May 8, 2026, for its IPO without disclosing the terms. Estimated proceeds are $100 million, a placeholder figure.)