Operator

Good morning, and thank you for joining us today. This morning, Donegal Group issued its first quarter 2026 earnings release outlining its results.

The release and a supplemental investor presentation are available in the Investor Relations section of Donegal's website at www.donegalgroup.com.

Please be advised that today's conference is prerecorded. [Operator Instructions]

Speaking today will be President and Chief Executive Officer, Kevin Burke; Chief Financial Officer, Jeff Miller; Chief Underwriting Officer, Jeff Hay; Chief Operating Officer, Dan DeLamater; and Chief Investment Officer, Tony Viozzi. Please be aware that statements made during this call that are not historical facts are forward-looking statements and necessarily involve risks and uncertainties that could cause actual results to vary materially. These factors can be found in Donegal Group's filings with the Securities and Exchange Commission, including its annual report on Form 10-K and quarterly reports on Form 10-Q.

The company disclaims any obligation to update or publicly announce the results of any revisions that they may make to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. With that, it is my pleasure to turn it over to Mr. Kevin Burke. Kevin?

Kevin Burke
President, CEO & Chairman

Thank you, and welcome, everyone. We are pleased to provide an update today on our quarterly results and areas of focus for 2026.

Our underwriting results for the first quarter of 2026 lagged the unusually favorable results for the first quarter of