Hippo Holdings, Inc. (NYSE:HIPO) Q3 2024 Earnings Conference Call November 8, 2024 8:00 AM ET

Company Participants

Mark Olson - Director, Corporate Communications
Richard McCathron - President and Chief Executive Officer
Stewart Ellis - Chief Financial Officer

Conference Call Participants

Yaron Kinar - Jefferies
Thomas McJoynt-Griffith - KBW

Operator

Hello and welcome to the Hippo Holdings' Third Quarter 2024 Earnings Call. My name is Maxine and I'll be coordinating the call today. [Operator Instructions]

I will now hand over to Mark Olson, Director of Communications, to begin. Mark, please go ahead when you are ready.

Mark Olson

Thank you, operator. Good morning, and thank you for joining Hippo's 2024 third quarter earnings call. Earlier today, Hippo issued a shareholder letter announcing its Q3 results, which is available at investors.hippo.com. Leading today's discussion will be Hippo President and Chief Executive Officer, Rick McCathron; and Chief Financial Officer, Stewart Ellis. Following management's prepared remarks, we will open up the call to questions.

Before we begin, we would like to remind you that our discussion will contain predictions, expectations, forward-looking statements and other information about our business that are based on management's current expectations as of the date of this presentation.

Forward-looking statements include, but are not limited to, Hippo's expectations or predictions of financial and business performance and conditions and competitive and industry outlook.

Forward-looking statements are subject to risks, uncertainties and other factors that could cause our actual results to differ materially from historical results and/or from our forecast, including those set forth in Hippo's Form 10-Q filed today and our Form 10-K filed earlier this year.

For more information, please refer to the risks, uncertainties and other factors discussed in Hippo's SEC filings, in particular, in the section entitled Risk Factors in our Form 10-Qs and Form 10-K.

All cautionary statements are applicable to any forward-looking statements we make whenever they appear. You should carefully consider the risks and uncertainties and other factors discussed in Hippo's SEC filings.

Do not place undue reliance on forward-looking statements as Hippo is under no obligation and expressly disclaims any responsibility for updating, offering or otherwise revising any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.

During this conference call, we will refer to non-GAAP financial measures such as total generated premium and adjusted EBITDA. Our GAAP results and the description of our non-GAAP financial measures with a full reconciliation to GAAP can be found in the third quarter 2024 shareholder letter, which has been furnished to the SEC and is available on our website.