• Mr. Gregg is the Founder and Chairman of the Board of Orion180 Insurance Group Inc., which he established in May 2015.
• He possesses over 26 years of experience in the insurance industry, having worked with prominent companies such as Allianz and AXA.
• He previously served as President & Chief Executive Officer of CITON Group, Inc.
• Mr. Gregg developed the proprietary technology platform, MY180, to address technological shortcomings in the business-to-business (B2B) insurance sector, which has been integral to Orion180's success.
• Orion180 was initially bootstrapped and achieved profitability within 12 months without significant institutional capital.

• Mr. Birchler joined Orion180 in December 2021.
• He brings over 25 years of experience in insurance and financial services.
• Prior to Orion180, he was an executive with Ernst & Young in New York and Zurich, where he led finance and multi-disciplinary teams across property and casualty, health, reinsurance, and mergers and acquisitions (M&As).

• Mr. Jesenik was promoted to President, Insurance, in February 2025, while continuing his responsibilities as COO.
• He oversees growth strategy and ensures the company's operations align with its long-term objectives.
• During his tenure as COO, Orion180's in-force premium experienced substantial growth, and he played a key role in launching crucial insurance products and the MY180 application.
• He has more than a decade of experience in operations and corporate finance.

• Mr. DiMartino joined Orion180 in February 2025.
• He contributes 27 years of experience in underwriting, actuarial science, and product management within both commercial and personal lines property and casualty (P&C) insurance.
• Before joining Orion180, he served as Senior Vice President of Insurance Services at AAA Northeast and spent over 20 years at The Hartford, where his most recent role was Head of Product for its $3 billion personal lines business.

• Mr. Moorjani holds the position of Chief Innovation Officer at Orion180.
• In this role, he is responsible for leading technological advancements and innovative solutions within the company.

Key Risks for Orion180 Insurance (OIG)

Orion180 Insurance Group Inc. (NASDAQ: OIG) is a technology-focused homeowners and flood insurance provider operating primarily in coastal and wind-prone regions across the United States. Its key business risks are:

1. Exposure to Catastrophic Weather Events: As an insurer specializing in homeowners and flood coverage, particularly in coastal and wind-prone areas of the Southeast U.S., Orion180 is highly vulnerable to significant financial losses resulting from natural disasters such as hurricanes and floods. An increase in the frequency or severity of these catastrophic events could lead to substantial claims, deplete its financial reserves, and significantly raise the cost or reduce the availability of crucial reinsurance coverage.
2. Underwriting Accuracy and Reinsurance Dependency: The company leverages proprietary technology for underwriting and risk assessment. Inaccurate risk evaluation or flawed pricing models, especially in high-risk geographical areas, could lead to considerable underwriting losses. Furthermore, Orion180 likely relies heavily on reinsurance to mitigate its exposure to large-scale events. Fluctuations in the reinsurance market, including rising costs or diminished capacity, could severely impact the company's profitability and its ability to offer competitive insurance products.
3. Intense Competition and Regulatory Landscape: The property and casualty insurance sector is intensely competitive, with Orion180 facing rivals from both long-established insurers and other insurtech companies. To attract and retain policyholders and agents, the company must continuously innovate and maintain competitive pricing and service quality. Additionally, as a heavily regulated industry, any changes in state-level insurance laws, regulations pertaining to premium rates, coverage mandates, or claims handling practices could adversely affect Orion180's business model, operational expenses, and strategic expansion initiatives.

Orion180 Insurance (symbol: OIG) operates primarily in the U.S. homeowners and residential flood insurance markets. The company's main products and services include homeowners insurance, flood insurance, DP landlord insurance, jewelry insurance, and smart technology solutions for home protection.

The addressable market sizes for Orion180 Insurance's main products and services in the U.S. are as follows:

• The U.S. homeowners and residential flood insurance market, which is Orion180's core market, represented approximately $175 billion in 2025 and is expected to grow to $192 billion.
• Within the U.S. property insurance market, which was approximately $513 billion in premiums in 2025, Orion180 focuses on homeowners and residential flood insurance.
• The excess and surplus (E&S) lines homeowners insurance market in the United States, where Orion180 is identified as the second-largest provider, reached $4 billion in premiums as of late 2025 and has experienced a compound annual growth rate of 25% over the past five years.
• The private flood insurance market in the U.S. had premiums exceeding $1 billion as of December 31, 2025.
• The broader U.S. personal lines insurance market, which includes homeowners, auto, and renters insurance, is projected to grow from $878.823 billion in 2021 to $2,176.420 billion by 2033, at a compound annual growth rate of 7.85%. Homeowners' business accounted for 16% of personal lines premiums in 2024.
• While specific market sizes for DP landlord insurance and jewelry insurance are not separately delineated in the provided information, the landlords segment contributed the largest market share of 73% in the global home insurance market in 2025 by end-use.

Orion180 Insurance (symbol: OIG) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

1. Geographic Expansion: The company plans to continue expanding its "growing footprint across the United States", which indicates an intention to enter new states and regions to offer its insurance solutions.
2. Organic Growth in Core Homeowners and Flood Insurance Products: As a "leading provider of flexible, customer-centric homeowners and flood insurance solutions," Orion180 anticipates continued organic growth in these key product areas, particularly within its established and expanding markets.
3. Leveraging Technology for Innovative Solutions: Orion180 operates as a "technology-focused" specialty insurance group committed to "delivering innovative insurance solutions". This focus on technology is expected to enhance product offerings, improve customer experience, and increase operational efficiency, thereby attracting new customers and retaining existing ones.
4. Increased Market Share in the Excess and Surplus (E&S) Lines Segment: Having "organically grown to become the second largest excess and surplus ("E&S") lines homeowners insurance provider in the United States by direct written premiums", Orion180 is positioned to further expand its market share within this high-growth segment of the insurance industry.