Better Health for All

Conifer Holdings, Inc. (CNFR.US) is an insurance holding company, primarily offering commercial and personal lines of insurance.

The provided articles about CNFR.US focus on its financial performance and operational strategies within the insurance sector. No evidence was found regarding the company's direct impact on health outcomes, safety records, pricing accessibility for health products, vulnerable population reach, health innovation investment, health equity programs, or any other specific health-related initiatives. Articles referring to 'Conifer Health' describe a separate entity focused on population health management, and there is no explicit evidence linking its operations or impact to Conifer Holdings, Inc. (CNFR.US) as the overall company being assessed.

Fair Money & Economic Opportunity

The provided articles do not contain specific, quantifiable evidence for any of the KPIs related to Fair Money & Economic Opportunity. While the company states a focus on underserved markets and targets owner-operated businesses and owners of lower-valued homes, no percentages or specific details are provided regarding the share of these clients, pricing fairness, fee exposure, inclusion initiatives, data accessibility, fair lending compliance, wealth building outcomes, profit reinvestment, financial literacy initiatives, debt burden ratio, geographic inclusion, or product simplicity.

The company is an insurance provider, and many KPIs are tailored to lending or deposit services, for which no relevant data is available.

Fair Pay & Worker Respect

Employee engagement is rated at 3.1 out of 5 stars (62%) based on 18 reviews, with 47% of employees recommending working at the company.

While some reviews mention good benefits and pay, significant concerns include nepotism, a top-down management style that does not value employee input, poor communication, and a lack of appreciation. Employees also report a toxic work environment, outdated computer systems, and a lack of career development opportunities, with suggestions of bias in promotions potentially favoring male employees.

Honest & Fair Business

The company has a Whistleblower Policy available on its website, with the Audit Committee overseeing the whistleblower hotline and investigative process.

All directors are determined to be 'independent directors' as defined by Nasdaq and SEC rules. The company has a Code of Business Conduct and Ethics designed to deter wrongdoing. Its financial statements are audited by an independent registered public accounting firm, Plante & Moran, PLLC, for 2023 and 2024. One director filed a late Form 3 report on January 24, 2024. Allegations of a 2022 data breach against Conifer Health Solutions LLC are not relevant to Conifer Holdings, Inc. (CNFR.US).

Kind to Animals

Conifer Holdings, Inc. is an insurance holding company, a service-oriented business.

The provided articles do not contain any specific data points related to animal welfare, cruelty-free practices, animal testing, animal-derived ingredients, or animal agriculture for the company. Given the nature of its business, the KPIs related to animal products, testing, and agriculture are not applicable.

No War, No Weapons

The provided articles do not contain any specific, quantifiable, or qualitative evidence regarding Conifer Holdings, Inc.'s involvement in activities related to arms manufacturing, military contracts, dual-use technology, sales to embargoed regimes, peacebuilding initiatives, or any other metric relevant to the 'No War, No Weapons' ethical value.

The articles discuss general ESG considerations for the defense sector and financial data for CNFR.US, but none offer concrete facts or policies directly attributable to Conifer Holdings, Inc. that would allow for scoring against the defined KPIs.

Planet-Friendly Business

No specific data regarding CNFR.US's environmental performance or initiatives could be found in the provided articles.

Both articles were either inaccessible (404 error) or contained only general information about the insurance industry's sustainable finance trends, without any company-specific details for Conifer Holdings, Inc.

Safe & Smart Tech

Conifer Holdings, Inc. (CNFR.US) reported no data breaches in 2023 and has not identified risks from known cybersecurity threats, including from prior incidents in the past three fiscal years, that have materially affected or are reasonably likely to materially affect them.

The company's cybersecurity programs are informed by the Center for Internet Security Critical Security Controls framework and include advanced threat protection, vulnerability scanning, user authentication, data encryption, loss prevention, backup and recovery, employee training, disaster recovery testing, and third-party security assessments. In 2023, Conifer Holdings, Inc. invested $542,000 in cybersecurity, which represents approximately 0.21% of its $256.4 million revenue for the same year. Conifer Insurance Services LLC states it does not sell customer information, shares data only with affiliates and service providers for business reasons, and has physical, electronic, and procedural safeguards to protect information, retaining it only as long as legally required. The company's cybersecurity programs include user authentication, role-based access, and privileged access management. Conifer continues to enhance security controls and monitoring practices. The company's cybersecurity programs include vulnerability scanning and testing of network defenses. Conifer's cybersecurity programs include data encryption and loss prevention. Conifer Insurance Services LLC retains personal information for as long as a user participates in its Messaging Service or as needed to comply with legal obligations. The company can disclose information to comply with federal, state, or local laws, rules, and other applicable legal requirements.