State Auto Financial ( STFC)

Q3 2011 Earnings Call

November 8, 2011 10:00 AM ET


Steve English – VP and CFO

Robert Restrepo – President, Chairman and CEO


Matt Rohrmann – Keefe, Bruyette & Woods

Paul Newsome – Sandler O’Neill & Partners

Ryan Burns

Larry Greenberg – Langen McAlenney



Good morning, and thank you for standing by. I would like to remind all parties that your lines have been placed on listen-only until the question-and-answer portion of today’s conference. (Operator Instructions) Today’s conference is being recorded. If you should have any objection, you may disconnect at this time.

It is now my pleasure to introduce your speakers for today, Mr. Bob Restrepo, Chairman and Chief Executive Officer; and Mr. Steve English, Chief Financial Officer. Thank you, gentlemen. You may begin.

Steve English

Thank you, Emily. Good morning, and welcome to our third quarter 2011 earnings conference call. Today, I’m joined by several members of STFC’s senior management team, our Chairman, President and CEO, Bob Restrepo; Chief Investment Officer, Jim Duemey; Chief Actuarial Officer, Matt Mrozek and our Chief Accounting Officer and Treasurer, Cindy Powell.

Today’s call will include prepared remarks by our CEO, Bob Restrepo and me, after which, we will open the lines for questions. Please note our comments today may include forward-looking statements, which by their nature, involve a number of risk factors and uncertainties which may affect future financial performance. Such risk factors may cause actual results to differ materially from those contained in our projections or forward-looking statements. These types of factors are discussed at the end of our press release as well as in our annual and quarterly filings with the Securities and Exchange Commission to which I refer you.

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