---
schema_version: "secwatch.filing_event.v1"
accession: "0001519449-25-000003"
form_type: "8-K"
ticker: "SKWD"
cik: "0001519449"
company_name: "Skyward Specialty Insurance Group, Inc."
filed_at: "2025-02-05T23:59:59+00:00"
generated_at: "2026-05-27T02:36:48.186582+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Skyward Specialty commutes LPT, reports preliminary Q4 GWP up 21%, net income $14.4M; provides 2025 guidance

## Summary
- Commuted LPT with R&Q Re, received $11.7M cash; strengthened reserves $25.3M, recognized $9.8M uncollectible reinsurance recoverable (net of tax).
- Preliminary Q4 2024: gross written premiums $388.4M (+20.8% YoY), adjusted combined ratio 91.6% (incl. 2.2 pts catastrophe).
- Q4 net investment income $20.7M; net income $14.4M; adjusted operating income $33.2M.
- 2025 guidance: net income $138M-$150M, combined ratio 91%-92% (incl. 2.0-2.5 pts catastrophe).

## SEC filing metadata
- accession: 0001519449-25-000003
- form_type: 8-K
- ticker: SKWD
- cik: 0001519449
- company_name: Skyward Specialty Insurance Group, Inc.
- filed_at: 2025-02-05T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 1.01, 1.02, 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1519449/000151944925000003/0001519449-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1519449/000151944925000003/skwd-20250205.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001519449-25-000003
- JSON: https://secwatch.observer/filing/0001519449-25-000003.json
- Plain text: https://secwatch.observer/filing/0001519449-25-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.