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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ✔ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Commission file number 001-37536 ☐ Conifer Holdings , Inc. ( Exact name of registrant as specified in its charter ) Michigan ( State or other jurisdiction of incorporation or organization ) to 550 West Merrill Street , Suite 200 Birmingham , Michigan ( Address of principal executive offices ) 27-1298795 ( I.R.S. Employer Identification No. ) ( 248 ) 559-0840 ( Registrant's telephone number , including area code ) Securities registered pursuant to Section 12 ( b ) of the Act : 48009 ( Zip code ) Title of each class Trading Symbol ( s ) CNFR Name of each exchange on which registered The Nasdaq Stock Market LLC Common Stock , no par value Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes ☛ No □ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , ” “ accelerated filer , ” “ smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Large accelerated filer Accelerated filer Non - accelerated filer Smaller reporting company Emerging growth company If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes No The aggregate market value of the registrant's Common Stock held by non - affiliates at June 28 , 2019 was approximately $ 21.3 million , based on the Nasdaq closing price for such shares on that date . The registrant has no non - voting common equity . The number of outstanding shares of the registrant's common stock , no par value , as of March 11 , 2021 , was 9,681,728 .