American Coastal Insurance (ACIC) investor relations material

Executive summary

• The annual meeting will be held virtually on May 26, 2026, with shareholders able to vote and ask questions online.

• Shareholders will vote on the election of five Class B directors and the ratification of Deloitte as the independent auditor for 2026.

• The company reported strong financial performance in 2025, with net revenues up $38.8 million and net income of $106.8 million.

• Strategic transformation included exiting personal residential insurance and expanding specialty commercial lines.

Voting matters and shareholder proposals

• Shareholders will elect Alec L. Poitevint II, Kern M. Davis, M.D., William H. Hood III, Patrick F. Maroney, and Deirdre A. Brown as Class B directors for two-year terms.

• Ratification of Deloitte & Touche LLP as independent auditor for fiscal year ending December 31, 2026 is on the agenda.

• No other known matters are expected, but proxies may vote on additional items if raised.

• Shareholder proposals for the 2027 meeting must be submitted by December 2, 2026.

Board of directors and corporate governance

• The board consists of nine directors split into two classes, with staggered two-year terms.

• All board committees (Audit, Compensation, Nominating, Investment) are composed of independent directors.

• Board leadership includes an Executive Chairman and a Lead Director for independent oversight.

• The board emphasizes diversity and inclusion and has adopted a Code of Conduct and Insider Trading Policy.

• Directors receive annual retainers, committee chair fees, and restricted stock awards.