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American Coastal Insurance (ACIC) investor relations material
American Coastal Insurance Sidoti's Year End Virtual Investor Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Sidoti's Year End Virtual Investor Conference summary10 Dec, 2025
Business overview and strategy
Focuses on commercial residential property insurance in Florida, holding the top market share among condominium associations.
Transitioned from personal lines to a pure commercial model, divesting all personal lines by early 2023.
Targets low-rise, inland properties with insured values between $5M–$60M, avoiding high-value oceanfront risks.
Maintains consistent underwriting profits, even after major hurricane events.
Leverages a capital-light model with a low PE multiple and strong reinsurance partnerships.
Underwriting and risk management
Exclusive five-year underwriting partnership with AmRisc, recently extended through 2029.
Sets underwriting guidelines and reviews risk portfolio monthly, focusing on property-only risks with no liability exposure.
Enjoys pricing flexibility as an admitted carrier for properties above $5M, accessing state catastrophe funds.
Maintains a combined ratio target of 65–75%, adjusting for market cycles.
Regularly updates insured values to keep pace with inflation and replacement costs.
Reinsurance and financial protection
Purchases robust catastrophe reinsurance, with $30M retention on first event and $1.3B total coverage.
Added aggregate CAT reinsurance in 2025, covering all perils above $40M with a $20M cap per occurrence.
Maintains AOP (all other perils) coverage up to $100M, with $10M retention, and excess per risk coverage up to $60M.
Focuses on reducing earnings volatility and protecting capital, especially after recent strategic transformation.
Willing to take more risk as capital base strengthens, co-participating in reinsurance layers for higher returns.
Skyway MGA growth: How does it alter risk profile?
Capital allocation: Rationale for special dividends
Future risk retention strategy with rebuilt capital?
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Next American Coastal Insurance earnings date
Status Update14 Jan, 2026
Next American Coastal Insurance earnings date
Status Update14 Jan, 2026
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Frequently asked questions
American Coastal Insurance Corporation (ACIC) is a property and casualty insurance holding company, focusing on the underwriting of commercial residential property and casualty insurance policies in the United States. Founded in 2007, ACIC operates through its wholly owned insurance subsidiary, American Coastal Insurance Company (AmCoastal). It stands out as one of the largest voluntary market writer of Commercial Residential Properties in the state of Florida, demonstrating a significant presence in the industry. ACIC's operations extend to sourcing, writing, and servicing residential personal and commercial property and casualty insurance policies across the nation. The company is headquartered in St. Petersburg, Florida, USA, and its shares are listed on the Nasdaq under the ticker symbol ACIC.
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