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American Coastal Insurance
American Coastal Insurance (ACIC) investor relations material
American Coastal Insurance Status Update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Status Update summary14 Jan, 2026
Strategic partnership and market expansion
Expanded partnership with AmRisc includes a 6% participation in their nationwide E&S portfolio, expected to generate about $75 million in gross written premium for 2026, starting March 1.
A new catastrophe reinsurance program will limit retention to $10.8 million, with excess loss coverage up to the 250-year probable maximum loss.
The E&S market is seen as critical for long-term growth, with a shift in commercial property insurance from admitted to E&S lines.
Florida strategy remains unchanged due to the cost advantage of the Florida Hurricane Catastrophe Fund, but E&S is preferred for other states and non-qualifying risks.
Launch of new E&S carrier and underwriting strategy
Formation of ACES Specialty Insurance Company, a wholly owned E&S carrier, is underway with $30 million in initial surplus and pending Arizona regulatory approval.
ACES will initially assume risk as a collateralized reinsurer and aims to become a direct underwriter after obtaining state approvals and an AM Best rating.
Initial underwriting focus will be on five commercial property classes in Florida, Texas, and South Carolina, with potential expansion to other CAT-exposed geographies.
Distribution will continue through national wholesale partners and internal MGA Skyway Underwriters.
Reinsurance program and financial guidance
Robust reinsurance program renewed for 2026, including all other perils and aggregate catastrophe reinsurance, with $106 million coverage per event and $20 million aggregate limit.
2026 guidance targets $85–$100 million in pre-tax earnings and $335–$365 million in total revenue.
Liquidity and book value have grown steadily, with special cash dividends paid in 2025 and 2026.
Long-term capital allocation targets less than 25% debt-to-capital and opportunistic stock buybacks, though none have occurred yet.
AmRisc E&S: ACIC's maximum retention
ACES: Path to direct underwriting status
Stock buyback plans and conditions
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Next American Coastal Insurance earnings date
Q4 202527 Feb, 2026
American Coastal Insurance
Next American Coastal Insurance earnings date
Q4 202527 Feb, 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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