American Integrity Insurance Group (AII) Registration filing summary

Company overview and business model

• Tampa-based insurance operation provides personal residential property coverage for single-family and condominium owners, vacant dwellings and investment properties, predominantly in Florida.

• Strategy targets underwriting profits across insurance and economic cycles, adjusting premiums written and risk exposure to market conditions while maintaining a conservative financial position.

• Coverage is distributed through independent agents, homebuilder-affiliated agencies and national carriers; expansion into SC, GA and NC supports builder-agency relationships.

Financial performance and metrics

• As of June 30, 2026, Florida represented 92.0% of policies in force; 73.2% of in-force premium was in the Voluntary Market.

• Of Voluntary Market in-force premium as of June 30, 2026, 93.7% was in core Florida and 6.3% in SC, GA and NC.

• May 2025 IPO generated $82 million net proceeds after $7.0 million underwriting discounts and commissions, $4.2 million other expenses, $3.8 million employee/consultant share issuance costs and $3.0 million Sowell MSA termination payment.

Use of proceeds and capital allocation

• Net proceeds from future primary offerings are intended for general corporate purposes unless an offering supplement states otherwise; specific allocations will be set at the time of sale, and proceeds may be temporarily invested.

• No proceeds from resales of Sowell & Co. shares will go to the issuer; registration costs are borne by the issuer, excluding underwriting discounts, commissions and transfer taxes.