Every 8-K that American Coastal Insurance (ACIC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow ACIC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ACIC filings page.
American Coastal Insurance Corporation reported Q2 2026 net income of $21.9 million, or $0.44 per diluted share, down from $26.4 million, or $0.53, in Q2 2025. Total revenue slipped to $82.6 million as gross premiums earned fell 16.2% and net premiums earned declined 11.1%, reflecting a 24% decrease in net pricing in a softening market.
Underwriting remained profitable, with a combined ratio of 74.3% and an underlying combined ratio of 68.7%, though both worsened year over year due to higher catastrophe losses and less favorable prior-year development. Core income dropped to $16.5 million, or $0.33 per diluted share, and core return on equity was 20.0%.
Capital metrics strengthened. Book value per share rose to $7.21, a 20.2% increase from $6.00 a year earlier, and underlying book value per share reached $7.39. Cash, cash equivalents, restricted cash and investments totaled $650.0 million, while reinsurance costs as a percentage of gross earned premium improved to a 49.8% ceding ratio from 52.6%.
American Coastal Insurance Corporation reported voting results from its 2026 annual stockholder meeting. Stockholders representing 42,734,499 shares of common stock were present or represented by proxy, out of 48,342,811 shares outstanding and entitled to vote as of March 27, 2026.
All five nominated Class B directors — Alec L. Poitevint II, Kern M. Davis, M.D., William H. Hood III, Patrick F. Maroney, and Deirdre A. Brown — were elected to two-year terms ending at the 2028 annual meeting. Stockholders also ratified Deloitte & Touche LLP as the company’s independent registered public accounting firm for the fiscal year ended December 31, 2026.
American Coastal Insurance Corporation renewed its core catastrophe reinsurance program for the 2026/27 season, significantly expanding coverage while lowering costs. The company purchased approximately $1.918 billion of aggregate occurrence-based limit, up from $1.676 billion, and added $200 million of new multi-year catastrophe bond capacity in two $100 million tranches. Estimated first event limit rose to $1.68 billion, while total cascading limit increased to $435 million. First event retention increased to up to $49 million and second event retention to up to $25 million, both measured against stockholders’ equity. The 2026/27 catastrophe excess of loss reinsurance cost is approximately $179.5 million, down from $201.85 million, and maximum reinstatement premium exposure declined to $0.9 million.
American Coastal Insurance Corporation reported solid profitability for the first quarter ended March 31, 2026, while navigating a softer commercial property market. Net income from continuing operations was $19.3 million, compared with $19.7 million a year earlier, and diluted earnings per share from continuing operations were $0.39 versus $0.40.
Total revenue was $71.2 million, down slightly from $72.2 million, as gross premiums written fell to $149.4 million from $197.9 million, a 24.5% decline driven by increased competition and lower pricing. Despite this, the combined ratio remained favorable at 66.0%, with an underlying combined ratio of 68.3%, both broadly consistent with last year.
Core income was $19.3 million, or $0.39 per diluted share, down from $20.7 million, or $0.42, reflecting lower premiums and the absence of prior-year discontinued operations. Return on equity based on GAAP net income was a robust 24.5%, while book value per share rose to $6.86, up 27.1% from $5.40 a year earlier and 5.4% from December 31, 2025.
American Coastal Insurance Corporation reported upcoming board and leadership changes. Longtime director Sherrill W. Hudson will not seek re-election and will serve until the 2026 Annual Meeting of Shareholders. The board has nominated Deirdre A. Brown, a seasoned CPA and current director of its insurance subsidiary, to fill his board seat.
The company also appointed Troy Crawford as Chief Underwriting Officer, expanding his existing underwriting leadership role at its insurance subsidiary. His new employment agreement runs on a one-year, automatically renewing term, includes eligibility for performance-based bonuses and executive benefits, and imposes a two-year post-employment non-solicitation obligation.
American Coastal Insurance Corporation reported sharply stronger results for Q4 and full-year 2025. Quarterly net income rose to $26.6 million, or $0.53 per diluted share, from $4.9 million, or $0.10 per share, helped by much lower catastrophe losses than in late 2024. For 2025, net income increased to $106.8 million, or $2.15 per diluted share, up from $75.7 million, or $1.54 per share, as net premiums earned grew 12.0% and total revenue increased 13.1% to $335.4 million.
The combined ratio improved to 58.6% in Q4 2025 from 91.9%, and to 60.1% for the year, reflecting lower loss ratios and a stable expense base. Core income, which excludes discontinued operations and certain investment and amortization items, rose to $25.8 million for the quarter and $103.7 million for the year. Book value per share increased 33.1% to $6.51 at December 31, 2025, while underlying book value per share reached $6.66, supported by strong earnings and despite a $0.75 special dividend declared in the fourth quarter.
American Coastal Insurance Corporation filed a current report to furnish an investor presentation under Regulation FD. The company’s executive officers plan to use this presentation in meetings with investors and analysts beginning on January 14, 2026. The presentation is attached as Exhibit 99.1 and is also available on the company’s investor relations website.
The company clarifies that the information in this investor presentation is being furnished, not filed, under the securities laws, which limits its treatment under certain liability provisions and for incorporation by reference into other securities documents.
American Coastal Insurance Corporation renewed key catastrophe reinsurance protections for 2026 through its subsidiary American Coastal Insurance Company. Effective January 1, 2026, the company renewed its all other perils catastrophe excess of loss agreement, which provides up to $95.6 million of occurrence limit above a $10.0 million attachment point, with a $10.0 million per‑occurrence retention net of quota share. The cost of this agreement is approximately $11.4 million and it offers about $95.6 million of coverage for a first event, or $170.4 million in the aggregate.
In addition, the company renewed its catastrophe aggregate excess of loss agreement effective January 1, 2026. This contract provides a $40 million aggregate limit, capped at $20 million per occurrence, excess of zero after a $40 million annual aggregate deductible is exceeded, covering all catastrophe events for the year ending December 31, 2026. The cost of this aggregate protection is approximately $4.9 million.
American Coastal Insurance Corporation furnished an 8‑K to announce availability of its third‑quarter 2025 results materials. The company issued a press release for the quarter ended September 30, 2025 (Exhibit 99.1) and an earnings presentation (Exhibit 99.2).
Management plans to use these materials in meetings with investors and analysts beginning November 5, 2025. The information under Items 2.02 and 7.01 is furnished, not filed, and is not incorporated by reference except as expressly set forth.
American Coastal Insurance Corporation (ACIC) filed a Form 8-K dated August 6, 2025 disclosing that it has furnished an earnings release and an earnings presentation for the second quarter ended June 30, 2025, attached as Exhibit 99.1 and Exhibit 99.2. The filing includes the companys Delaware incorporation, Nasdaq listing (ACIC), principal executive office in St. Petersburg, Florida, and a contact phone number.
The filing states the materials are furnished, not filed, and that executive officers intend to use them in investor and analyst meetings beginning August 6, 2025. The 8-K does not include any financial metrics, guidance, or earnings figures in its text and is signed by B. Bradford Martz, President & Chief Executive Officer.