Welcome to our dedicated page for American Coastal Insurance SEC filings (Ticker: ACIC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The American Coastal Insurance Corporation (NASDAQ: ACIC) SEC filings page provides access to the company’s regulatory disclosures as a property and casualty insurance holding company. ACIC files periodic and current reports that give detailed insight into its commercial residential property insurance operations in Florida, including the performance of American Coastal Insurance Company (AmCoastal).
Investors can review annual reports on Form 10-K and quarterly reports on Form 10-Q for information on gross and net premiums, loss and loss adjustment expenses, combined and underlying combined ratios, policy acquisition costs, general and administrative expenses, and reinsurance structures. These filings also expand on topics highlighted in earnings releases, such as quota share reinsurance coverage levels, catastrophe excess-of-loss contracts, reinsurance costs as a percentage of gross earned premium, and book value per share calculations, including measures that exclude accumulated other comprehensive income.
Current reports on Form 8-K document material events, including the release of quarterly earnings and the use of earnings presentations in meetings with investors and analysts. Through these filings, users can trace how American Coastal reconciles non-GAAP measures like core income and core return on equity to the most directly comparable GAAP metrics, as described in its public communications.
On Stock Titan, ACIC filings are updated from the SEC’s EDGAR system and paired with AI-powered summaries that highlight key figures, trends, and disclosures in plain language. Users can quickly identify important sections of lengthy 10-K and 10-Q reports, understand the implications of 8-K announcements, and monitor how changes in reinsurance, capital structure, and underwriting performance are reflected in the company’s official regulatory record.
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 Corp. Chief Compliance/Risk Officer James Andy Gray reported an acquisition of derivative securities in the form of restricted stock units. On 01/09/2026, he acquired 717 restricted stock units at $11.37 per unit, each representing a conditional right to receive one share of the company’s common stock. Following this grant, he beneficially owned 11,531 derivative securities directly. Related dividend equivalent units will vest proportionately with the underlying restricted stock units.
American Coastal Insurance Corp’s Chief Financial Officer, Svetlana Castle, reported receiving 717 restricted stock units on 01/09/2026. Each unit represents a conditional right to receive one share of the company’s common stock, and related dividend equivalent units will vest in step with the underlying restricted stock units.
After this grant, Castle beneficially owns 11,531 derivative securities, all held directly. The transaction was reported as an acquisition at a reference price of $11.31 per unit.
American Coastal Insurance secretary Brooke Adler received 1,279 restricted stock units on January 9, 2026. Each unit represents a conditional right to receive one share of the company’s common stock. The award includes dividend equivalent units that will vest in step with the underlying restricted stock units. Following this grant, Adler beneficially owned 20,557 derivative securities related to American Coastal Insurance common stock, all held directly.
American Coastal Insurance Corp reported that President Brad Martz received 3,181 restricted stock units on January 9, 2026 at $11.31 per unit. Each stock unit is a conditional right to receive one share of the company’s common stock, meaning Martz’s future ownership can increase if these units vest. The filing also notes dividend equivalent units that will vest in step with the related restricted stock units, aligning payouts with future dividends. Following this award, Martz beneficially owns 51,135 derivative securities directly.
American Coastal Insurance Corp's Chief Operating Officer Christopher Griffith reported an equity award in the form of derivative securities. On January 9, 2026, he was granted 1,526 restricted stock units, each representing a conditional right to receive one share of the company’s common stock. The units are valued at $11.31 per unit for reporting purposes and include dividend equivalent units that will vest in step with the underlying restricted stock units. Following this grant, Griffith beneficially owned 24,535 derivative securities related to the company’s common stock, all reported as directly held.
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 Corp (ACIC) disclosed an insider transaction on Form 4. Chief Operating Officer Christopher Griffith sold 18,409 shares of common stock at $11.86 on November 10, 2025. After the sale, he beneficially owned 103,022 shares, held directly.
American Coastal Insurance Corporation (ACIC) reported stronger Q3 results. Net income from continuing operations was $32.5 million, up from $27.7 million a year ago, as net premiums earned rose to $80.8 million and investment gains supported total revenue of $90.4 million. Diluted EPS from continuing operations was $0.65 versus $0.56 last year.
Year to date, net income reached $80.3 million (vs. $70.8 million), with cash, cash equivalents and restricted cash increasing to $359.1 million from $199.4 million at year-end. Stockholders’ equity improved to $327.2 million from $235.7 million, while unpaid losses and LAE declined to $188.7 million from $322.1 million. Shares outstanding were 48,765,302 as of November 3, 2025.
The company completed the sale of Interboro Insurance Company on April 1, 2025, receiving $25.679 million in cash and recording a $247,000 loss on disposal. ACIC’s reinsurance program includes occurrence coverage up to approximately $1.33 billion for a first event and aggregate protection of $1.676 billion, with a first-event GAAP retention of $29.75 million, plus a $40 million catastrophe aggregate layer effective in 2025.
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.