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.
American Coastal Insurance Corporation filings document the reporting obligations of a public property and casualty insurance holding company and its American Coastal Insurance Company subsidiary. The company’s 8-K filings regularly furnish earnings releases, financial presentations, Regulation FD materials and updates on premium activity, underwriting results, loss ratios and consolidated operating performance.
Other filings cover proxy governance, director elections, executive compensation, board and officer changes, and material insurance-risk management matters. Recent event reports also describe catastrophe reinsurance arrangements, including excess-of-loss and aggregate coverage structures used to manage losses from named windstorms, severe convective storms, winter storms and other catastrophe events.
American Coastal Insurance Corp’s Secretary Brooke Adler exercised equity awards and settled related tax obligations in company stock. On April 3, 2026, Adler exercised performance stock units, restricted stock units, and dividend equivalent units, each converting into an equal number of common shares.
These derivative exercises delivered common stock, including 12,509 shares of common stock reported as acquired in a single transaction. In a separate transaction coded “F,” 3,712 common shares at $10.97 per share were withheld to cover tax liabilities. Following these transactions, Adler directly holds 95,283 shares of American Coastal common stock.
American Coastal Insurance Corp Chief Operating Officer Christopher Griffith exercised several equity awards tied to the company’s common stock. He converted performance stock units, restricted stock units, and dividend equivalent units into common shares, including an exercise of 14,294 shares of common stock.
To cover tax obligations on these awards, 4,241 common shares were withheld in a tax-withholding transaction, rather than sold in the open market. After these transactions, Griffith directly owns 113,075 shares of American Coastal common stock. The awards vest over three years, with payouts linked to performance and dividend equivalents vesting in step with the underlying units.
American Coastal Insurance Corp’s Chief Financial Officer Svetlana Castle exercised and converted several equity awards into common stock on April 3, 2026. She acquired shares through performance stock units, restricted stock units, and dividend equivalent units, then used a portion of the resulting stock to cover taxes.
Castle exercised or converted a total of 7,371 stock units into common stock at a stated exercise price of $0.00 per share, and 9,829 shares of common stock are shown as acquired in a related non-derivative entry. To satisfy tax obligations, 3,934 common shares were withheld in a tax-withholding disposition at $10.97 per share. After these transactions, she directly holds 11,096 shares of common stock, indicating a routine compensation-related vesting and tax-settlement event rather than an open-market trade.
American Coastal Insurance Corporation is holding its 2026 annual stockholder meeting virtually on May 26, 2026, at 1:00 p.m. Eastern via live webcast. Stockholders of record on March 27, 2026, may vote online, by phone or by mail.
Stockholders are asked to elect five Class B directors, including new nominee Deirdre A. Brown, and to ratify Deloitte & Touche LLP as independent auditor for 2026. The Board is majority independent, operates through audit, compensation, nominating and investment committees, and uses majority voting in uncontested director elections.
The proxy details strong 2025 results, including net revenues from continuing operations of $335.4 million and income from continuing operations of $106.8 million, with a 60.1% combined ratio and 36.2% return on average equity. Executive pay is heavily performance-based, using an Annual Incentive Plan and long-term equity awards tied to return on equity versus a peer group.
American Coastal Insurance Corp director Michael Kern Davis reported small open-market purchases of company stock for family accounts. On March 20, 2026, he bought 100 shares of Common Stock at $11.05 per share in an account held by his first child and another 100 shares at the same price in an account held by his second child, both reported as indirect ownership. After these transactions, each child’s account held 4,626 shares, while Davis directly owned 299,564 shares of Common Stock, making these family purchases modest relative to his overall position.
American Coastal Insurance Corp director Michael Kern Davis reported small open-market purchases of common stock held for family members. On March 18–19, he bought a total of 800 shares indirectly, in four 200-share trades, at prices between $11.12 and $11.25 per share for accounts labeled “First Child” and “Second Child.” Following these trades, indirect holdings shown total 4,526 shares, while a separate direct holding entry lists 299,564 shares, indicating these buys are modest relative to his overall reported position.
American Coastal Insurance Corp director Michael Kern Davis reported open-market purchases of a total of 1,400 shares of Common Stock of ACIC on March 4, 2026 at $11.71 per share. The shares are held in accounts in the names of his children, over which he has trading authority and may be deemed to have indirect beneficial ownership.
Following these transactions, Davis' indirect holdings in these child accounts were 4,126 shares, and a separate entry shows he directly held 299,564 shares of Common Stock. These transactions reflect additional indirect exposure rather than a reduction in his overall position.
American Coastal Insurance Corporation files its annual report describing a Florida-focused commercial property and casualty business written through subsidiary AmCoastal. All premiums and policies are concentrated in Florida, exposing results to that state’s regulatory, legal and severe weather environment.
In 2025 the company sold Interboro Insurance Company for $25.679 million cash, recognizing small disposal and investment losses in discontinued operations. AmCoastal holds Demotech A and Kroll A- financial strength ratings and reported a risk-based capital ratio of 1,757% as of December 31, 2025.
The report highlights a strategy centered on condominium, apartment and assisted living risks, heavy reliance on managing general agent AmRisc, and extensive use of reinsurance and catastrophe modeling. It also outlines ESG initiatives, a 68-employee workforce with increasing diversity, and detailed risk factors spanning climate, regulation, reinsurance, technology, leverage and governance.
AMERICAN COASTAL INSURANCE Corp Chief Underwriting Officer Troy J. Crawford purchased 3,200 shares of common stock in an open‑market transaction. The shares were bought at an average price of $11.085 per share, bringing his directly held stake to 12,585 shares following the transaction.