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 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 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.