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.
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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.
American Coastal Insurance Corporation reporting persons R. Daniel Peed and Peed FLP1, Ltd., L.L.P. beneficially own a combined 16,800,173 common shares, representing approximately 34.5% of the 48,746,722 shares outstanding. Mr. Peed directly holds 1,981,936 shares (~4.1%) and Peed FLP1 directly holds 11,876,563 shares (~24.4%), over which Mr. Peed shares voting and dispositive power. Mr. Peed also holds a voting proxy for 2,941,674 shares owned by Leah Anneberg Peed (~6.0%), increasing his ability to vote a larger block. This amendment updates prior Schedule 13D disclosures to reflect sales by Leah Anneberg Peed and clarifies ownership and voting arrangements.
Leah Anneberg Peed reports beneficial ownership of 2,941,674 shares of American Coastal Insurance Corp, equal to 6.0% of the class. The filing discloses that Ms. Peed has sole dispositive power over these shares but no sole voting power; a voting proxy dated August 2016 grants voting authority for her shares to R. Daniel Peed. The statement affirms the shares were not acquired to change or influence control of the issuer.
The filing is a routine Schedule 13G/A disclosure that quantifies a meaningful minority stake above the 5% reporting threshold and clarifies voting and disposition rights, providing transparency about who can direct votes and who controls sales of the position.
Q2 2025 highlights (continuing ops): net premiums earned rose 24 % YoY to $78.4 m; total revenue +26 % to $86.5 m. Expense growth held to 13 %, lifting pre-tax income 51 % to $37.6 m and net income 39 % to $26.4 m. Diluted EPS increased to $0.53 from $0.39. For H1, EPS is $0.96 (+10 %).
Margin & cost trends: Loss-ratio improved to 19.8 % (24.1 % prior) while G&A fell 35 % on lower legal/audit spend; policy acquisition costs jumped 74 % due to commission mix and one-off employee-tax-credit refunds.
Balance sheet: Cash & equivalents more than doubled to $407 m; unpaid losses fell 32 % to $219 m after the 1 Apr 2025 divestiture of Interboro Insurance. Stockholders’ equity climbed 24 % to $292 m, shrinking the retained-earnings deficit by $48 m.
Liquidity & capital: Operating cash flow was $154 m (-38 % YoY) but net cash rose $185 m from investment run-off and the Interboro proceeds. Core catastrophe reinsurance now gives $1.33 bn first-event cover with a $29.8 m retention; a new $40 m aggregate layer limits 2025 frequency risk.
Strategic focus: With discontinued personal-lines operations sold, ACIC now reports a single Florida commercial-residential segment supported by quota-share and captive reinsurance structures.