Every 8-K that American Integrity Insurance Group, Inc. (AII) 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 AII 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 AII filings page.
American Integrity Insurance Group, Inc. (AII) furnished an investor presentation highlighting strong second-quarter 2026 growth and profitability, alongside strategic expansion initiatives, primarily in the Florida residential property market. For the three months ended June 30, 2026, total revenues were $115.2 million and net income was $34.1 million, with adjusted net income of $34.9 million and an adjusted return on equity of 39.6%.
Net premiums earned rose to $104.7 million from $66.2 million a year earlier, while the combined ratio improved to 63.4% from 72.9%, reflecting better underwriting performance. Policies in-force reached 462,000, up 16% year over year, and gross premiums written for the first half of 2026 were $547 million. The company reports 40% adjusted ROE and $1.78 adjusted EPS, and total shareholders’ equity increased to $369.5 million with book value per share of $18.86 as of June 30, 2026. Management emphasizes voluntary organic growth in Florida (including Tri-County and middle-aged homes), new commercial residential products, regional expansion into Georgia and the Carolinas, reduced non-catastrophe quota share, and a fully placed 2026–2027 catastrophe reinsurance program with lower risk-adjusted pricing. The presentation also details a conservative, investment-grade fixed income portfolio totaling $698 million in cash and investments and provides non-GAAP reconciliations for adjusted net income, adjusted ROE, underwriting income, and loss ratios.
American Integrity Insurance Group, Inc. reported strong second quarter 2026 results with record profitability and policy growth. Net income was $34.1 million, up 24.2% year over year, or $1.74 per diluted share. Adjusted net income was $34.9 million, up 11.4%. Net premiums earned rose 58.2% to $104.7 million, while total revenues increased 54.6% to $115.2 million. Underwriting performance improved, with a combined ratio of 63.4% versus 72.9% a year earlier, and return on equity of 38.7% (adjusted 39.6%).
Policies in-force reached 461,714, up 15.7% year over year, with notable voluntary growth in Florida’s Tri-County region and middle-aged homes. Book value per share was $18.86, up 22.3% from June 30, 2025. The company renewed its catastrophe excess-of-loss reinsurance program effective June 1, 2026, securing $3 billion of third-party catastrophe coverage at an estimated total cost of $430–$440 million, benefiting from risk-adjusted rate decreases at the upper end of the 15–20% decline range and a lower aggregate retention.
For the first six months of 2026, total revenues grew 40.8% to $206.1 million, but net income declined 17.6% to $54.1 million as the combined ratio rose to 68.5% from 58.1%, reflecting higher losses and expenses over the period.
American Integrity Insurance Group, Inc. reported the results of its annual stockholder meeting held on June 11, 2026. Stockholders elected Steven Smathers as a Class I director for a three-year term ending at the 2029 annual meeting.
They also ratified Forvis Mazars, LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2026, and approved on an advisory basis the compensation of the named executive officers. In the advisory vote on how often to hold future say‑on‑pay votes, stockholders favored a three-year frequency, and the board has adopted that schedule until the next frequency vote expected in 2029.
American Integrity Insurance Group, Inc. has fully placed its 2026-2027 indemnity-based catastrophe excess of loss reinsurance program for its subsidiary, American Integrity Insurance Company. The program increases total third-party excess of loss reinsurance limit to $2.99 billion and is designed to protect against multiple severe events.
The reinsurance structure provides $2.2 billion of third-party coverage for a single catastrophic event and combines traditional reinsurers, Insurance Linked Securities investors, the Florida Hurricane Catastrophe Fund and the company’s captive reinsurer. Net consolidated catastrophe reinsurance premiums ceded to third parties for the 2026 treaty year are expected to total $430–$440 million.
Management notes favorable market conditions, helped by a healthy reinsurance market, Florida legislative reforms and limited recent storm activity. Market observers have cited up to 20% reductions in risk-adjusted pricing, and the company believes its renewal is consistent with this trend while also reducing its net retention exposure.
American Integrity Insurance Group, Inc. furnished an investor presentation outlining recent growth, profitability and capital strength. For 2025, the company generated gross premiums written of $944.6 million, net premiums earned of $242.9 million and adjusted net income of $105.2 million, producing a 63.7% combined ratio and 42.1% adjusted return on equity.
For the quarter ended March 31, 2026, net premiums earned were $82.2 million with adjusted net income of $20.1 million and a 75.0% combined ratio, equating to 23.9% adjusted ROE and $1.02 net income per diluted share. The presentation also highlights 14% year-over-year growth in policies in force to 437,000, strong voluntary policy growth, a special cash dividend of $20.0 million, and a catastrophe reinsurance tower providing up to $1.97 billion of first-event protection with tightly managed retentions.
American Integrity Insurance Group, Inc. reported first quarter 2026 results, with total revenues of $90.9 million and net income of $19.9 million, down from $38.1 million a year earlier. Diluted earnings per share were $1.02, compared to $2.78 in the first quarter of 2025.
Net premiums earned rose 25.7% to $82.2 million and policies in-force increased 14.1% to 437,308, reflecting growth in the voluntary market. The combined ratio worsened to 75.0% from 42.9%, as loss and expense ratios both increased following reduced reinsurance cessions and lower Citizens take-out windfalls.
Return on equity was 23.7%, with adjusted return on equity of 23.9%. The company paid a $20.0 million special cash dividend in the quarter, leaving shareholders’ equity at $335.5 million as of March 31, 2026.
American Integrity Insurance Group, Inc. appoints Brian Foley as Chief Financial Officer, effective April 6, 2026, succeeding Ben Lurie, who voluntarily resigns as CFO and transitions to a one-year consulting role.
Foley’s employment agreement provides a $600,000 annual base salary, eligibility for an annual cash bonus of up to $400,000, and annual long-term equity awards under the 2025 Long-Term Incentive Plan. He also receives a 2026 long-term equity grant with a target value of $250,000 in time-based and performance-based restricted stock units, plus a $120,000 sign-on cash bonus.
Lurie’s consulting agreement runs through April 6, 2027 and pays an annual consulting fee of $300,000. He is also eligible for a one-time $800,000 initial public offering success cash bonus and continued vesting of 6,682 time-based and 12,665 performance-based restricted stock units, subject to existing award terms.
American Integrity Insurance Group, Inc. scheduled its first annual meeting of stockholders for Thursday, June 11, 2026. Stockholders of record as of April 13, 2026 will be entitled to receive notice of and vote at the meeting.
Stockholder proposals for inclusion in the company’s proxy materials under Rule 14a-8, as well as other proposals or director nominations under the bylaws and universal proxy Rule 14a-19, must be delivered to the Secretary at the Tampa, Florida address by March 12, 2026.
American Integrity Insurance Group, Inc. furnished a year-end 2025 investor presentation summarizing strong growth and profitability. For 2025, gross premiums written reached $944.6M and net premiums earned were $242.9M, both up sharply from 2024, while adjusted net income rose to $105.2M from $39.6M.
The company reported a combined ratio of 63.7% and an adjusted return on equity of 42.1%, reflecting improved underwriting and expense performance. Policies in-force grew to 422,000, supported by voluntary growth and Citizens takeouts, and shareholders’ equity increased to $337.0M as of December 31, 2025.
American Integrity Insurance Group, Inc. reported a sharp improvement in 2025 profitability and announced a special cash dividend. Net income rose to $99.6M for 2025, up from $39.7M in 2024, with diluted EPS increasing to $5.65. The full-year combined ratio improved to 63.7% from 80.9%, while return on equity increased to 39.9%. Policies in-force grew 18.5% to 421,866 and gross premiums earned rose 29.7% to $885.0M. The Board declared a one-time special cash dividend of $1.02 per share, totaling about $20M, payable on March 30, 2026 to stockholders of record on March 16, 2026.
American Integrity Insurance Group, Inc. reported new equity awards for senior leadership under its 2025 Long-Term Incentive Plan. On December 4, 2025, the Compensation Committee granted time-based restricted stock units (RSUs) to four executives: 22,266 RSUs to Chief Executive Officer Robert Ritchie, 11,719 RSUs to President Jon Ritchie, 9,375 RSUs to Chairman David Clark, and 3,516 RSUs to Chief Financial Officer Ben Lurie.
The RSUs are standard stock-based compensation intended to align executives with shareholder interests. They vest in three equal annual installments on May 7, 2026, 2027 and 2028, and each executive must remain employed through the applicable vesting date to receive the shares.
American Integrity Insurance Group, Inc. furnished an update on its recent performance by providing a press release with financial results for the quarter ended September 30, 2025. The company reported these quarterly results through a press release dated November 11, 2025, which is attached as an exhibit. The information in this report, including the press release, is being treated as furnished rather than filed under securities laws, which affects how it may be used in other regulatory documents.
American Integrity Insurance Group, Inc. appointed Steve W. Biggs as its chief accounting officer, who will also serve as the company’s principal accounting officer. His appointment was approved by the Board of Directors on September 17, 2025 and becomes effective on September 22, 2025, with an annual base salary of $300,000.
Mr. Biggs, age 52, brings prior leadership experience from Horace Mann Educators Corporation, Embark Insurance Company, Allstate Insurance Company, CNA Financial and Ernst & Young. The company states there are no special arrangements leading to his appointment, no family relationships with existing directors or executive officers, and no related-party transactions requiring disclosure under Regulation S-K Item 404(a).
American Integrity Insurance Group, Inc. furnished an investor presentation that it plans to use in meetings with investors and analysts, including a presentation on September 4, 2025. The slides, filed as Exhibit 99.1, provide summary information meant to be read together with the company’s other SEC filings and public announcements. The company notes it has no obligation to update the presentation, and clarifies that the materials are furnished rather than filed, so they are not subject to certain Exchange Act liabilities or automatically incorporated into other securities filings.
American Integrity Insurance Group, Inc. filed a current report to furnish a press release announcing its financial results for the quarter ended June 30, 2025. The company states that it issued this press release on August 12, 2025, and has included it as Exhibit 99.1.
The company clarifies that the information in this report, including Exhibit 99.1, is being furnished rather than filed, which limits how it is treated under certain liability provisions of the federal securities laws and for incorporation by reference into other SEC filings.