Welcome to our dedicated page for American Integrity Insurance Group SEC filings (Ticker: AII), 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 Integrity Insurance Group, Inc. filings document the public-company reporting record of an emerging growth property and casualty insurer focused on residential property insurance. Its registration statement and related disclosures cover the IPO, corporate contribution, common-stock structure, historical financial statements, operating results, shareholder equity and insurance-business risks.
Material-event reports include results of operations, Regulation FD investor materials, special dividend disclosure, equity awards under the 2025 Long-Term Incentive Plan and annual-meeting timing. Proxy materials describe director elections, stockholder voting matters, executive compensation, governance practices and audited financial statements for the completed fiscal year.
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. is a Florida-focused residential property insurer that has grown into one of the state’s largest writers of homeowners coverage. Through its carrier subsidiary, it insures single-family homes, condos, manufactured homes, rentals, vacant dwellings and commercial residential properties, primarily in Florida but also in Georgia, South Carolina and North Carolina.
As of December 31, 2025, the company had 421,866 policies in-force and gross premiums written of $944.6 million, with Florida representing 93.7% of policies and 96.5% of in-force premium. Net premiums written were $270.9 million, net income was $99.6 million, adjusted net income was $105.2 million, and shareholders’ equity was $337.0 million.
The business relies on disciplined, data-driven underwriting, a fully integrated claims operation and a large catastrophe reinsurance program that limits single-event net retention to $35 million. It distributes mainly through independent agents, national carrier partnerships and homebuilder-affiliated agencies, and selectively assumes policies from Citizens Property Insurance Corporation when they meet profitability criteria.
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. received an amended ownership report showing that James E. Sowell and Sowell Investments Holding Co., LLC together beneficially own 4,473,824 shares of common stock. This equals 22.9% of the company’s common shares, with sole voting and dispositive power over all reported shares.
The percentage is based on 19,576,804 common shares outstanding as of November 17, 2025, as referenced from the company’s Form S-1. The filing confirms Sowell’s role as sole manager of Sowell Investments Holding Co., LLC, through which the shares are held.
American Integrity Insurance Group, Inc. disclosed that individual investor Robert C. Ritchie beneficially owns 2,394,946 shares of its common stock. This represents 12.2% of the company’s outstanding common shares as of a reference total of 19,576,804 shares.
Ritchie reports sole voting and sole dispositive power over all 2,394,946 shares, with no shared voting or investment authority. The ownership relates to common stock with CUSIP 026948109, and the filing reflects an ownership position as of an event dated December 31, 2025.
Boston Partners has disclosed a 6.07% passive stake in American Integrity Insurance Group, Inc. The investment adviser reports beneficial ownership of 1,189,292 shares of American Integrity’s common stock as of 12/31/2025, with sole voting and sole dispositive power over all of these shares and no shared power. The shares are held in discretionary accounts for certain clients, and Boston Partners states that no other person has rights to dividends or sale proceeds for more than 5% of the class. The firm certifies that the position was acquired and is held in the ordinary course of business and not for the purpose of changing or influencing control of the company.
American Integrity Insurance Group, Inc. reported that one of its directors received a grant of restricted common stock as part of director compensation. On 12/31/2025, the director acquired 735 shares of common stock at a price of $0 under the company’s 2025 Long-Term Incentive Plan. Following this grant, the director beneficially owns 174,149 shares of common stock directly.
The restricted shares are subject to a 90-day lock-up under an agreement with the underwriters related to a recent public offering of the company’s securities, meaning they cannot be sold during that period.
American Integrity Insurance Group, Inc. director Ernest N. Csiszar reported receiving restricted stock as director compensation. On 12/31/2025, he acquired 735 shares of common stock at a price of $0, bringing his total beneficial ownership to 2,348 shares, held directly. These shares were granted under the American Integrity Insurance Group, Inc. 2025 Long-Term Incentive Plan and are subject to a 90-day lock-up under a lock-up agreement with the underwriters in connection with a recent public offering of the company’s securities.
American Integrity Insurance Group, Inc. director Steven B. Mathis reported receiving an equity grant in the form of company stock. On 12/31/2025, he acquired 735 shares of common stock, recorded as an "A" transaction, at a reported price of $0, reflecting a restricted stock award rather than an open-market purchase. Following this grant, he beneficially owns 2,348 shares held directly.
The filing notes that these 735 shares represent restricted stock granted as director compensation under the company’s 2025 Long-Term Incentive Plan. The shares are subject to a 90-day lock-up under a lock-up agreement with underwriters that was entered into in connection with a recent public offering of the company’s securities, limiting Mathis’s ability to sell the awarded shares during that period.
American Integrity Insurance Group, Inc. insider James E. Sowell reported a sale of common stock in an underwritten public offering. On 12/05/2025, 295,037 shares of common stock were sold at a net price of $19.00 per share following the underwriters’ exercise of their option to purchase additional shares. After this transaction, 4,473,824 shares of common stock are reported as beneficially owned indirectly through Sowell Investments Holding Co., LLC, where Sowell is the sole manager. The reporting persons state that they may be deemed beneficial owners or part of a group for securities law purposes but formally disclaim such beneficial ownership and group status beyond their pecuniary interest.