Schedule 13G: Ritchie Owns 2.93M Shares (15%) of AII

Rhea-AI Filing Summary

Robert C. Ritchie reports beneficial ownership of 2,929,500 shares of American Integrity Insurance Group, Inc. common stock, representing 15.0% of the class based on 19,571,965 shares outstanding as reported in the company's quarterly report. The filing states Mr. Ritchie has sole voting and sole dispositive power over all reported shares.

The disclosure is submitted on a Schedule 13G and the form indicates no group affiliation and no holdings on behalf of another person (Items 6–9 described as Not Applicable). The statement does not provide further detail on how or when the shares were acquired.

Positive

• Material disclosure: Reporting of 2,929,500 shares (15.0%) of American Integrity common stock provides clear, quantifiable ownership information.
• Sole control: The filing states sole voting power and sole dispositive power over all reported shares.
• No third-party holdings: Items 6–9 are listed as Not Applicable, indicating the shares are not reported as held on behalf of another person or as part of a group.

Negative

• None.

Insights

Financial Analyst

TL;DR: An individual reports a material 15% stake with sole voting and dispositive power—material ownership but no disclosed plans or group affiliation.

The filing shows Robert C. Ritchie beneficially owns 2,929,500 shares, equal to 15.0% of the reported 19,571,965 outstanding shares used for the percent calculation. The report lists sole voting and dispositive power and marks Items 6–9 as Not Applicable, indicating the position is not reported as held on behalf of another person nor as part of a group. As a Schedule 13G disclosure, the filing provides transparency on concentrated ownership without announcing any change in corporate strategy or intentions from the holder.

Corporate Governance Expert

TL;DR: A 15% single-owner stake with sole control of votes is governance-significant; the filing contains no stated intent to act in concert or to seek control.

A 15.0% holding by one individual is a material ownership position that can influence shareholder votes or board dynamics. The Schedule 13G indicates that Mr. Ritchie reports exclusive voting and dispositive authority over these shares and that there is no group affiliation disclosed. The form does not state any planned transactions, nominations, or proxy solicitations, and it does not disclose whether the stake was accumulated recently or over time.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

American Integrity Insurance Group, Inc.

(Name of Issuer)

Common Stock

(Title of Class of Securities)

026948109

(CUSIP Number)

06/30/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 026948109

1

Names of Reporting Persons

Robert C. Ritchie

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 2,929,500.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 2,929,500.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,929,500.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

15.0 %

12

Type of Reporting Person (See Instructions)

IN

Comment for Type of Reporting Person: The percent ownership calculated in Item 11 is based upon an aggregate of 19,571,965 shares of common stock, par value $0.001 per share of American Integrity Insurance Group, Inc. reported as outstanding as of August 13, 2025 by American Integrity Insurance Group, Inc. in its quarterly report on Form 10-Q for the period ended June 30, 2025.

SCHEDULE 13G

Item 1.
(a)	Name of issuer: American Integrity Insurance Group, Inc.
(b)	Address of issuer's principal executive offices: 5426 Bay Center Drive, Suite 600, Tampa, Florida 33609
Item 2.
(a)	Name of person filing: Robert C. Ritchie
(b)	Address or principal business office or, if none, residence: 5426 Bay Center Drive, Suite 600, Tampa, Florida 33609
(c)	Citizenship: United States
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 026948109
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 2,929,500
(b)	Percent of class: 15.0 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 2,929,500
	(ii) Shared power to vote or to direct the vote: 0
	(iii) Sole power to dispose or to direct the disposition of: 2,929,500
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.	Certifications:
	Not Applicable

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Robert C. Ritchie

Signature:	/s/ Robert C. Ritchie
Name/Title:	Robert C. Ritchie
Date:	08/13/2025

FAQ

What stake in American Integrity (AII) does Robert C. Ritchie report?

Robert C. Ritchie reports beneficial ownership of 2,929,500 shares, representing 15.0% of the common stock used in the filing's percent calculation.

Does Robert C. Ritchie have voting control over the shares reported in the Schedule 13G?

Yes. The filing states Mr. Ritchie has sole voting power and sole dispositive power over the 2,929,500 shares.

Is the 15.0% ownership based on a company-reported share count?

Yes. The percent is calculated using an aggregate of 19,571,965 shares reported outstanding by the company in its quarterly report for the period ended June 30, 2025.

Does the filing indicate the shares are held on behalf of another person or as part of a group?

No. Items relating to holdings on behalf of another and group membership are listed as Not Applicable in the filing.

Does the Schedule 13G disclose the purpose of the investment or planned actions?

No. The filing does not provide statements of intent, planned transactions, or other purposes for the reported ownership.

Who signed the Schedule 13G for this disclosure?

The signature block shows the filing was signed by Robert C. Ritchie as the reporting person.