Overview
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- TickerAII on NYSE1
- IndustryFire, Marine & Casualty Insurance1
- HeadquartersTampa, Florida1
- Business address3000 Bayport Drive, Suite 500, Tampa, Fl 336072
- Filer category, Emerging growth company2
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Florida has a large and growing population with a growing residential property insurance market. According to the U.S.4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
36.0%Net margin5
35.3%Revenue growth, 20255
29.6%Return on equity5
0.00×Debt to equity5
$133.2MFree cash flow5
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs58¢$161.4M
- Income tax6¢$15.4M
- Profit36¢$99.6M
Out of $276.5M in revenue.5
Where each dollar of operating cash went, fiscal 2025
- Capital spending4¢$5.0M
- Kept or used elsewhere96¢$133.2M
Out of $138.2M of cash from operations.5
Financial statements
Every line of the income statement as filed: the last 2 fiscal years (annual) or 8 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Gross premiums written | $944.6M | $767.7M |
| Change in gross unearned premiums | -$59.7M | -$85.5M |
| Gross premiums earned | $885.0M | $682.2M |
| Ceded premiums earned | -$642.0M | -$500.2M |
| Net premiums earned | $242.9M | $182.1M |
| Policy fees | $10.4M | $7.4M |
| Net investment income | $21.7M | $14.2M |
| Net realized gains on investments | $569.0K | $119.0K |
| Other income | $892.0K | $607.0K |
| Total revenues | $276.5M | $204.4M |
| Losses and loss adjustment expenses, net | $98.0M | $90.8M |
| Policy acquisition expenses | $21.4M | $31.5M |
| General and administrative expenses | $41.9M | $31.0M |
| Total expenses | $161.4M | $153.3M |
| Income before income taxes | $115.1M | $51.0M |
| Income tax expense | $15.4M | $11.3M |
| Net income | $99.6M | $39.7M |
| Unrealized holding gains on available-for-sale securities, net of taxes | $2.7M | $802.0K |
| Reclassification adjustment for net realized gains, net of taxes | -$425.0K | -$94.0K |
| Total other comprehensive income | $2.3M | $708.0K |
| Comprehensive income | $101.9M | $40.5M |
| Basic earnings per share (in dollars per share) | $5.65 | $2.95 |
| Diluted earnings per share (in dollars per share) | $5.65 | $2.95 |
| Weighted average shares outstanding - basic (in shares) | 17.2M shares | 12.9M shares |
| Weighted average shares outstanding - diluted (in shares) | 17.2M shares | 12.9M shares |
| Period ending | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|---|---|---|---|
| Net premiums earned | $59.4M | $52.0M | $66.2M | $65.4M | $61.8M | $40.5M | $40.5M | $39.3M |
| Net investment income | $5.9M | $6.9M | $4.8M | $4.1M | $3.8M | $3.8M | $3.4M | $3.2M |
| Total revenues | $68.1M | $62.0M | $74.5M | $71.9M | $67.1M | $46.5M | $46.4M | $44.3M |
| Total expenses | $38.8M | $43.3M | $50.4M | $29.0M | $56.4M | $40.0M | $25.9M | $31.0M |
| Net income | $20.9M | $13.2M | $27.5M | $38.1M | $8.4M | $4.5M | $14.7M | $12.1M |
| Basic earnings per share (in dollars per share) | $1.07 | $0.67 | $1.62 | $2.78 | $0.62 | $0.33 | $1.09 | $0.90 |
| Diluted earnings per share (in dollars per share) | $1.07 | $0.67 | $1.62 | $2.78 | $0.62 | $0.33 | $1.09 | $0.90 |
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2025-04-30 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|
| Fixed maturities, available-for-sale, at fair value (amortized cost of $327,910 and $214,505, respectively) | $330.5M | $214.0M | ||
| Short-term investments (amortized cost of $18,121 and $, respectively) | $18.1M | $0 | ||
| Total investments | $348.6M | $214.0M | ||
| Cash and cash equivalents | $203.9M | $173.2M | ||
| Restricted cash | $40.2M | $6.1M | ||
| Premiums receivable, net | $45.0M | $51.6M | ||
| Accrued investment income | $3.5M | $2.2M | ||
| Prepaid reinsurance premiums | $275.1M | $268.3M | ||
| Reinsurance recoverable, net | $269.1M | $462.1M | ||
| Property and equipment, net | $5.7M | $1.8M | ||
| Right-of-use assets operating leases | $449.0K | $2.5M | ||
| Deferred income tax asset, net | $8.6M | $0 | ||
| Other assets | $24.9M | $16.4M | ||
| Total assets | $1.2B | $1.2B | ||
| Unpaid losses and loss adjustment expenses | $266.6M | $475.7M | $279.4M | |
| Income tax payable | $2.7M | $11.9M | ||
| Unearned premiums | $481.6M | $421.9M | ||
| Reinsurance payable | $78.5M | $56.3M | ||
| Advance premiums | $11.8M | $6.6M | ||
| Deferred income tax liability, net | $0 | $1.1M | ||
| Long-term debt | $618.0K | $1.0M | ||
| Lease liabilities operating leases | $458.0K | $2.6M | ||
| Deferred policy acquisition costs, net of unearned ceding commissions | $12.9M | $31.9M | ||
| Other liabilities and accrued expenses | $33.0M | $26.7M | ||
| Total liabilities | $888.1M | $1.0B | ||
| Common stock, $0.001 par value, 100,000,000 shares authorized, 19,579,009 shares issued and outstanding at December 31, 2025 and 12,904,495 shares issued and outstanding at December 31, 2024 | $20.0K | $13.0K | ||
| Additional paid-in capital | $105.9M | $10.3M | ||
| Accumulated other comprehensive income (loss), net of taxes | $1.9M | -$327.0K | ||
| Retained earnings | $229.2M | $152.4M | ||
| Total shareholders equity | $337.0M | $162.4M | $134.0M | |
| Total liabilities and shareholders equity | $1.2B | $1.2B | ||
| Fixed maturities, available-for-sale, at fair value, amortized cost | $346.0M | $214.5M | ||
| Common stock, par value (in dollars per share) | $0.00 | $0.00 | $0.00 | |
| Common stock, shares authorized (in shares) | 100.0M shares | 100.0M shares | ||
| Common stock, shares issued (in shares) | 19.6M shares | 12.9M shares | 12.9M shares | |
| Common stock, shares outstanding (in shares) | 19.6M shares | 12.9M shares |
| Period ending | 2025-12-31 | 2025-04-30 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|---|
| Fixed maturities, available-for-sale, at fair value (amortized cost of $327,910 and $214,505, respectively) | $330.5M | $214.0M | ||
| Short-term investments (amortized cost of $18,121 and $, respectively) | $18.1M | $0 | ||
| Total investments | $348.6M | $214.0M | ||
| Cash and cash equivalents | $203.9M | $173.2M | ||
| Restricted cash | $40.2M | $6.1M | ||
| Premiums receivable, net | $45.0M | $51.6M | ||
| Accrued investment income | $3.5M | $2.2M | ||
| Prepaid reinsurance premiums | $275.1M | $268.3M | ||
| Reinsurance recoverable, net | $269.1M | $462.1M | ||
| Property and equipment, net | $5.7M | $1.8M | ||
| Right-of-use assets operating leases | $449.0K | $2.5M | ||
| Deferred income tax asset, net | $8.6M | $0 | ||
| Other assets | $24.9M | $16.4M | ||
| Total assets | $1.2B | $1.2B | ||
| Unpaid losses and loss adjustment expenses | $266.6M | $475.7M | $279.4M | |
| Income tax payable | $2.7M | $11.9M | ||
| Unearned premiums | $481.6M | $421.9M | ||
| Reinsurance payable | $78.5M | $56.3M | ||
| Advance premiums | $11.8M | $6.6M | ||
| Deferred income tax liability, net | $0 | $1.1M | ||
| Long-term debt | $618.0K | $1.0M | ||
| Lease liabilities operating leases | $458.0K | $2.6M | ||
| Deferred policy acquisition costs, net of unearned ceding commissions | $12.9M | $31.9M | ||
| Other liabilities and accrued expenses | $33.0M | $26.7M | ||
| Total liabilities | $888.1M | $1.0B | ||
| Common stock, $0.001 par value, 100,000,000 shares authorized, 19,579,009 shares issued and outstanding at December 31, 2025 and 12,904,495 shares issued and outstanding at December 31, 2024 | $20.0K | $13.0K | ||
| Additional paid-in capital | $105.9M | $10.3M | ||
| Accumulated other comprehensive income (loss), net of taxes | $1.9M | -$327.0K | ||
| Retained earnings | $229.2M | $152.4M | ||
| Total shareholders equity | $337.0M | $162.4M | $134.0M | |
| Total liabilities and shareholders equity | $1.2B | $1.2B | ||
| Fixed maturities, available-for-sale, at fair value, amortized cost | $346.0M | $214.5M | ||
| Common stock, par value (in dollars per share) | $0.00 | $0.00 | $0.00 | |
| Common stock, shares authorized (in shares) | 100.0M shares | 100.0M shares | ||
| Common stock, shares issued (in shares) | 19.6M shares | 12.9M shares | 12.9M shares | |
| Common stock, shares outstanding (in shares) | 19.6M shares | 12.9M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $99.6M | $39.7M |
| Stock-based compensation expense | $10.6M | $0 |
| Amortization and depreciation | $2.3M | $2.8M |
| Deferred income taxes | -$10.5M | -$2.1M |
| Net realized gains on investments | -$569.0K | -$119.0K |
| Premiums receivable | $6.6M | -$14.8M |
| Accrued investment income | -$1.3M | -$479.0K |
| Prepaid reinsurance premiums | -$6.8M | -$42.3M |
| Reinsurance recoverable | $193.0M | -$136.8M |
| Other assets | -$8.5M | -$8.0M |
| Unpaid losses and loss adjustment expense | -$209.1M | $196.3M |
| Unearned premiums | $59.7M | $88.1M |
| Reinsurance payable | $22.2M | -$4.7M |
| Advance premiums | $5.2M | -$4.1M |
| Income taxes payable (recoverable) | -$9.2M | $12.6M |
| Operating lease payments | -$2.3M | -$2.1M |
| Deferred policy acquisition costs, net unearned ceding commissions | -$19.0M | $31.9M |
| Other liabilities and accrued expenses | $6.4M | -$7.1M |
| Net cash provided by operating activities | $138.2M | $148.9M |
| Purchases of property and equipment | -$5.0M | -$1.3M |
| Proceeds from sales and maturities of fixed maturity securities | $120.3M | $83.2M |
| Purchases of fixed maturity securities | -$232.5M | -$103.2M |
| Proceeds from sales and maturities of short-term investments | $15.1M | $2.0M |
| Purchases of short-term investments | -$33.0M | $0 |
| Net cash used in investing activities | -$135.1M | -$19.4M |
| Proceeds from initial public offering, net of underwriting discounts and commissions | $93.0M | $0 |
| Payments on tax withheld on vesting of restricted stock awards | -$3.8M | $0 |
| Cash distributions to members | -$22.9M | -$12.0M |
| Repayment of long-term debt | -$411.0K | -$412.0K |
| Payments of initial public offering costs | -$4.2M | $0 |
| Net cash from provided by (used in) financing activities | $61.7M | -$12.4M |
| Net increase in cash, cash equivalents and restricted cash | $64.8M | $117.1M |
| Interest paid | $27.0K | $65.0K |
| Income taxes paid | $35.3M | $1.0M |
No quarter-by-quarter statement was filed.
Compare American Integrity Insurance Group, Inc. with another company
Corporate structure
American Integrity Insurance Group, Inc. sits at the top of its group. 6 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of American Integrity Insurance Group, Inc.
- Boston Partners Filed SCHEDULE 13G/A on American Integrity Insurance Group, Inc., latest May 14, 2026 (3 filings since Nov 3, 2025)
- WASATCH ADVISORS LP Filed SCHEDULE 13G on American Integrity Insurance Group, Inc., latest Apr 22, 2026
- James E. Sowell Filed SCHEDULE 13G/A on American Integrity Insurance Group, Inc., latest Feb 17, 2026 (2 filings since Aug 13, 2025)
- Robert C. Ritchie Filed SCHEDULE 13G/A on American Integrity Insurance Group, Inc., latest Feb 17, 2026 (2 filings since Aug 13, 2025)
- American Integrity Insurance Group, Inc. Tampa, Florida
- American Integrity Claims Services, LLC Subsidiary · Texas, United States
- American Integrity Insurance Company Subsidiary · Florida, United States
- American Integrity MGA, LLC Subsidiary · Texas, United States
- Pinnacle Analytics, LLC Subsidiary · Texas, United States
- Pinnacle Insurance Consultants, LLC Subsidiary · Nevada, United States
Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What American Integrity Insurance Group, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $12.8M5 Dec 31, 2025 | $19.9M5 Dec 31, 2024 | −35.5% |
| Accumulated depreciation | $7.1M5 Dec 31, 2025 | $18.1M5 Dec 31, 2024 | −60.6% |
| Property and equipment, net | $5.7M5 Dec 31, 2025 | $1.8M5 Dec 31, 2024 | +210.3% |
| Operating-lease assets (leased space) | $449.0K5 Dec 31, 2025 | $2.5M5 Dec 31, 2024 | −82.0% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $203.9M5 Dec 31, 2025 | $173.2M5 Dec 31, 2024 | +17.7% |
| Marketable securities, current | $18.1M5 Dec 31, 2025 | $05 Dec 31, 2024 | |
| Debt securities available for sale | $330.5M5 Dec 31, 2025 | $214.0M5 Dec 31, 2024 | +54.4% |
Properties, in its own words
Our corporate offices and primary insurance operations are located in Tampa, FL where we occupy approximately 57,640
square feet of office space for annual rent and rent-related operating payments of approximately $2.4 million. The term of
The rest of Item 2
the lease expires in February 2026. On February 20, 2025, we entered into a 152-month lease agreement for approximately
75,000 square feet of new office space, where we will gain access to office suites in phases beginning in the first half of
2026. The asset has not been made available for use by us, and once made available for use, we will record the
corresponding right-of-use asset and lease liability. We will pay approximately $45.7 million over the term of the lease. We
believe that our facilities are adequate for our current needs. We currently do not own any real property.
Item 2 of the 10-K filed Feb 27, 2026.4
Leadership
Who has led American Integrity Insurance Group, Inc., and when. Pick a name to see everywhere that person has worked.
- Chief executive officerRobert C. Ritchie May 7, 2025 to now8
- Chief financial officerBrian Foley Apr 8, 2026 to now9
Board members and other officers (5)
- Chief Accounting OfficerSteve W. Biggs Oct 1, 2025 to now10
- Board memberErnest N. Csiszar May 7, 2025 to now11
- Board memberRobert C. Ritchie May 7, 2025 to now8
- Board memberSteven B. Mathis May 7, 2025 to now12
- Board memberSteven E. Smathers May 7, 2025 to now13
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- American Integrity Claims Services, LLC Texas3
- American Integrity Insurance Company Florida3
- American Integrity Insurance Group, LLC Texas3
- American Integrity MGA, LLC Texas3
- Pinnacle Analytics, LLC Texas3
- Pinnacle Insurance Consultants, LLC Nevada3
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Former names
- American Integrity Insurance Group, LLCMar 25, 2025 to Apr 14, 20252
Timeline
- Sep 8, 20268-K Regulation FD disclosure14
- Aug 11, 20268-K Results of operations; Regulation FD disclosure15
- Jun 12, 20268-K Shareholder vote16
- Jun 1, 20268-K Regulation FD disclosure17
- May 20, 20268-K Regulation FD disclosure18
- May 12, 20268-K Results of operations19
- Apr 6, 20268-K Executive or director change; Regulation FD disclosure20
- Mar 3, 20268-K Director nominations; Other events21
- Feb 27, 20268-K Regulation FD disclosure22
- Feb 24, 20268-K Results of operations23
- Dec 5, 20258-K Executive or director change24
- Nov 12, 20258-K Results of operations25
- May 7, 2025New chief executive Robert C. Ritchie becomes CEO8
Calendar
Coming up
- Nov 10, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.71 a share, on Nov 11, 2025.26
When it reported results
- Aug 11, 2026Reported quarterly or annual results15
- May 12, 2026Reported quarterly or annual results19
- Feb 24, 2026Reported quarterly or annual results23
- Nov 12, 2025Reported quarterly or annual results25
- Aug 12, 2025Reported quarterly or annual results27
- Jun 9, 2025Reported quarterly or annual results28
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
126 filings to the SEC since October 2021: 1 annual reports, 5 quarterly reports, 19 major events, 67 insider forms, 8 large holders, 26 other. The latest 20:
- Oct 15, 20264 EDGAR
- Oct 13, 20264 EDGAR
- Oct 2, 2026S-3 EDGAR
- Oct 1, 20264 EDGAR
- Oct 1, 20264 EDGAR
- Oct 1, 20264 EDGAR
- Sep 17, 20264 EDGAR
- Sep 8, 20268-K EDGAR
- Sep 2, 20264 EDGAR
- Sep 1, 20264 EDGAR
- Aug 28, 20264 EDGAR
- Aug 26, 20264 EDGAR
- Aug 24, 20264 EDGAR
- Aug 20, 20264 EDGAR
- Aug 18, 20264 EDGAR
- Aug 14, 20264 EDGAR
- Aug 13, 202610-Q EDGAR
- Aug 12, 20264 EDGAR
- Aug 11, 20268-K EDGAR
- Aug 10, 20264 EDGAR
The 126 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
33 open-market trades by officers, directors and large owners since October 2021: 6 buys and 27 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 31, 2026 | Ritchie Robert CChief Executive Officer | Sale | 9,174 | $25.92 | $237.8K | Form 4 |
| Aug 28, 2026 | Ritchie Robert CChief Executive Officer | Sale | 6,000 | $26.50 | $159.0K | Form 4 |
| Aug 27, 2026 | Ritchie Robert CChief Executive Officer | Sale | 10,000 | $26.35 | $263.5K | Form 4 |
| Aug 26, 2026 | Ritchie Robert CChief Executive Officer | Sale | 54,365 | $26.63 | $1.4M | Form 4 |
| Aug 25, 2026 | Ritchie Robert CChief Executive Officer | Sale | 65,000 | $26.29 | $1.7M | Form 4 |
| Aug 24, 2026 | Ritchie Robert CChief Executive Officer | Sale | 45,461 | $26.30 | $1.2M | Form 4 |
| Aug 21, 2026 | Ritchie Robert CChief Executive Officer | Sale | 24,614 | $25.68 | $632.2K | Form 4 |
| Aug 20, 2026 | Ritchie Robert CChief Executive Officer | Sale | 35,000 | $25.08 | $877.8K | Form 4 |
| Aug 19, 2026 | Ritchie Robert CChief Executive Officer | Sale | 6,000 | $25.24 | $151.4K | Form 4 |
| Aug 18, 2026 | Ritchie Robert CChief Executive Officer | Sale | 12,000 | $25.34 | $304.1K | Form 4 |
| Aug 17, 2026 | Ritchie Robert CChief Executive Officer | Sale | 55,000 | $24.92 | $1.4M | Form 4 |
| Aug 14, 2026 | Ritchie Robert CChief Executive Officer | Sale | 20,402 | $24.12 | $492.1K | Form 4 |
| Aug 13, 2026 | Ritchie Robert CChief Executive Officer | Sale | 50,000 | $23.65 | $1.2M | Form 4 |
| Aug 12, 2026 | Ritchie Robert CChief Executive Officer | Sale | 38,260 | $23.08 | $883.2K | Form 4 |
| Aug 10, 2026 | Ritchie Robert CChief Executive Officer | Sale | 5,800 | $20.72 | $120.2K | Form 4 |
| Aug 7, 2026 | Ritchie Robert CChief Executive Officer | Sale | 12,959 | $21.01 | $272.3K | Form 4 |
| Aug 6, 2026 | Ritchie Robert CChief Executive Officer | Sale | 36,965 | $20.83 | $770.0K | Form 4 |
| Aug 4, 2026 | Ritchie Robert CChief Executive Officer | Sale | 30,000 | $20.85 | $625.5K | Form 4 |
| Aug 3, 2026 | Ritchie Robert CChief Executive Officer | Sale | 33,000 | $20.68 | $682.4K | Form 4 |
| Jun 9, 2026 | Sowell Investments Holding Co., LLC10% owner | Buy | 79,497 | $16.85 | $1.3M | Form 4 |
All 33 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Boston PartnersSCHEDULE 13G/A, 3 filings Nov 3, 2025 to May 14, 202629
- WASATCH ADVISORS LPSCHEDULE 13G, 1 filing Apr 22, 202630
- James E. SowellSCHEDULE 13G/A, 2 filings Aug 13, 2025 to Feb 17, 202631
- Robert C. RitchieSCHEDULE 13G/A, 2 filings Aug 13, 2025 to Feb 17, 202632
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How American Integrity Insurance Group, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARAmerican Integrity Insurance Group, Inc.1
- CIK0002007587
- Employer ID (EIN)33-29258464
- Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company4
- Incorporated inDelaware4
- Fiscal year endsDecember 311
- Industry code (SIC)6331 Fire, Marine & Casualty Insurance1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address3000 Bayport Drive, Suite 500, Tampa, FL 336071
- Phone(813) 880-70001
- Shares outstanding19,593,427 as of Aug 13, 20267
- Public float$155.9M as of Jun 30, 20254
- AuditorForvis Mazars, LLP, Tampa, Florida PCAOB ID 686; no auditor attestation of internal control over financial reporting4
- On EDGAR sinceFeb 10, 20251
- Filings126 in all: 4 (57), 8-K (19), 3 (10), 10-Q (5), CORRESP (5), SCHEDULE 13G (4), SCHEDULE 13G/A (4), 424B4 (2)1
All 24 form types
DRS (2), EFFECT (2), S-1 (2), UPLOAD (2), 10-K (1), 144 (1), 8-A12B (1), ARS (1), CERT (1), DEF 14A (1), DEFA14A (1), DRS/A (1), DRSLTR (1), S-1/A (1), S-3 (1), S-8 (1)
- Latest filingsAnnual report (10-K) Feb 27, 2026
Quarterly report (10-Q) Aug 13, 2026
Proxy statement (DEF 14A) Apr 17, 2026
Latest 8-K (8-K) Sep 8, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, $0.001 par value | AII | New York Stock Exchange |
From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).4
Risk factors and legal proceedings
The risks American Integrity Insurance Group, Inc. names in Item 1A of its 10-K filed Feb 27, 2026: 77 risks under these headings, as written.4
- Risks Related to Our Business
- As a property and casualty insurer, we may face significant losses, and exposure to catastrophic events and severe
- weather conditions may cause our financial results to significantly vary from period to period.
- Our loss reserves are estimates and may be inadequate to cover our actual liability for losses, which could adversely
- affect our business.
- Because we conduct substantially all of our business in Florida, our financial results depend on the regulatory, legal,
- economic and weather conditions in Florida.
- Changing climate conditions may increase the severity and frequency of catastrophic events and severe weather
- conditions, which may adversely affect our business.
- Actual claims incurred have exceeded, and in the future may exceed, reserves established for claims, adversely affecting
- our operating results and financial condition.
- Lack of effectiveness of exclusions and other loss limitation methods in the insurance policies we assume or write could
The other 66 risks
- have a material adverse effect on our financial condition or results of operations.
- Because we rely on third-party distribution partners, including independent insurance agents, homebuilder-affiliated
- agents and national insurance carriers who restrict the amount of business they write in the states in which we operate,
- especially Florida, the loss of these relationships and the business they control or our inability to attract distribution
- partners could have an adverse impact on our business.
- Although we believe that recent legislative reforms have driven a stabilization of rates, our results may fluctuate based
- on cyclical changes in the insurance industry.
- We may pursue opportunities to participate in Citizens’ take-out programs and directly assume policies issued by
- Citizens to policyholders who were otherwise unable to obtain private insurance. Take-out opportunities are subject to a
- number of timing and execution risks, and we may fail to participate in Citizens’ take-out programs on terms that are
- ultimately profitable to us, or at all.
- Reinsurance coverage may not be available to us in the future at commercially reasonable rates, or at all.
- Reinsurance subjects us to the credit risk of our reinsurers who may suffer a downgrade, and we risk not being able to
- collect reinsurance amounts in a timely manner, or at all, due to us under our contracts with reinsurers, which could
- materially harm our business and financial condition.
- The failure of the risk mitigation strategies we utilize could have a material adverse effect on our financial condition or
- results of operations.
- The inherent uncertainty of models and our reliance on such models as a tool to evaluate risk may have an adverse
- effect on our financial results.
- Our success depends on our ability to accurately price the risks we underwrite, which is subject to uncertainty.
- Our information technology systems may fail or be disrupted, which could adversely affect our business.
- If we are unable to expand our business because our capital must be used to pay greater than anticipated claims, our
- financial results may suffer, and we may require additional capital in the future, which may not be available or may be
- available only on unfavorable terms.
- Unanticipated increases in the severity or frequency of claims could adversely affect our business or financial condition.
- If actual renewals of our existing policies do not meet expectations, our future premiums and results of operations could
- be materially adversely affected.
- The failure of our claims department, or the third-party claims adjusters whom we may engage, to effectively manage or
- remediate claims could adversely affect our business, financial results or capital requirements.
- Increased competition and market conditions, including changes in our financial stability and credit ratings, could
- affect the growth of our business and negatively affect our financial results.
- We rely on qualified and highly-skilled personnel, and if we are unable to attract, retain or motivate key personnel, our
- business may be seriously harmed.
- Our business could be materially adversely affected by geopolitical conditions, pandemics and macroeconomic
- If we fail to comply with our obligations under license or technology agreements with third parties, or if we cannot
- license rights to use technology or data on reasonable terms, we could be required to pay damages, lose license rights
- that are critical to our business or be unable to commercialize new products and services in the future.
- Cybersecurity attacks or other breaches of our systems could have an adverse impact on our business and reputation.
- Although we have no plans to do so, we are not restricted from incurring indebtedness and may do so in the future.
- We previously identified material weaknesses in our internal control over financial reporting. If we experience
- additional material weaknesses in the future or otherwise fail to maintain an effective system of internal controls in the
- future, we may not be able to accurately or timely report our financial condition or results of operations.
- Changes in accounting practices and future pronouncements may materially affect our reported financial results.
- Risks Related to Our Regulatory Environment
- We are subject to extensive regulation, and potential further restrictive regulation may increase our operating costs and
- limit our growth and profitability.
- The effects of emerging claim and coverage issues in Florida and other states in which we operate on our business are
- Mandatory assessments or competition for government entities may create short-term liabilities or affect our ability to
- underwrite more policies.
- We face financial exposure to unpredictable weather patterns and catastrophic storms and resulting regulation from the
- The Florida Hurricane Catastrophe Fund may not have enough resources to pay us for the coverage we purchased.
- A regulatory environment that requires approval of rate increases, can mandate rate decreases, and that can dictate
- underwriting practices and mandate participation in loss sharing arrangements may adversely affect our results of
- operations and financial condition.
- State insurance regulators impose additional reporting requirements regarding enterprise risk on insurance holding
- company systems, with which we must comply as an insurance holding company.
- Regulations limiting rate changes and requiring us to participate in loss sharing or assessments may decrease our
- profitability.
- The amount of statutory capital and surplus that AIIC has and the amount of statutory capital and surplus it must hold
- vary and are sensitive to a number of factors outside of our control, including market conditions and the regulatory
- environment and rules.
- We incur increased costs and demands upon management as a result of complying with the laws and regulations
- affecting public companies, which could adversely affect our operating results.
- Risks Related to Our Investments
- We are subject to market risk, which may adversely affect investment income.
- Our overall financial performance depends in part on the returns on our investment portfolios.
- We have assets held at a financial institution that may exceed the insurance coverage offered by the Federal Deposit
- Insurance Corporation (“FDIC”), the loss of which could negatively impact our financial condition.
Legal proceedings
From time to time, we are subject to routine legal proceedings in the ordinary course of business. We believe that the
ultimate resolution of these matters will not have a material adverse effect on our business, financial condition, results of
operations or cash flows.
The opening of Item 3, Legal Proceedings.4
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
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- 3
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- 5
- 6
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- 8
- 9SEC EDGARBrian Foley, Chief financial officer
- 10
- 11SEC EDGARErnest N. Csiszar, Board member
- 12SEC EDGARSteven B. Mathis, Board member
- 13SEC EDGARSteven E. Smathers, Board member
- 14SEC EDGARRegulation FD disclosure
- 15
- 16SEC EDGARShareholder vote
- 17SEC EDGARRegulation FD disclosure
- 18SEC EDGARRegulation FD disclosure
- 19SEC EDGARResults of operations
- 20
- 21SEC EDGARDirector nominations; Other events
- 22SEC EDGARRegulation FD disclosure
- 23SEC EDGARResults of operations
- 24SEC EDGARExecutive or director change
- 25SEC EDGARResults of operations
- 26NasdaqNasdaq calendar
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- 33