American Coastal Insurance (ACIC) Investor presentation summary

Corporate overview and market position

• Holds #1 market share in Florida commercial residential property insurance with 4,300 policies and $637M premium in-force as of September 2025.

• Net premiums earned at $302M and market cap of $552M as of January 2026.

• Rated A Exceptional by Demotech and BBB-/Positive by Kroll, headquartered in St. Petersburg, FL.

Strategic partnerships and expansion

• Entering a net quota share reinsurance agreement to assume 6% of AmRisc's nationwide E&S commercial property portfolio.

• AmRisc, founded by ACIC's Executive Chairman, has a 25-year profitable underwriting track record and $22.6B ITD written premium.

• ACIC's projected 2026 E&S gross premium written is $75M, assuming a March 2026 start.

Risk management and reinsurance

• Net retention on catastrophe risk limited to $10.8M per occurrence, with CAT XOL protection to the 250-year return period.

• Secondary perils reinsurance provides up to $106M coverage for non-windstorm events, with $10M retention per event.

• Aggregate catastrophe reinsurance covers up to $40M after $40M aggregate losses, with a $20M occurrence cap.