American Coastal Insurance Corporation · NASDAQ:ACIC
American Coastal Insurance — Investor Presentation (January 2026)
18 slides from American Coastal Insurance's investor presentation, Jan 14, 2026
Slide 1: Investor Presentation January 2026
INVESTOR PRESENTATION JANUARY 2026 www.amcoastal.com
Slide 2: Forward-Looking Statements
Forward- Looking Statements American Coastal Insurance Corporation Statements made in this presentation and otherwise, that are not historical facts are “forward-looking statements”. The Company believes these statements are based on reasonable estimates, assumptions and plans. However, if the estim
Slide 3: Corporate Overview and Key Metrics
American Coastal Insurance Corporation® (ACIC) is a holding company that underwrites commercial residential property insurance policies in Florida through its wholly owned subsidiary, American Coastal Insurance Company (AmCoastal), founded in 2007. AmCoastal has the #1 market share in commercial res
Slide 4: Expanded Partnership with AmRisc
Expanded Partnership American Coastal Insurance Corporation AmRisc leads the U.S. market in underwriting catastrophe and specialty insurance for commercial property. American Coastal to provide E&S capacity to AmRisc ACIC plans to execute a net quota share reinsurance agreement to assume a 6% share
Slide 5: E&S Capacity Allocation
E&S Capacity Allocation American Coastal Insurance Corporation Carrier A- 45% Carrier B- 25% Carrier C- 15% Carrier D- 9% ACIC - 6% AmRisc E&S Portfolio Subject Gross Premium Written 6% ACIC 2026 Projected E&S Gross Premium Written = $75M AmRisc Carrier Panel Illustration: (via fronting carrier & ne
Slide 6: E&S Catastrophe Reinsurance
E&S Catastrophe Reinsurance American Coastal Insurance Corporation Open Market Reinsurance All Perils Catastrophe Excess of Loss (CAT XOL) 1@100 w/RPP ACIC Retention (via net quota share) 250 Yr PML 10 Yr PML $10.8M AmRisc Specific Reinsurance Program: ACIC expects to enter into a net quota share ag
Slide 7: E&S Property Market Share
E&S Property Market Share American Coastal Insurance Corporation We believe the admitted market in Florida makes sense for most habitational risks due to the FHCF and the individual rating of risk over $5m of TIV. For all other states and risks that are ineligible for the FHCF in Florida or require
Slide 8: New E&S Carrier: ACES Specialty Insurance Company
New E&S Carrier American Coastal Insurance Corporation ACES Specialty Insurance Company (“ACES”) is in the process of being formed. ACES will be owned and capitalized by a $30M cash contribution from ACIC as an Arizona domestic surplus lines insurer. ACES is expected to be operational in 2026. ACES
Slide 9: E&S Opportunities
E&S Opportunities American Coastal Insurance Corporation ACIC has previous underwriting experience with commercial property in South Carolia & Texas and will consider other catastrophe exposed markets where we can deploy our highly specialized expertise to earn strong returns over time. Class Florid
Slide 10: Underwriting Strategies
Underwriting profitability is still job #1 Target risk is low-rise commercial buildings up to $100 million of total insured value Exposure managed with catastrophe modeling and analytical tools Maintain low net retention of catastrophe risk vs. expected annual earnings Aiming to achieve predictable
Slide 11: Insurance Cycle
Insurance Cycle American Coastal Insurance Corporation Excess capacity is expected to continue pressuring rates, deductibles, and other conditions in 2026. Pricing for commercial residential property insurance (CRES) remains solid relative to historical levels. ACIC is taking a long-term view to gro
Slide 12: AOP CAT Reinsurance
AOP CAT Reinsurance American Coastal Insurance Corporation All other perils (AOP) catastrophe reinsurance provides protection from catastrophe loss events other than named windstorms such as hailstorms, tornados, and other severe convective storm events. $106 million up to Effective Jan 1, 2026 – De
Slide 13: CAT AGG Reinsurance
CAT AGG Reinsurance American Coastal Insurance Corporation Aggregate (AGG) catastrophe reinsurance provides protection from aggregate catastrophe losses in excess of $40 million during the coverage year. This reinsurance covers all perils. $40 million up to Effective Jan 1, 2026 – Dec 31, 2026 All P
Slide 14: 2026 FY Guidance
2026 FY Guidance American Coastal Insurance Corporation Earnings Before Income Tax $85M - $100m Total Revenue $335M - $365M ACIC’s goals are to 1st remain profitable every quarter even with a full catastrophe retention loss, and 2nd remain profitable for the full year even with three full catastroph
Slide 15: Growth in Liquidity & Book Value
Growth in Liquidity & Book Value American Coastal Insurance Corporation ACIC paid Special Cash Dividends of $0.50 Per Share on January 10, 2025, to shareholders of record on January 2, 2025, and $0.75 Per Share on January 9, 2026, to shareholders of record on January 2, 2026.
Slide 16: Capital Allocation
Debt In the long-term, we plan to target ≤25% debt to total capital ratio. We plan to reduce but not fully eliminate our long-term debt upon maturity. Equity When management believes ACIC stock is significantly undervalued, we may participate in stock buybacks. The Board of Directors previously auth
Slide 17: ACIC Investment Thesis
ACIC Investment Thesis American Coastal Insurance Corporation Deep Underwriting Expertise Sophisticated multi-model underwriting & best-in-industry data capture capabilities. 08:00 Growth via ACES & Skyway Underwriters Dedicated, wholly owned E&S paper and MGA capabilities will drive earnings growth
Slide 18: Contact Us
Contact Us American Coastal Insurance Corp. 570 Carillon Parkway, Suite 100 Saint Petersburg, FL 33716 Transfer Agent Equiniti Trust Company, LLC 48 Wall Street, Floor 23 New York, NY 10005 (800) 937 5449 helpast@equiniti.com American Coastal Insurance Corporation Investor Relations Mr. Alexander Ba
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