American Coastal Insurance Unveils AmRisc E&S Expansion, Launches ACES, Sets 2026 Guidance

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MarketBeat

Wed, January 14, 2026 astatine 11:20 AM CST 7 min read

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American Coastal is expanding its concern with AmRisc via a 6% participation successful AmRisc’s nationwide E&S portfolio, which absorption estimates could nutrient astir $75 million of gross written premium successful 2026 and volition beryllium placed done a fronting bearer and nett quota-share reinsurance with institution retention capped astatine astir $10.8 million and abstracted catastrophe extortion to a 250‑year PML.
The institution has formed a wholly owned E&S carrier, ACES Specialty Insurance Company, with planned archetypal policyholder surplus of $30 million, expected to commencement arsenic a collateralized reinsurer and prosecute authorities approvals and an AM Best A‑ standing to modulation to nonstop underwriting, targeting commercialized spot successful Florida, Texas and South Carolina with enactment from Skyway Underwriters.
For 2026 American Coastal guided to earnings earlier income taxation of $85 cardinal to $100 million and total gross of $335 cardinal to $365 million, portion emphasizing superior priorities including peculiar dividends (recently paid), a long‑term <25% debt‑to‑capital people and a committee authorization of up to $25 million for stock repurchases.
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American Coastal Insurance (NASDAQ:ACIC) utilized a “Flash Strategic Update” led by President and CEO Brad Martz and CFO Lana Castle to outline maturation initiatives tied to excess and surplus (E&S) lines, updates to its reinsurance protections, and 2026 fiscal guidance. Management emphasized that comments included forward-looking statements and pointed investors to the company’s Form 10-K and different filings for hazard factors.

Martz recapped that American Coastal was founded successful 2007 by Chairman Dan Peed to underwrite commercialized residential spot security successful Florida, focused connected habitational risks specified arsenic condominiums and apartments. The institution insures gathering shells oregon envelopes—such arsenic roofs, doors, windows, and communal areas—and besides covers related structures similar garages and recreation centers. Martz noted the institution does not screen flood, liability, oregon contents of idiosyncratic units, which are mostly handled by abstracted policies.

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American Coastal described itself arsenic the marketplace person for Florida condominium associations, citing a fig 1 marketplace stock and astir 4,300 of astir 17,000 condominium associations eligible for its product. Management said this represents astir of the company’s $637 cardinal of premium in-force astatine the extremity of the 3rd quarter. Martz attributed the company’s way record—an underwriting nett each twelvemonth since inception and 18 consecutive years of profitability successful Florida—to underwriting subject and its concern model.