AMERICAN COASTAL INSURANCE Corp.
- ACIC ยท Nasdaq
- Fire, Marine & Casualty Insurance
- Saint Petersburg, FL
- 68 employees
- CIK 0001401521
Updated from SEC filings through
Top things to know
Executives
- Brad Martz President & CEO 4, 2026-09-24
-
Svetlana Castle Chief Financial Officer 4, 2026-05-14 - Troy J. Crawford Chief Underwriting Officer 4, 2026-07-17
- James Andy Gray Chief Compliance/Risk Officer 4, 2026-05-14
- Brooke Adler Secretary 4, 2026-09-25
AMERICAN COASTAL INSURANCE Corp is a U.S. public company in fire, marine & casualty insurance (SIC 6331), headquartered in Saint Petersburg, FL. It trades as ACIC on Nasdaq. Revenue was $335M in the fiscal year ending December 31, 2025, +13.1% from the year before. It reported about 68 employees. Brad Martz is President & CEO.
Five-year financials
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $335M 10-K, 2026-03-09 | $297M 10-K, 2026-03-09 | $264M 10-K, 2026-03-09 | $222M 10-K, 2025-03-10 | $229M 10-K, 2024-03-15 |
| Operating income | $140M 10-K, 2026-03-09 | $99.6M 10-K, 2026-03-09 | $93.9M 10-K, 2026-03-09 | -$8.7M 10-K, 2025-03-10 | -$10.5M 10-K, 2024-03-15 |
| SG&A | $40.5M 10-K, 2026-03-09 | $44.8M 10-K, 2026-03-09 | $37.6M 10-K, 2026-03-09 | $43.7M 10-K, 2025-03-10 | $31.4M 10-K, 2024-03-15 |
| Net income | $107M 10-K, 2026-03-09 | $75.7M 10-K, 2026-03-09 | $310M 10-K, 2026-03-09 | -$470M 10-K, 2025-03-10 | -$57.9M 10-K, 2024-03-15 |
Annual figures from XBRL in each company's own filings. Click a figure to open the filing. SG&A marked derived is general and administrative plus selling and marketing.
Leadership and board
| Name | Title | Source |
|---|---|---|
| Brad Martz | President & CEO | 4, 2026-09-24 |
| Svetlana Castle | Chief Financial Officer | 4, 2026-05-14 |
| Troy J. Crawford Chief Underwriting Officer | Chief Underwriting Officer | 4, 2026-07-17 |
| James Andy Gray | Chief Compliance/Risk Officer | 4, 2026-05-14 |
| Brooke Adler | Secretary | 4, 2026-09-25 |
| Gregory C. Branch | Board member (per proxy) bio: CHAIRMAN EMERITUS | DEF 14A, 2026-04-01 |
| ALEC L. POITEVINT, II | Board member (per proxy) bio: LEAD DIRECTOR | DEF 14A, 2026-04-01 |
| DEIRDRE A. BROWN | Board member (per proxy) bio: DIRECTOR NOMINEE | DEF 14A, 2026-04-01 |
| Kern M. Davis, M.D., NACD.DC | Board member (per proxy) bio: DIRECTOR | DEF 14A, 2026-04-01 |
| Patrick F. Maroney | Board member (per proxy) bio: DIRECTOR | DEF 14A, 2026-04-01 |
| R. Daniel Peed | Board member (per proxy) bio: EXECUTIVE CHAIRMAN OF THE BOARD | DEF 14A, 2026-04-01 |
| William H. Hood, III | Board member (per proxy) bio: DIRECTOR | DEF 14A, 2026-04-01 |
What AMERICAN COASTAL INSURANCE Corp does
American Coastal Insurance Corporation (referred to in this Form 10-K as we, our, us, the Company or ACIC) is a holding company primarily engaged in the commercial property and casualty insurance business with investments in the United States. On July 10, 2023, we changed our corporate name from United Insurance Holdings Corp. to American Coastal Insurance Corporation. We conduct our business principally through our wholly owned insurance subsidiary, American Coastal Insurance Company (AmCoastal).
Item 1. Business, 10-K for the year ending December 31, 2025
Shares and governance
| Shares outstanding | 47.3 million (as of November 2, 2026) | 10-Q, November 5, 2026 |
|---|---|---|
| Public float | $278M (as of June 30, 2025) | 10-K, March 9, 2026 |
| Latest proxy statement | Meeting April 1, 2026 (filed April 1, 2026) | DEF 14A, April 1, 2026 |
| Auditor | Deloitte & Touche LLP (Tampa, Florida) | Latest 10-K |
Insider trades
Open-market buys and sales by officers and directors, from Forms 4 and 5. One row per filing.
| Date | Insider | Trade | Shares | Value | Source |
|---|---|---|---|---|---|
| September 24, 2026 | Brooke Adler Secretary | Sale | 21,196 | $192K | Form 4, September 25, 2026 |
| September 22, 2026 | Brad Martz President & CEO | Buy | 10,000 | $92K | Form 4, September 24, 2026 |
| August 17, 2026 | Christopher Griffith Chief Operating Officer | Sale | 41,672 | $392K | Form 4, August 19, 2026 |
| March 20, 2026 | Kern Michael Davis Director | Buy | 200 | $2K | Form 4, March 23, 2026 |
| March 19, 2026 | Kern Michael Davis Director | Buy | 800 | $9K | Form 4, March 19, 2026 |
| March 4, 2026 | Kern Michael Davis Director | Buy | 1,400 | $16K | Form 4, March 18, 2026 |
| February 23, 2026 | Troy J. Crawford Chief Underwriting Officer | Buy | 3,200 | $35K | Form 4, February 24, 2026 |
| November 10, 2025 | Christopher Griffith Chief Operating Officer | Sale | 18,409 | $218K | Form 4, November 12, 2025 |
Recent 8-K events
- 8-K filed 2026-10-29
- Item 2.02 Results of operations and financial condition (earnings release)
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-10-02
- Item 5.02 Departure or appointment of directors or officers; compensation
- 8-K filed 2026-08-05
- Item 2.02 Results of operations and financial condition (earnings release)
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-05-29
- Item 5.07 Submission of matters to a vote of security holders
- 8-K filed 2026-05-15
- Item 8.01 Other events
- 8-K filed 2026-05-05
- Item 2.02 Results of operations and financial condition (earnings release)
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-02-20
- Item 5.02 Departure or appointment of directors or officers; compensation
- 8-K filed 2026-02-19
- Item 2.02 Results of operations and financial condition (earnings release)
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-01-14
- Item 7.01 Regulation FD disclosure
- 8-K filed 2026-01-07
- Item 8.01 Other events
Frequently asked questions about AMERICAN COASTAL INSURANCE Corp
- What does AMERICAN COASTAL INSURANCE Corp do?
- In its own words, from Item 1 of its 10-K: "American Coastal Insurance Corporation (referred to in this Form 10-K as we, our, us, the Company or ACIC) is a holding company primarily engaged in the commercial property and casualty insurance business with investments in the United States. On July 10, 2023, we changed our corporate name from United Insurance Holdings Corp. to American Coastal Insurance Corporation. We conduct our business principally through our wholly owned insurance subsidiary, American Coastal Insurance Company (AmCoastal)."
- What is AMERICAN COASTAL INSURANCE Corp's revenue?
- $335M for the fiscal year ending December 31, 2025, from its 10-K filed March 9, 2026.
- Is AMERICAN COASTAL INSURANCE Corp profitable?
- AMERICAN COASTAL INSURANCE Corp reported net income of $107M for the fiscal year ending December 31, 2025.
- How many employees does AMERICAN COASTAL INSURANCE Corp have?
- About 68 as of December 31, 2025, as stated in its annual report.
- Who is the CEO of AMERICAN COASTAL INSURANCE Corp?
- Brad Martz, President & CEO, as named in a 4 filed September 24, 2026.
- Who is the CFO of AMERICAN COASTAL INSURANCE Corp?
- Svetlana Castle, Chief Financial Officer, as named in a 4 filed May 14, 2026.
- Where is AMERICAN COASTAL INSURANCE Corp headquartered?
- Saint Petersburg, FL.
- What is AMERICAN COASTAL INSURANCE Corp's stock ticker?
- ACIC on Nasdaq.
- What industry is AMERICAN COASTAL INSURANCE Corp in?
- Fire, Marine & Casualty Insurance, SIC code 6331.
- What is AMERICAN COASTAL INSURANCE Corp's website?
- amcoastal.com.
- When does AMERICAN COASTAL INSURANCE Corp report earnings next?
- February 5, 2027. Source: estimate_8k_pattern.
- Is AMERICAN COASTAL INSURANCE Corp a public company?
- Yes. AMERICAN COASTAL INSURANCE Corp files with the SEC under CIK 0001401521 and trades as ACIC.
- Who audits AMERICAN COASTAL INSURANCE Corp?
- Deloitte & Touche LLP, Tampa, Florida, as named in its latest annual report (10-K).
- How many shares of AMERICAN COASTAL INSURANCE Corp are outstanding?
- 47.3 million shares as of November 2, 2026, from its 10-Q filed November 5, 2026.
- What is AMERICAN COASTAL INSURANCE Corp's public float?
- $278M as of June 30, 2025, as reported on the cover of its 10-K filed March 9, 2026.
- When is AMERICAN COASTAL INSURANCE Corp's annual shareholder meeting?
- April 1, 2026, per its proxy statement (DEF 14A) filed April 1, 2026.
- Have AMERICAN COASTAL INSURANCE Corp insiders traded stock recently?
- Since November 10, 2025, officers and directors reported 3 open-market sales worth about $802K and 5 purchases worth about $155K on Forms 4 and 5. The most recent: Brooke Adler (Secretary) sold 21,196 shares on September 24, 2026.