Welcome to our dedicated page for American Coastal Insurance SEC filings (Ticker: ACIC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
American Coastal Insurance Corporation filings document the reporting obligations of a public property and casualty insurance holding company and its American Coastal Insurance Company subsidiary. The company’s 8-K filings regularly furnish earnings releases, financial presentations, Regulation FD materials and updates on premium activity, underwriting results, loss ratios and consolidated operating performance.
Other filings cover proxy governance, director elections, executive compensation, board and officer changes, and material insurance-risk management matters. Recent event reports also describe catastrophe reinsurance arrangements, including excess-of-loss and aggregate coverage structures used to manage losses from named windstorms, severe convective storms, winter storms and other catastrophe events.
American Coastal Insurance Corporation renewed its core catastrophe reinsurance program for the 2026/27 season, significantly expanding coverage while lowering costs. The company purchased approximately $1.918 billion of aggregate occurrence-based limit, up from $1.676 billion, and added $200 million of new multi-year catastrophe bond capacity in two $100 million tranches. Estimated first event limit rose to $1.68 billion, while total cascading limit increased to $435 million. First event retention increased to up to $49 million and second event retention to up to $25 million, both measured against stockholders’ equity. The 2026/27 catastrophe excess of loss reinsurance cost is approximately $179.5 million, down from $201.85 million, and maximum reinstatement premium exposure declined to $0.9 million.
AMERICAN COASTAL INSURANCE Corp President & CEO Brad Martz received new equity awards as part of his compensation. He was granted 34,298 nonqualified stock options with an exercise price of $10.59 per share, along with performance and restricted stock units tied to the company’s common stock.
The grants include 51,346 performance stock units and 25,673 restricted stock units, each representing a right to receive one share if conditions are met. All three awards vest over three years in roughly equal annual installments, and the performance units can pay out between 0% and 150% of the stated amount based on performance.
Griffith Christopher reported acquisition or exercise transactions in this Form 4 filing.
AMERICAN COASTAL INSURANCE Corp Chief Operating Officer Christopher Griffith received new equity awards in the form of options and stock units. On the reported date, he was granted 14,507 nonqualified stock options exercisable at $10.59 per share, 21,719 performance stock units, and 10,859 restricted stock units, all tied to the company’s common stock.
The options and restricted stock units vest over three years, with one third of each award vesting in each period. The performance stock units also vest over three years, and the actual shares ultimately delivered can range from 0% to 150% of the awarded amount, depending on achievement of specified performance factors.
AMERICAN COASTAL INSURANCE Corp officer Brooke Adler received new equity awards as part of compensation. On May 12, 2026, Adler was granted 13,246 nonqualified stock options with an exercise price of $10.59 per share, bringing option holdings to 220,249. She also received 19,830 performance stock units and 9,915 restricted stock units, increasing those balances to 35,987 and 17,994 units, respectively.
The options and restricted stock units vest over three years in roughly equal annual installments. The performance stock units also vest over three years, and the actual shares delivered can range from 0% to 150% of the granted amount depending on performance goals.
AMERICAN COASTAL INSURANCE Corp Chief Financial Officer Svetlana Castle received multiple equity awards as part of her compensation. On May 12, 2026, she was granted 9,619 nonqualified stock options with an exercise price of $10.59 per share, bringing her option holdings to 26,711 options. She also received 14,400 performance stock units and 7,200 restricted stock units, increasing her respective positions to 27,095 performance stock units and 13,549 restricted stock units, all directly owned.
The options and restricted stock units vest over three years, with one-third vesting in each period. The performance stock units also vest over three years, and the actual common shares delivered can range from 0% to 150% of the 14,400 units based on specified performance factors.
American Coastal Insurance Corp’s Chief Compliance/Risk Officer James Andy Gray received new equity awards in the form of options and stock units. He was granted 9,619 nonqualified stock options for common stock at an exercise price of $10.59 per share, expiring on May 12, 2036, with vesting in three equal annual installments.
He also received 14,400 performance stock units and 7,200 restricted stock units, each representing a right to one share of common stock. Both the performance units and restricted stock units vest over three years, with one third vesting in each period. The number of shares ultimately delivered for the performance units depends on performance factors and can range from 0% to 150% of the stated 14,400 units.
AMERICAN COASTAL INSURANCE Corp Chief Underwriting Officer Troy J. Crawford received new equity-based compensation awards. He was granted nonqualified stock options for 11,038 shares of common stock at an exercise price of $10.59 per share, plus 16,525 performance stock units and 8,263 restricted stock units.
The options and restricted stock units vest over three years in roughly equal annual installments. The performance stock units also vest over three years, and the actual shares delivered can range from 0% to 150% of the granted units based on specified performance factors.
AMERICAN COASTAL INSURANCE Corp Secretary Brooke Adler reported several equity compensation transactions on May 7, 2026. Adler exercised derivative awards, acquiring 11,234 shares of Common Stock, while 2,737 shares were disposed of to cover tax obligations at $10.85 per share. Additional exercises converted performance stock units, restricted stock units, and related dividend equivalent units into common stock. After these mostly routine compensation-related transactions, Adler directly holds 124,108 shares of Common Stock.
AMERICAN COASTAL INSURANCE Corp Chief Compliance/Risk Officer James Andy Gray reported equity award activity and related tax withholding. On May 7, he exercised awards covering 6,619 shares of Common Stock and had 3,042 shares withheld to cover tax or exercise obligations at $10.85 per share.
Following these transactions, he directly owned 210,546 shares of Common Stock. He also continued to hold derivative awards, including performance stock units, restricted stock units, and dividend equivalent units, which generally vest over three years and convert into one share of common stock per unit subject to time-based and performance-based vesting conditions.
AMERICAN COASTAL INSURANCE Corp President & CEO Brad Martz reported compensation-related equity activity rather than open-market trading. On May 7, he exercised awards to acquire 32,093 shares of common stock at an exercise price of $0.00 per share.
He also settled vested dividend equivalent, performance, and restricted stock units linked to a total of 24,070 shares of common stock. To cover tax obligations, 12,838 shares of common stock were disposed of at $10.85 per share through a tax-withholding mechanism, not an open-market sale. After these transactions, he directly holds 447,449 shares of common stock.