Risk factors
American Coastal Insurance (ACIC) risk factors
Item 1A of every American Coastal Insurance Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors32 risks8 new3 dropped9 reworded
All policies and total insured value are now concentrated in Florida, increasing exposure to its weather, regulatory and economic conditions.
Filed Mar 09, 2026 - FY2024 10-K risk factors27 risks
Florida property insurance concentration and catastrophe exposure heavily dominate the risk profile. Exclusive dependence on AmRisc as managing general agent is a core operational vulnerability. Heavy reliance on reinsurance markets directly impacts underwriting capacity and financial results.
Filed Mar 10, 2025