American Coastal Insurance Corp. Surveillance Report
Rating Summary
The upgrades reflect the company's sustained strengthening of its financial profile, supported by materially improved capitalization, consistently strong underwriting performance, disciplined catastrophe risk management, and successful execution of its strategic plan. Internally generated earnings increased policyholder surplus to approximately $317 million at year-end 2025 from $77 million at year-end 2022, while the statutory RBC ratio improved to 1757%, providing strong capital adequacy to support future growth and absorb catastrophe losses.
The upgrade also reflects American Coastal Insurance Company’s (AmCoastal's) demonstrated ability to consistently generate strong underwriting results despite its exclusive focus on Florida commercial residential property insurance. The company has maintained disciplined underwriting, conservative catastrophe risk management, and robust reinsurance protection while prioritizing profitability over premium growth, producing…
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