American Integrity Q3 2026 slides: Florida insurer posts record growth

American Integrity Insurance Group (AII) reported Q3 2026 earnings, with net income driven by a 94.5% rise in net premiums earned to $101.2M. CEO Bob Ritchie discussed reinsurance renewal strategies, competitive environment, and expansion into dwelling fire in the Southeast. CFO Brian attributed the improved net loss ratio (36.6%) to business expansion and reinsurance pricing, while noting an increase in the expense ratio (34%) due to higher production costs and quota share effects.

American Integrity Insurance Group reported Q3 2026 net income of $28.4M, up 115% YoY. Gross premiums written rose 22.7% to $293.3M, while net premiums earned increased 94.5% to $101.2M. Total revenues grew 83% to $113.5M. Policies in-force reached 481,446, up 18.6% YoY, driven by voluntary market growth. The combined ratio improved to 70.6% from 78.9%.

American Integrity Insurance Group (AII) reported Q3 earnings with policy acquisition and administrative expenses rising, while net investment income increased 21.9% to $8.4M. Policies in force grew 18.6% to 481K, and in-force premium rose 17.4% to $1.1B. The company expects up to $35M in losses from Hurricane Isaias. AII ended the quarter debt-free with $391.2M in shareholders' equity.

American Integrity Insurance Group, Inc. (AII) filed an SEC Form 8-K — Results of Operations and Financial Condition. 1 Adjusted net income, adjusted earnings per share and adjusted return on equity are non-GAAP financial measures. Please see the discussion below under the heading “Reconciliation of Non-GAAP Financial Measures” for additional information concerning these and other non-GAAP finan

American Integrity Insurance Group (AII) reported Q3 2026 net income rose 115.4% to $28.4M, with adjusted net income up 102.6% to $28.3M. Policies in-force grew 18.6% YoY to 481,446. The company attributes the increase to strong underwriting performance and policy growth.

American Integrity Insurance (AII) reported Q2 2026 earnings with net income up 24.2% to $34.1M, diluted EPS up to $1.74, and gross premiums written up 13.8% to $326.6M. Policies in force grew 15.7% YoY to 461,714. The company expanded in the Tri-County region and middle-aged home segments, improved its combined ratio to 63.4%, and deployed $200M into fixed income securities.