American Integrity Secures Favorable Catastrophe Reinsurance Program for 2026-2027
AII is trading near its 52-week low of $15.775 (5.2% above the low).
Summary
American Integrity Insurance Group has finalized its 2026-2027 catastrophe reinsurance program with favorable terms, including reduced net retention and rate reductions, despite increased exposure.
Key Events · Legal and Risk Events · AII
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Reinsurance Program Fully Placed
The company successfully placed its 2026-2027 indemnity-based, catastrophe excess of loss reinsurance program, effective June 1, 2026.
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Favorable Terms and Reduced Retention
The program benefits from meaningful risk-adjusted rate reductions and improved terms, leading to a reduction in net retention exposure despite an estimated 19% growth in in-force exposure.
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Increased Coverage Limit
Total third-party excess of loss reinsurance limit increased by $409.1 million (15.8%) to $2.99 billion, providing $2.25 billion coverage for a single catastrophic event.
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Lower Aggregate Retention
Aggregate retention in a four-event hurricane season decreased from $95 million to $75 million, and ex-Florida first storm retention decreased from $35 million to $10 million.
Analysis · AII · Finance
This filing announces the successful placement of American Integrity's critical annual catastrophe reinsurance program. Despite a 19% growth in exposure, the company achieved meaningful risk-adjusted rate reductions and significantly improved its net retention profile, reducing its exposure to catastrophic events. This strengthens the company's financial stability and risk management capabilities, directly addressing concerns about increased retained risk mentioned in the prior Q1 10-Q.
How filings like this one have moved
In the 30 days to Sep 11, 2026, 36.1% of the 1753 measured filings Wiseek scored 8 moved their stock by 5% or more by the next session's close. The median move was -0.04%. These are measured outcomes after filings of this importance, not a forecast for this one.
Measured one observation per ticker per day, after exclusions. Current figures: Filing Impact Tracker · open dataset
At the time of this filing, AII was trading at $16.60 on NYSE in the Finance sector, with a market capitalization of approximately $325.2M. The 52-week trading range was $15.78 to $26.36. This filing was assessed with positive market sentiment and an importance score of 8 out of 10.