Ategrity Specialty Insurance Co Holdings

Ategrity Specialty Insurance Company Holdings is a specialty property and casualty insurance holding company focused exclusively on the excess and surplus ("E&S") market for small to medium-sized businesses ("SMBs") throughout the United States. Its underwriting operations are conducted through Ategrity Specialty Insurance Company, a Delaware-domiciled E&S insurer. The company underwrites small and medium-sized commercial risks in specific industry sectors, including Retail, Real Estate, Hospitality, and Construction. Ategrity Specialty Insurance Company Holdings uses a technology-driven operating model to standardize, simplify, and automate transactions, which it calls "productionized underwriting." This method involves micro-segmentation, centralized underwriting governance, and automated workflows to ensure consistent execution across a high volume of E&S transactions. For the year ended December 31, 2025, the company generated $581.5 million in gross written premiums and reported a combined ratio of 88.2%. As of December 31, 2025, stockholders' equity was $614.3 million. Both Ategrity Specialty and Ategrity Specialty Insurance Limited hold an "A-" (Excellent) (Outlook Positive) financial strength rating from A.M. Best. The company's productionized underwriting model combines technical underwriting with a centralized operating platform, organizing risks into micro-segments based on operational characteristics, geography, and exposure attributes, and using data analytics for risk models that inform risk selection and pricing.