American Integrity Insurance Group, Inc. announced on September 29, 2025, the full placement of its 2025-2026 indemnity-based, catastrophe excess-of-loss reinsurance program. This program is effective as of June 1, 2025, for its insurance subsidiary, American Integrity Insurance Company of Florida, Inc.
The program provides robust protection, offering $1.93 billion in third-party coverage for a single event and $2.59 billion across all occurrences. This represents a 45% increase in coverage compared to the prior year, enhancing the company's ability to withstand significant catastrophe losses.
Total net consolidated catastrophe reinsurance premiums ceded are expected to be approximately $433.3 million for the 2025-2026 treaty year, marking a 28% increase over the prior year. This expanded coverage, secured from a diverse panel of reinsurers, underscores American Integrity's commitment to protecting its balance sheet against Florida's inherent catastrophe risk while supporting its portfolio growth.
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