Subsequent Events	12 Months Ended
Dec. 31, 2025
Subsequent Events [Abstract]
Subsequent Events	21) SUBSEQUENT EVENTS We evaluate all subsequent events and transactions for potential recognition or disclosure in our financial statements. Effective January 1, 2026, ACIC, through its wholly owned insurance subsidiary AmCoastal, renewed the all other perils catastrophe excess of loss agreement (the AOP CAT agreement). The agreement provides up to $95.6 million of occurrence limit excess of the $10.0 million attachment point to limit the Company’s losses from catastrophe loss events other than named windstorms and earthquakes. The Company’s retention is $10.0 million per occurrence, net of quota share reinsurance coverage. The cost of the agreement is approximately $11.4 million, inclusive of reinstatement premium protection. Exclusive of ACIC’s retention, the AOP CAT agreement provides coverage of approximately $95.6 million for a first event, or $170.4 million in the aggregate. In addition to the AOP CAT agreement, ACIC, through AmCoastal, renewed its catastrophe aggregate excess of loss agreement (the CAT Agg agreement) effective January 1, 2026. This agreement provides in-force, new and renewal business coverage of up to $40 million of aggregate limit (with a $20 million per occurrence cap) excess of zero after the $40 million annual aggregate deductible has been exceeded. The agreement limits the Company’s losses from all catastrophe loss events, including named windstorms, severe convective storms and winter storm events for the full year ending December 31, 2026. The cost of the agreement is approximately $4.9 million.

Subsequent Events

12 Months Ended

Dec. 31, 2025

21)

SUBSEQUENT EVENTS

We evaluate all subsequent events and transactions for potential recognition or disclosure in our financial statements.

Effective January 1, 2026, ACIC, through its wholly owned insurance subsidiary AmCoastal, renewed the all other perils catastrophe excess of loss agreement (the AOP CAT agreement). The agreement provides up to $95.6 million of occurrence limit excess of the $10.0 million attachment point to limit the Company’s losses from catastrophe loss events other than named windstorms and earthquakes. The Company’s retention is $10.0 million per occurrence, net of quota share reinsurance coverage. The cost of the agreement is approximately $11.4 million, inclusive of reinstatement premium protection. Exclusive of ACIC’s retention, the AOP CAT

agreement provides coverage of approximately $95.6 million for a first event, or $170.4 million in the aggregate.

In addition to the AOP CAT agreement, ACIC, through AmCoastal, renewed its catastrophe aggregate excess of loss agreement (the CAT Agg agreement) effective January 1, 2026. This agreement provides in-force, new and renewal business coverage of up to $40 million of aggregate limit (with a $20 million per occurrence cap) excess of zero after the $40 million annual aggregate deductible has been exceeded. The agreement limits the Company’s losses from all catastrophe loss events, including named windstorms, severe convective storms and winter storm events for the full year ending December 31, 2026. The cost of the agreement is approximately $4.9 million.