# AmCoastal — llms.txt
# https://www.amcoastal.com
# Generated: 2026-06-26

## Company

American Coastal Insurance Company (AmCoastal) is the largest voluntary writer of commercial
residential property insurance in Florida. Founded 2007. Headquartered at 570 Carillon Parkway,
Suite 100, St. Petersburg, FL 33716. Subsidiary of American Coastal Insurance Corporation,
traded on Nasdaq under the ticker ACIC.

AmCoastal writes Florida commercial residential property only — no personal lines, no commercial
liability, no out-of-state business.

## Product Lines

- Condominium association property (distributed through AmRisc Group)
- Homeowner association (HOA) property (distributed through AmRisc Group)
- Apartment community property (distributed through Skyway Underwriters)
- Assisted and independent living facility property (distributed through Skyway Underwriters)

AmCoastal does not sell direct. All business flows through two exclusive managing general agents.

## Distribution

AmRisc Group — condo and HOA submissions from retail agents and brokers.
One of the largest MGAs in the US, specializing in hurricane-exposed properties.
Contact: https://www.amriscgroup.com/About/Contact-Us
Bind path: https://www.amrisconline.com

Skyway Underwriters — apartment and assisted living, appointed wholesale brokers only.
Contact: https://www.skywayunderwriters.com/distribution

Named-storm protocol: binding pauses during active National Hurricane Center watches or
warnings for Florida. Status at: https://www.amcoastal.com/claims#active-storm

## Financial Strength Ratings

Demotech Financial Stability Rating: A, Exceptional (as of 2026)
— Recognized by Fannie Mae, Freddie Mac, HUD, reinsurers, and the Florida OIR.
— Source: https://www.demotech.com/company/12968/

KBRA Insurer Financial Strength Rating: A with Stable outlook
— Upgraded July 2026 from A−. Reflects sustained strengthening of financial profile.
— Source: https://www.kbra.com

WSIA: Member of the Wholesale & Specialty Insurance Association.

## Reinsurance Structure

Tower rebuilt annually on June 1. Layers top to base:
1. Traditional reinsurance — A− or better rated or fully collateralized reinsurers
2. Florida Hurricane Catastrophe Fund (FHCF) participation — state-regulated, below-market rate
3. Carrier retention — first layer held by carrier + captive
4. Catastrophe bonds — multi-year instruments spanning multiple layers

## Leadership (American Coastal Insurance Company)

Chris Griffith — President (named 2024; also President, COO, CIO of parent ACIC)
Troy Crawford — Chief Underwriting Officer (since January 2025)
Svetlana Castle — Chief Financial Officer (since January 2024)
J. Andy Gray — Chief Compliance and Risk Officer; carrier board director

## Claims

Condo/HOA claims (AmRisc-placed): https://www.amrisconline.com/claimssubmission
Apartment/assisted living claims (Skyway-placed): https://intake.sedgwick.com/u/SkywayClaims/ReportaClaim

## Key Pages

- Homepage: https://www.amcoastal.com
- Products: https://www.amcoastal.com/products
- Condo & HOA: https://www.amcoastal.com/products/condo-hoa
- Apartment: https://www.amcoastal.com/products/apartment
- Assisted Living: https://www.amcoastal.com/products/assisted-living
- For Agents & Brokers: https://www.amcoastal.com/brokers
- Claims: https://www.amcoastal.com/claims
- Reinsurance: https://www.amcoastal.com/reinsurance
- Ratings: https://www.amcoastal.com/about/ratings
- Leadership: https://www.amcoastal.com/about/leadership
- About: https://www.amcoastal.com/about
- Contact: https://www.amcoastal.com/about/contact
- Investor Relations: https://investors.amcoastal.com

## Related Entities

American Coastal Insurance Corporation (parent, Nasdaq: ACIC): https://investors.amcoastal.com
LinkedIn: https://www.linkedin.com/company/96886966/
Florida OIR carrier record: https://www.floir.com