Form 8-K

8-K — American Integrity Insurance Group, Inc.

Accession: 0002007587-26-000071

Filed: 2026-06-01

Period: 2026-06-01

CIK: 0002007587

SIC: 6331 (FIRE, MARINE & CASUALTY INSURANCE)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — aii-20260601.htm (Primary)

EX-99.1 (aii-2026x2027xolpressrel.htm)

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8-K

8-K (Primary)

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

__________________________

FORM 8-K

__________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) June 1, 2026

__________________________

American Integrity Insurance Group, Inc.

(Exact name of registrant as specified in its charter)

__________________________

Delaware 001-42634 33-2925846

(State or other jurisdiction

of incorporation) (Commission

File Number) (IRS Employer

Identification No.)

3000 Bayport Drive, Suite 500

Tampa, Florida

33607

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (813) 880-7000

Not Applicable

(Former name or former address, if changed since last report)

__________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading

Symbol(s) Name of each exchange

on which registered

Common Stock, $0.001 par value AII New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company x

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 7.01 Regulation FD Disclosure.

On June 1, 2026, American Integrity Insurance Group, Inc. (the “Company”) issued a press release announcing that the Company fully placed its 2026-2027 indemnity based, catastrophe excess of loss reinsurance program for its insurance subsidiary, American Integrity Insurance Company. A copy of the Company's press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein.

The information in this Current Report on Form 8-K, including Exhibit 99.1 furnished hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No. Description

99.1

Press Release, issued June 1, 2026 (furnished pursuant to Item 7.01).

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

AMERICAN INTEGRITY INSURANCE GROUP, INC.

Date: June 1, 2026 By: /s/ Robert Ritchie

Name: Robert Ritchie

Title: Chief Executive Officer

EX-99.1

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American Integrity Insurance Group, Inc. Announces Full Placement of 2026-2027 CAT XOL Reinsurance Program TAMPA, Fla., June 1, 2026 (BUSINESS WIRE) – American Integrity Insurance Group, Inc. (NYSE: AII) (“American Integrity,” “we,” “us,” “our” or the “Company”), a Tampa-based property and casualty insurance holding company and one of Florida’s leading providers of residential property insurance, announced today that it has fully placed its 2026-2027 indemnity based, catastrophe excess of loss reinsurance program for its insurance subsidiary, American Integrity Insurance Company (“AIIC”) 2026. , President of American Integrity, commented, “I am pleased to announce the successful completion of our 2026-2027 catastrophe excess of loss reinsurance program. This year’s placement meaningful risk-adjusted rate reductions at the upper - , improved terms and conditions, and an improved net retention Due to the continued growth in premium and exposure that we have experienced over the past year, we have increased our total third-party excess of loss reinsurance limit for all occurrences by $ million to $2.99 billion .” Highlights of the 2026-2027 catastrophe reinsurance program include: • The reinsurance program provides third-party coverage of $2.2 billion for a single catastrophic event. • The total incurred net consolidated catastrophe reinsurance premiums ceded to third parties is expected to total $430 - $440 million for the 2026 treaty year. • -in- ear return period, consistent with last year’s program. • Market conditions were favorable for this year’s renewal, largely as a result of a healthy reinsurance market, the success of the Florida legislative reforms and the lack of severe storm activity . Market observers have publicly stated that U.S. property catastrophe cedents are experiencing up to 20% reductions in risk- adjusted pricing, and we believe our renewal is consistent with that market dynamic. The exception is that no risk-adjusted was realized on

the $ million of limit purchased from the Florida Hurricane Catastrophe Fund (“FHCF”) - • The Company took advantage of the favorable pricing environment to reduce the Company’s net retention exposure d 9% growth in peak season in-force exposure versus the prior year treaty , and our million to $20 million for named storms retained by AIIC and the remainder retained by our segregated cell captive reinsurer). Our net retention for the third event decreases to and our net retention for the third and fourth event is retained by AIIC. In a four-event hurricane season, Additionally, our ex- • The $3 billion placement is a combination of protection provided by traditional reinsurers, Insurance Linked Securities (“ILS”) investors, the FHCF and our captive reinsurer. The entire program is indemnity based, with no parametric covers. All reinsurers participating in our 2026-2027 catastrophe reinsurance program were rated A- • billion last year. There is no material multi-year coverage in the traditional reinsurance placement. • which expire at the end of the 2026 treaty year (May 2027), and an additional $260 million of catastrophe bonds issued in 2026 at more favorable pricing, which •

About American Integrity Insurance Group, Inc. American Integrity Insurance Group, Inc. (NYSE: AII) is a leading provider of residential property insurance, focused on delivering innovative, reliable coverage to homeowners throughout the Southeast. Built on a foundation of integrity, resilience, and service, the Company’s mission is to be the most trusted and responsive insurance solution in the committed to protecting policyholders with strength and purpose—today and for generations to come. For more information, visit www.aii.com. Company Contact: Brian Foley, CFO American Integrity Insurance Group, Inc. 644- bfoley@aii.com Forward-Looking Statements Certain statements in this press release may be forward-looking statements. All statements other than statements of historical facts may be forward-looking statements. Forward-looking statements are neither historical facts nor assurances of future performance, and are based only on our current beliefs, expectations and assumptions regarding the future of our business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and control. Therefore, you should not rely on any of these forward-looking statements. Please Securities and Exchange Commission for further information on risks we may face. New risks emerge from time to time. It is not possible for our management to predict all risks, nor can we assess the impact of all factors on our business or the extent to which any contained in any forward-looking statements we may make. In light of these risks, uncertainties, and assumptions, the future events and trends discussed may not occur and forward-looking statements.

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