---
title: "American Coastal outlines $150M-$200M excess capital and lifts reinsurance exhaustion point to over $1.6B"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/285307212.md"
description: "American Coastal Insurance Corporation reported a net income of $19.3 million for Q1 2026, with a combined ratio of 66%. The company highlighted a $150M-$200M excess capital and raised its reinsurance exhaustion point to over $1.6 billion. Despite a softening commercial property insurance market, the policy count and exposure base increased. The CEO noted that guidance remains unchanged for now, with potential revisions after Q2. The second quarter is expected to be the strongest for premium production, while the E&S initiative is anticipated to contribute more significantly in 2027."
datetime: "2026-05-06T03:55:18.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/285307212.md)
  - [en](https://longbridge.com/en/news/285307212.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/285307212.md)
---

# American Coastal outlines $150M-$200M excess capital and lifts reinsurance exhaustion point to over $1.6B

Earnings Call Insights: American Coastal Insurance Corporation (ACIC) Q1 2026 Management View “During the first quarter of 2026, American Coastal continued to be patient and disciplined in navigating a rapidly softening commercial property insurance market,” said President & CEO Bennett Bradford Martz, adding that “most of our risk portfolio contin...

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