Company Overview

American Integrity Insurance Group, Inc. (AII) is a U.S.-based property and casualty insurance holding company specializing primarily in residential insurance products. The company operates within the property insurance and casualty insurance industries, with a strong focus on homeowners, condominium, and dwelling fire policies. Its core revenue is generated through the underwriting of personal lines insurance policies and the collection of policyholder premiums.

AII is recognized for its concentration on catastrophe-exposed markets, particularly windstorm-prone regions, and for its vertically integrated underwriting and risk management approach. The company was founded in 2006 and was established to address capacity constraints in Florida’s residential insurance market following major hurricane events. Since inception, it has evolved into one of the larger domestically owned residential property insurers in its core markets, emphasizing underwriting discipline, localized market knowledge, and claims responsiveness.

Business Operations

The company conducts business primarily through its insurance underwriting subsidiaries, including American Integrity Insurance Company of Florida, which serves as the principal operating entity. Revenue is generated almost entirely from earned premiums, with additional income derived from investment portfolios backing policyholder reserves. AII’s operations are centered on personal residential insurance products rather than commercial or specialty lines.

Operations are predominantly domestic, with policies written in select U.S. states. The company maintains in-house capabilities for underwriting, actuarial analysis, claims management, and reinsurance procurement. AII relies extensively on third-party and global reinsurance partners to manage catastrophe exposure, a critical component of its operating model given its geographic risk profile. Data inconclusive based on available public sources regarding material joint ventures outside standard reinsurance arrangements.

Strategic Position & Investments

AII’s strategy emphasizes disciplined growth within catastrophe-exposed but underserved insurance markets, balancing premium expansion with risk-adjusted returns. The company prioritizes conservative underwriting standards, rate adequacy, and strong reinsurance coverage to protect capital during severe weather events. Growth initiatives have historically focused on selective geographic expansion, product refinement, and technology-enabled underwriting efficiency.

Investment activity is primarily oriented toward maintaining a conservative, liquidity-focused investment portfolio aligned with insurance regulatory requirements. Publicly available information does not indicate material acquisitions outside routine portfolio optimization or the formation of large non-insurance operating subsidiaries. Data inconclusive based on available public sources regarding material equity investments or acquisitions beyond the core insurance business.

Geographic Footprint

American Integrity Insurance Group’s operations are concentrated in the United States, with a dominant presence in Florida, which represents its largest market by policy count and premium volume. The company has also expanded into other Southeastern U.S. states, including Georgia and South Carolina, to diversify geographic risk and reduce reliance on a single state market.

Corporate headquarters and principal operations are based in Florida, aligning operational leadership, underwriting, and claims functions close to its primary customer base. The company does not maintain international underwriting operations, and its global exposure is limited to relationships with international reinsurance markets rather than direct policy issuance abroad.

Leadership & Governance

American Integrity Insurance Group was founded by Bob Rader, who played a central role in shaping its market-focused and underwriting-driven culture. The company’s leadership emphasizes financial stability, policyholder service, and long-term sustainability in volatile insurance markets. Governance practices are aligned with U.S. insurance regulatory standards and state-level oversight.

Key members of the executive leadership team include:

• Bob Rader – Founder
• Eric Grannon – President and Chief Executive Officer
• Shawn Byrnes – Chief Financial Officer
• John Anfuso – Chief Operating Officer
• Renee Jadusingh – Chief Administrative Officer

Leadership philosophy centers on prudent risk management, operational discipline, and maintaining strong capital and reinsurance positions to support long-term policyholder obligations.