American Integrity Insurance

Rate setting is regulated by the Florida OIR and competitive dynamics cap unilateral pricing power. That said, AII benefited from 2022‑2023 legislative reforms curbing litigation, improving loss frequency and severity trends, and from reinsurance costs falling faster than primary rates in 2026, enabling margin expansion without aggressive pricing.

Average gross premium per policy has been stable while mix shifts and selective rate actions support unit economics. Pricing power is situational and cyclical rather than intrinsic.