American Coastal Insurance Corporation (NASDAQ:ACIC) outlined its strategy for navigating a softer Florida commercial residential insurance market during a Midwest IDEAS Investor Conference presentation. The company emphasized underwriting discipline, reinsurance protection, and planned expansion into the excess-and-surplus (E&S) market. It strengthened its catastrophe protection for 2026–2027, securing $1.7 billion in first-event named-windstorm coverage and reducing its retention to $23.5 million. American Coastal plans to enter the E&S market through its Arizona-based ACES subsidiary, targeting Florida, Texas, and South Carolina business beginning in the second quarter of 2027. For the first half of 2026, gross premiums earned fell to $280 million from $328 million year over year, with net income at $41 million compared to $48 million a year earlier.