PROTECTING HOMES, BUILDING CAREERS
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WHO WE ARE
A Legacy of Integrity
Founding
Founder and CEO Bob Ritchie, a veteran executive in the insurance industry, founds American Integrity following the 2004 and 2005 hurricane seasons, which saw many insurance companies leave the state of Florida, either through dissolution or significant decreases of PIF in order to maintain profitability. It was in this maelstrom, with the insurance industry as a whole overwhelmed by integrity issues, that American Integrity entered the market with a commitment to provide sound, comprehensive insurance coverage and an extraordinary customer experience, a commitment we have kept for over 15 years.
Establishing a Premier Florida Homeowner’s Insurance Company
Another curve in the road came with Florida’s sinkhole crisis, but American Integrity stayed the course, adding policies from Citizens Insurance but focusing on creating voluntary sales channels, allowing the company to flourish.
Expanding Product Offerings
American Integrity added high value home and condo coverage to round out the product offering. See all of our products. Later, we added Instant Quote tools, expanded deductible options, and golf cart, and flood coverage.
Responding to Hurricanes and Man-Made Crises
The Atlantic had been fairly quiet since the company’s inception, but 2015 and ensuing years had seen Hurricanes Hermine, Matthew, Irma, Michael, Sally, Ian and Idalia batter both coasts and the Panhandle. American Integrity was there each time to serve policyholders. With the addition of more data insights, the team was also able to effectively uncover the roofing crisis in Florida and create strategies around identifying fraudulent contractors, in-source litigation, and creating sustainable legislative policy that protects policyholders and carriers from unscrupulous actors.
Expansion and Growth
While our focus has historically been on Florida, 2022 brought our first expansion into South Carolina and 2024 heralded our entry into Georgia, with more states on the horizon. Our financial stability has been tested in the Florida market and we have remained rated as “A, Exceptional Financial Stability” from Demotech. The future is bright, and we are looking for top level talent to join our team and create, expand and innovate as we move forward.
CURRENT FOOTPRINT
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OUR PRODUCTS
LEADERSHIP TEAM
Our leadership team comes from a variety of disciplines, with one common goal: propelling American Integrity forward profitably, cohesively, and with integrity. Each leader subscribes to an “open door” policy, where employees can (and do!) stop by their leader’s office to discuss their latest project, or their weekend plans. A lot of business is done in the hallways of American Integrity, where employees can feel comfortable stopping someone to ask a quick question or set up a meeting.
The American Integrity Leadership Team meets every Friday as a team to share insights into their discipline, but also more importantly, to engage and problem solve. There is no room for ego in this meeting; each leader brings something different to the table that fosters creative solutions to real problems.
When you work at American Integrity, your leader may say to you, “how can I serve you today?” Our leaders have the humility and the passion to serve others instead of dictating instructions, and subscribe to servant leadership. Servant leaders prioritize the growth and well-being of their employees using empathy, active listening, stewardship and a commitment to the employee’s personal growth through empowerment. If this sounds like a team you’d like to be on, apply for an open position and join our team!
FINANCIAL STABILITY
Protecting Homes While Delivering Financial Excellence
American Integrity has consistently earned an “A” (Exceptional) Financial Stability Rating ® from Demotech, Inc., a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurance carriers.
- We are able to fully place all re-insurance so we can pay all our claims and still be standing
- We have over 285,000 policyholders
- We have over $100 million in surplus
CURRENT FINANCIAL STATEMENT