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American Integrity Insurance Company

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Market Research Report



Company Overview



American Integrity Insurance Company is a leading property insurance provider based in Tampa, Florida, established in 2006 by Robert "Bob" Ritchie. The company was formed in response to the scarcity of reliable home insurance options following the challenging 2004 hurricane season in Florida.

Mission and Vision



American Integrity Insurance is committed to delivering comprehensive insurance solutions with an emphasis on exceptional customer experiences, ethical practices, and professional service to homeowners in Florida.

Product Offerings



The product portfolio of American Integrity includes a diverse range of insurance products:

  • Traditional and high-value homeowners insurance.

  • Condo, vacant, and manufactured homes insurance.

  • Rental property insurance.

  • Additional protections such as flood insurance, identity theft coverage, and equipment breakdown coverage.


Leadership Team



  • Robert "Bob" Ritchie: Founder, President & CEO. With over 35 years in insurance, Bob focuses on business transformation and property insurance reform in Florida. He holds a BS in Finance from the University of Evansville.

  • Jon Ritchie: Chief Operating Officer, manages company profitability and daily operations, and has a background in finance and entrepreneurship with degrees from DePaul University and an MBA from the Kelley School of Business, Indiana University.

  • Dick Dowd: Executive Vice President of Sales and Marketing, leads profit and market share strategies, and has experience in product development and distribution management.

  • Angie Quinn: Executive Vice President & Chief Human Resources Officer, focuses on organizational excellence and employee engagement, graduated from Peru State College, Nebraska.

  • Brent Radeloff: Executive Vice President of Product, Pricing, and Underwriting, experienced in managing P&L and strategic projects in companies like The Hartford and Travelers.

  • Jerry Higgins: Senior Vice President of IT, oversees software development and IT operations with 30 years of experience.

  • Michael Sperounes: Senior Vice President of Litigation, leads the litigation department with over 30 years of trial experience centered on Florida property insurance disputes.

  • Wei Xie: Senior Vice President of Pricing and Actuarial Services, manages pricing and predictive analytics with experience from Zurich Insurance Company and Berkley Oil and Gas.


Financial Stability



American Integrity focuses on long-term stability rather than rapid growth, offering competitive insurance premiums tailored to Florida residents, enhancing its reputation as a prudent choice for homeowners insurance.

Recent Developments



The company enhances its leadership strategically to support growth and operational capabilities, addressing the evolving needs of Florida's property insurance market with a focus on customer satisfaction and market penetration.

Contact Information



  • Customer Service: 1-866-968-8390

  • 24/7 Claims: 1-866-277-9871

  • Location: 5426 Bay Center Drive, 6th Floor, Tampa, FL 33609


American Integrity Insurance strives to innovate and deliver exceptional insurance solutions, leveraging its robust leadership team and customer-focused service offerings.

Competitor Profiling



American Integrity operates in a competitive landscape with several key competitors:

Heritage Insurance Holdings, Inc.



  • Location: Tampa, Florida

  • Services: Offers home, condo, rental property, and commercial residential insurance.

  • Distinct Features: Publicly traded on the NYSE (HRTG). Known for providing high-quality property insurance with competitive rates.

  • Management: CEO Ernie Garateix, leading with expertise in the insurance market.


The Travelers Companies, Inc.



  • Services: Provides property casualty insurance for auto, home, and business.

  • Market Position: The only property casualty company in the Dow Jones Industrial Average.

  • Scale: Over 30,000 employees and operations in multiple countries.


Tower Hill Insurance Group LLC



  • Founded: 1972, Gainesville, Florida

  • Attributes: Offers a broad range of coverage and focuses on customer service and financial stability.

  • Market Presence: Serves over 1.7 million Floridians.


Pinnacol Assurance



  • Specialization: Workers' compensation insurance.

  • Market Leadership: Colorado’s top-rated workers' compensation insurance provider.

  • Attributes: Known for safety resources and claims management.


Safeco Insurance



  • Parent Company: Liberty Mutual Group

  • Focus Areas: Auto, homeowners, and liability insurance.

  • Sales Model: Sells primarily through independent agents.

  • Reputation: Known for strong customer service and flexible insurance options.


Financial Perspective



American Integrity Insurance stands as a midsized player with an estimated annual revenue of $98.2 million, showcasing significant potential for growth and competitive engagement.

Competitive Strategies



Navigating a market marked by a mix of independent and national carriers, American Integrity faces the challenge and opportunity of differentiating its offerings through enhanced customer service, technological integration, or strategic partnerships to align with the success models of market leaders.