American Coastal Insurance

Rating Overview

American Coastal Insurance is Medium Risk.

American Coastal Insurance Corporation is Medium Risk. The company often yields to political activism in shaping corporate governance, potentially alienating consumers, dividing employees, and harming shareholders. The company elevates merit, excellence, and integrity ahead of race and identity-based policies. American Coastal Insurance occasionally embraces corporate initiatives that redirect its central focus from business goals to partisan policies and divisive issues at times. This approach fails to safeguard free exercise, free speech, and free enterprise.

Rating Criteria

Corporate Weaponization Risk Levels
Criteria	Risk Level
Cancellations	Medium Risk
Discriminatory Philanthropy	Lower Risk
Employment Protection	Medium Risk

Corporate Weaponization ⓘ

Corporate Governance and Public Policy Risk Levels
Criteria	Risk Level
Advocacy Bias	High Risk
Funding	Lower Risk
Political Actions	No Data

Corporate Governance and Public Policy ⓘ

Rating Criteria Detail

Criteria Risk Level Rationale

Corporate Weaponization

Criteria:

Has canceled customers, suppliers, or vendors due to their political views or religious beliefs OR corporately boycotts, divests, or sanctions regions, people groups, or industries.

Risk Level:

Medium

Rationale:

American Coastal Insurance integrates ESG into its business practices. “Our investment process will continue to include oversight from the Investment Committee of the Board of Directors, but Management will incorporate ESG considerations into investment analysis and asset allocation recommendations made internally as well as by outside investment managers” (1). However, the company has not canceled customers, suppliers, or vendors based on political views or religious beliefs (2).

Criteria:

Charitable giving (including employee matching programs) policies or practices discriminate against charitable organizations based on views or religious beliefs.

Risk Level:

Lower

Rationale:

American Coastal Insurance does not appear to discriminate against charitable organizations based on views or beliefs (1)(2).

Criteria:

Employment policies fail to protect against viewpoint or other discrimination and/or are ideological in nature.

Risk Level:

Medium

Rationale:

American Coastal Insurance does not provide viewpoint protections for its employees (1).

Corporate Governance and Public Policy

Criteria:

Uses corporate reputation to support causes, organizations, or policies hostile to freedom of expression.

Risk Level:

High

Rationale:

American Coastal Insurance is committed to net zero carbon emissions by 2030 (1). The company supports DEI within its business practices. From its 2021 Sustainability & Responsibility Report: “By embracing the principles of Diversity, Equity and Inclusion (DEI) in the workplace, UPC Insurance will ultimately have a greater understanding of customer needs and preferences which should lead to a sustainable competitive advantage” (2). The company supports ESG within its business practices. From its 2024 Annual Report: “In addition to our cultural goals, we are committed to conducting business in a manner that supports environmental, social, and governance (ESG) matters” (3).

Criteria:

Uses corporate funds to advance ideological causes, organizations, or policies hostile to freedom of expression.

Risk Level:

Lower

Rationale:

American Coastal Insurance has not used corporate funds to advance ideological causes, organizations, or policies (1).

Criteria:

Uses corporate political actions and/or financial contributions for ideological, non-business purposes.

Risk Level:

N/A

Rationale:

American Coastal Insurance does not operate a PAC or engage in lobbying at this time (1)(2)(3).