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Ategrity Specialty Insurance cuts expense ratio, boosts underwriting income
Ategrity Specialty Insurance reported Q2 2026 combined ratio of 85.9% and said underwriting income rose 66.9% to $16.0 million as its expense ratio contracted by 350 basis points to 27.5%.
Ategrity Specialty Insurance delivered a Q2 2026 combined ratio of 85.9%, improving from 88.9% in the year-ago quarter, as the company said its expense ratio narrowed by 350 basis points to 27.5%. Insurance Business reports that the change reflected improved operating leverage tied to Ategrity’s centralized underwriting platform.
In the quarter, Ategrity’s gross written premiums increased 23.4% to $206.8 million. The loss ratio rose 50 basis points to 58.5%, with the company citing a business mix shift toward the brokerage channel and lower catastrophe activity versus the prior year period.
Underwriting income climbed 66.9% to $16.0 million, while net earned premiums grew 30.9% to $113.8 million and net written premium rose 30.8% to $153.4 million. Casualty lines drove growth, with gross written premiums up 24.7% year over year to $133.4 million, and property premiums increasing 21.3% to $73.3 million, helped by expansion in lower-risk geographies including the Midwest and New England.
The company also reported stronger investment results, with net investment income rising 6.5% to $12.7 million and net realized and unrealized investment gains of $18.6 million versus $1.4 million in Q2 2025. Ategrity’s pre-tax income reached $46.4 million compared with $22.3 million a year earlier, and net income attributable to stockholders was $33.5 million, or $0.67 per diluted share.