Kingstone Companies, INC.: directors' dealings · United States · SEC (Form 4)

About Kingstone Companies, INC.

Kingstone Companies, Inc. (ticker: KINS) is a U.S.-listed insurance holding company traded on the Nasdaq in the United States. For international investors, Kingstone is best understood as a focused property & casualty insurer with a regional footprint rather than a broad national platform. Through its wholly owned subsidiary, Kingstone Insurance Company (KICO), the group underwrites property and casualty coverage primarily in personal lines, with a smaller commercial auto component. Its distribution model relies on retail and wholesale agents and brokers, which is typical for a specialty insurer and makes underwriting discipline, pricing accuracy, and claims management especially important. ([sec.gov](https://www.sec.gov/Archives/edgar/data/33992/000003399225000007/kins-20241231.htm?utm_source=openai)) The company traces its roots back to 1886, and its headquarters are in Kingston, New York. That historical footprint matters because Kingstone remains strongly tied to the Northeast, especially New York. KICO is a New York-domiciled carrier and the company’s core market remains New York, where it writes personal lines and commercial auto business. Kingstone also holds licenses in several neighboring states, including New Jersey, Rhode Island, Massachusetts, Connecticut, Pennsylvania, New Hampshire, and Maine. In 2024, the company disclosed that the large majority of direct written premiums still came from New York policies, underscoring both its concentration risk and its deep local market knowledge. ([sec.gov](https://www.sec.gov/Archives/edgar/data/33992/000003399225000007/kins-20241231.htm?utm_source=openai)) In terms of product mix, Kingstone sells homeowners insurance, dwelling fire, condominium/co-op coverage, renters insurance, personal umbrella policies, and commercial auto insurance. This is a fundamentally underwriting-driven business, where competitive advantage comes from selecting profitable risks, managing catastrophe exposure, and maintaining adequate reinsurance protection. Kingstone’s scale is mid-sized and regional, and the company described itself in recent releases as a Northeast regional property and casualty insurance holding company. It also said it was the 12th largest writer of homeowners insurance in New York in 2024, which gives investors a useful benchmark: the company is meaningful in its home state, but still far smaller than the largest U.S. multiline insurers. ([sec.gov](https://www.sec.gov/Archives/edgar/data/33992/000003399225000007/kins-20241231.htm?utm_source=openai)) Recent corporate developments have been notable. In 2025, Kingstone announced its inaugural $125 million catastrophe bond, a significant step in transferring peak catastrophe risk and strengthening capital management. The company also finalized its catastrophe reinsurance program for the July 1, 2025 to June 30, 2026 period. In early 2026, it reported preliminary record fourth-quarter and full-year 2025 results, followed by full-year results later in the quarter. From an analytical perspective, these updates suggest that Kingstone has been improving underwriting performance and capital flexibility, while continuing to operate in a business that is highly sensitive to loss severity, catastrophe experience, and reinsurance costs. For investors in the U.S. equity market, KINS represents a niche regional insurer with a clear operating focus and a concentrated geographic base. ([kingstonecompanies.com](https://www.kingstonecompanies.com/newsroom/news-details/2025/Kingstone-Successfully-Sponsors-Inaugural-125-Million-Catastrophe-Bond/default.aspx?utm_source=openai))