Welcome to our dedicated page for Kingstone SEC filings (Ticker: KINS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Loss-reserve roll-forwards, layered reinsurance treaties, and catastrophe exposure tables make Kingstone Companies Inc. filings tough to decode. If you have ever hunted through a 300-page 10-K for the homeowners loss ratio or scrolled EDGAR at midnight looking for Form 4 insider trades, you know the challenge.
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Whether you’re an analyst understanding Kingstone Companies SEC documents with AI or an investor watching Kingstone Companies executive stock transactions Form 4, you’ll find every filing type—10-K, 10-Q, 8-K, DEF 14A, Form 4—indexed and updated in real time. Complex insurance disclosures, now clear and actionable.
Kingstone Companies, Inc. (KINS) reported growing underwriting scale and strengthening liquidity while managing catastrophe risk and reserving challenges. Net premiums earned rose $30,614,000 (51.8%) to $89,738,000 for the six months ended June 30, 2025, driven by quota-share adjustments and market opportunity. Net investment income increased to $4,349,000 and cash and invested assets totaled $273,550,000. Net losses and LAE were $45,102,000, with a net loss ratio improving to 50.3% from 54.3% a year earlier. The company reduced quota-share cessions from 27% to 16% in 2025 and secured a $125,000,000 multi-year catastrophe bond priced at 4.5% covering July 1, 2025 through June 30, 2029. Management disclosed a 5-year plan targeting $500 million direct written premium and on July 22, 2025 declared a $0.05 quarterly dividend.
On 6 Aug 2025, Kingstone Companies (NASDAQ: KINS) filed an 8-K disclosing board and shareholder-meeting outcomes.
Board changes (Item 5.02): Directors Carla D’Andre and Timothy McFadden concluded their service. Pranav Pasricha, noted for insurance-technology expertise, was elected to the six-member board.
Annual Meeting results (Item 5.07):
- All six nominees were re-elected; support ranged from 94.0% to 99.1% of votes cast.
- Auditor CBIZ CPAs P.C. ratified with 9,997,477 for / 24,421 against (99.7% approval).
- Say-on-Pay passed: 5,517,003 for (93.8%), 324,524 against.
- Investors chose annual advisory votes on executive compensation (4,940,857 votes).
No financial performance metrics, transactions, or guidance were reported. The filing is primarily a corporate-governance update with limited immediate earnings impact.
Kingstone Companies announced its Annual Meeting of Stockholders to be held virtually on August 6, 2025. The meeting will address several key agenda items including:
- Election of six directors
- Ratification of CBIZ CPAs P.C. as independent auditor
- Non-binding advisory vote on executive compensation
- Advisory vote on frequency of future compensation votes
The filing reveals executive compensation details for 2024, with CEO Meryl S. Golden receiving total compensation of $1,158,658, including a $500,000 base salary and $496,358 bonus. Other named executives include Sarah Chen (Chief Actuary) with total compensation of $708,094 and Jennifer Gravelle (CFO) with $631,080.
Stockholders of record as of June 13, 2025 are eligible to vote, with 14,007,716 shares outstanding. The company implements cumulative voting for director elections and requires a majority of shares (7,003,859) for quorum. Proxy materials were made available to stockholders on June 26, 2025.
Schedule 13G Filing Overview – Kingstone Companies, Inc. (Ticker: KINS)
On 06 June 2025, Gregory Fortunoff and Scott Fortunoff jointly filed a Schedule 13G disclosing passive ownership of Kingstone Companies, Inc. common shares. The filing reflects positions as of the same date and is based on 14,005,797 shares outstanding reported in Kingstone’s 10-Q dated 15 May 2025.
Individual Beneficial Ownership
- Gregory Fortunoff: 611,905 shares beneficially owned comprising 4.4 % of the outstanding class.
• 535,905 shares under sole voting & dispositive power.
• 76,000 shares under shared voting & dispositive power. - Scott Fortunoff: 231,000 shares beneficially owned comprising 1.6 % of the class.
• 155,000 shares under sole voting & dispositive power.
• 76,000 shares under shared voting & dispositive power.
Combined Position
Aggregating their disclosed holdings, the Fortunoff family controls 842,905 shares, or roughly 6.0 % of Kingstone’s outstanding common stock. The Schedule 13G, rather than a 13D, signals that the shares are not held for the purpose of influencing control; the certification in Item 10 explicitly states no activist intent.
Filing Mechanics & Classification
- Rule elected: 13d-1(c) passive investor exemption.
- Type of reporting persons: “IN” (Individuals).
- No parent subsidiaries, group members, or control persons identified beyond the two filers.
- Exhibit 99.1 contains the required Joint Filing Agreement.
Implications for Investors
The disclosed stake is below the 5 % threshold for any single filer, limiting immediate governance influence, yet the combined 6 % position represents a meaningful minority holding that may align the Fortunoffs’ interests with other shareholders. No purchase prices, transaction dates, or intentions to alter company strategy are provided, so the filing is primarily informational with low direct impact on Kingstone’s near-term operations or capital structure.
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