[8-K] Kingstone Companies, Inc. Reports Material Event

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Insurance Risk Analyst

Kingstone finalized its catastrophe reinsurance program for 2025-2026, a crucial risk management move for the property insurer.

Kingstone Companies has announced the completion of its catastrophe reinsurance program covering July 2025 through June 2026. This is a significant development for the company's risk management framework. For property insurers like Kingstone, catastrophe reinsurance represents the primary financial protection against large-scale loss events such as hurricanes, winter storms, and other natural disasters.

The timing of this announcement aligns with the typical mid-year renewal cycle for reinsurance contracts in the property insurance sector, particularly for carriers with exposure in the northeastern United States where hurricane season begins June 1. While the filing doesn't disclose specific coverage limits, attachment points, or pricing, the mere completion of the program provides assurance that Kingstone has secured crucial protection for its balance sheet.

For stakeholders, this reinsurance renewal is particularly important as it demonstrates Kingstone's continued ability to transfer catastrophe risk in what has been a challenging reinsurance market for property insurers. The company's ability to secure coverage suggests favorable standing with reinsurance partners, though without details on terms and conditions, it's impossible to assess whether the program represents an improvement or deterioration from previous arrangements.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): June 23, 2025

KINGSTONE COMPANIES, INC.

(Exact name of registrant as specified in its charter)

Delaware		000-01665		36-2476480
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

120 Wood Road Kingston, New York		12401
(Address of principal executive offices)		(Zip code)

Registrant's telephone number, including area code (845) 802-7900

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $0.01 par value per share	KINS	NASDAQ Capital Market

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter):

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 7.01 Regulation FD Disclosure.

On June 23, 2025, Kingstone Companies, Inc. (the “Company”) issued a press release (the “Press Release”) announcing that the Company has finalized its catastrophe reinsurance program for the period July 1, 2025 through June 30, 2026. A copy of the Press Release is furnished as Exhibit 99.1 hereto.

The information in the Press Release is being furnished, not filed, pursuant to this Item 7.01. Accordingly, the information in the Press Release will not be incorporated by reference into any registration statement filed by the Company under the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference. The furnishing of the information in this Report with respect to the Press Release is not intended to, and does not, constitute a determination or admission by the Company that the information in this Report with respect to the Press Release is material or complete, or that investors should consider this information before making an investment decision with respect to any security of the Company.

Item 9.01 Financial Statements and Exhibits.

(d)	Exhibits.
	99.1	Press release, dated June 23, 2025, issued by Kingstone Companies, Inc.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	KINGSTONE COMPANIES, INC.
Dated:  June 23, 2025	By:	/s/ Meryl Golden
		Meryl Golden
		Chief Executive Officer and President