Kingstone Companies (KINS) CEO details new stock awards and taxes

Rhea-AI Filing Summary

Kingstone Companies CEO and President Meryl S. Golden, who also serves as a director, reported several equity transactions in Kingstone Companies, Inc. common stock. On December 31, 2025, she acquired 1,663 shares at $12.78 per share through the Company’s Employee Stock Purchase Plan. On January 2, 2026, 7,735 shares were withheld from a vested stock grant at $16.83 per share to cover associated withholding taxes. On January 9, 2026, she received a restricted stock grant of 40,000 shares at $0, which the filing states will vest on January 9, 2027. After these transactions, she beneficially owned 261,675 common shares directly and an additional 25,000 shares indirectly through an IRA. The explanations note that a portion of these holdings consists of unvested restricted stock scheduled to vest in 2026 and 2027.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Golden Meryl S.

(Last) (First) (Middle)

C/O KINGSTONE COMPANIES, INC.

120 WOOD ROAD

(Street)

KINGSTON NY 12401

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
KINGSTONE COMPANIES, INC. [ KINS ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CEO, President

3. Date of Earliest Transaction (Month/Day/Year)
12/31/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/31/2025		A		1,663(1)	A	$12.78	229,410(2)	D
Common Stock	01/02/2026		F(3)		7,735	D	$16.83	221,675(4)	D
Common Stock	01/09/2026		A		40,000	A	$0(5)	261,675(6)	D
Common Stock								25,000	I	IRA

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The shares were acquired pursuant to the Company's Employee Stock Purchase Plan.

2. Includes 40,000 shares received pursuant to unvested restricted stock grant. Such shares vest to the extent of 20,000 shares on January 2, 2026 and 20,000 shares on December 31, 2026.

3. Shares were withheld from vested stock grant to pay associated withholding taxes.

4. Includes 20,000 shares received pursuant to unvested restricted stock grant. Such shares vest on December 31, 2026.

5. Shares received pursuant to restricted stock grant. Such shares vest on January 9, 2027.

6. Includes 60,000 shares received pursuant to unvested restricted stock grants. Such shares vest to the extent of 20,000 shares on December 31, 2026 and 40,000 shares on January 9, 2027.

	/s/ Meryl S. Golden	01/09/2026
	** Signature of Reporting Person	Date
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FAQ

What insider activity did Kingstone Companies (KINS) report for Meryl S. Golden?

The filing shows that Meryl S. Golden, Kingstone’s CEO, President, and director, acquired shares through the Employee Stock Purchase Plan, had shares withheld from a vested stock grant for taxes, and received a 40,000-share restricted stock grant, updating her total direct and indirect beneficial ownership in Kingstone common stock.

How many Kingstone Companies shares did the CEO acquire through the Employee Stock Purchase Plan?

On December 31, 2025, the CEO acquired 1,663 shares of Kingstone Companies common stock at $12.78 per share, and the filing explains these were obtained under the Company's Employee Stock Purchase Plan.

What is the size and vesting schedule of the CEO’s new restricted stock grant at Kingstone Companies?

On January 9, 2026, the CEO received a restricted stock grant of 40,000 shares of Kingstone common stock at $0, with the filing stating that these shares vest on January 9, 2027. The explanations also note other unvested restricted shares scheduled to vest on December 31, 2026 and January 9, 2027.

Why were some Kingstone Companies shares recorded with transaction code F for the CEO?

The transaction on January 2, 2026 with code F involved 7,735 shares of Kingstone common stock at $16.83 per share. The filing explains that these shares were withheld from a vested stock grant to pay associated withholding taxes, rather than being an open-market sale.

How many Kingstone Companies shares does the CEO beneficially own after the reported transactions?

After the reported transactions, the CEO beneficially owned 261,675 shares of Kingstone common stock directly and 25,000 shares indirectly through an IRA, according to the ownership table in the filing.

What unvested restricted stock holdings are described for the Kingstone CEO?

The explanations state that the CEO’s holdings include unvested restricted stock, including 40,000 shares vesting in two 20,000-share tranches on January 2, 2026 and December 31, 2026, and that 60,000 unvested shares are scheduled to vest in amounts of 20,000 shares on December 31, 2026 and 40,000 shares on January 9, 2027.