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.
Kingstone Companies, Inc. filings document regulatory disclosures for a Nasdaq-listed property and casualty insurance holding company. Recent Form 8-K reports cover earnings releases and investor presentations under Item 2.02, Regulation FD disclosures for dividends and shareholder communications, and exhibits furnished with company press releases.
The filing record also includes governance and compensation disclosures, including executive employment-agreement terms reported under Item 5.02. Cover-page disclosures identify Kingstone’s common stock, $0.01 par value per share, traded under KINS on Nasdaq.
Kingstone Companies, Inc. director William L. Yankus sold 13,500 shares of Common Stock at $18.00 per share in an open-market transaction. After this sale, he directly holds 84,972 shares, including 3,149 unvested shares received as director fees. The sale was executed under a pre-arranged Rule 10b5-1 trading plan adopted on September 8, 2025, indicating the trade was scheduled in advance rather than timed discretionarily.
Kingstone Companies, Inc. plans to release its financial results for the first quarter ended March 31, 2026 after the market closes on May 7, 2026. Management will then hold a conference call on May 8, 2026 at 8:30 a.m. ET to discuss business operations and first quarter results.
The call will be accessible via U.S. toll-free and international dial-in numbers and through a webcast in the Investor Relations section of the company’s website. A replay of the webcast will be available for about 30 days, giving investors extended access to management’s commentary.
Kingstone Companies, Inc. released a shareholder letter highlighting record 2025 results and a disciplined expansion into California’s excess and surplus homeowners market. Net income more than doubled to $40.8 million, diluted EPS rose 95% to $2.88, and the combined ratio improved to 75%, driving a 43% return on equity. Since year-end 2023, direct premiums written grew 39% while the combined ratio improved by 30 points, which management describes as structural rather than weather-driven. The company targets $500 million in written premium by year-end 2029 and plans to enter California in Q2 2026 on an E&S basis, initially keeping California under 5% of 2026 premium and ceding a 30% quota share on that business.
KINGSTONE COMPANIES, INC. Chief Actuary and Senior VP Minlei Chen reported compensation-related equity transactions. On March 3, 2026, Chen exercised stock options covering 3,333 shares of common stock at $2.25 per share and received a restricted stock grant of 8,624 common shares.
To cover withholding taxes on the vested stock grant, 1,512 shares were withheld, recorded as a tax-withholding disposition rather than an open-market sale. After these transactions, Chen directly owned 39,786 shares of common stock. Footnotes state that this total includes 16,060 unvested restricted shares scheduled to vest in tranches between June 18, 2026 and March 3, 2028.
Kingstone Companies, Inc. Chief Actuary and Senior VP Minlei Chen exercised stock options to acquire 3,334 shares of common stock on January 26, 2025 at an exercise price of $2.25 per share. Following the transaction, Chen directly owns 11,739 common shares.
KINGSTONE COMPANIES, INC. senior vice president and chief claims officer David Craven Fernandez reported his existing equity holdings in the company. He holds 22,142 shares of common stock directly, including 11,095 unvested restricted shares scheduled to vest in stages through March 3, 2028. He also holds a stock option on 10,000 shares of common stock at an exercise price of $2.2500 per share, which vests in three equal annual installments through January 5, 2027 and expires on January 5, 2029.
Kingstone Companies is a regional property and casualty insurer that writes mainly personal lines homeowners business through subsidiary Kingstone Insurance Company. For the year ended December 31, 2025, gross written premiums were $277.8 million, up 14.8% from $242.0 million in 2024, with 94.7% from personal lines and 98.0% of direct written premiums coming from New York.
In 2025 the group sold its Kingston, New York headquarters and an adjacent property to Ulster County for $3.6 million and fully repaid its 13.75% Senior Notes due June 30, 2026 after principal prepayments of $3.5 million and $2.45 million. Kingstone increased the top limit of its catastrophe reinsurance program to $440 million, targeting protection for a one‑in‑100‑year storm, and entered an agreement to offer replacement homeowners policies in Downstate New York tied to a competitor’s withdrawal from roughly $70 million of written premium.
The company paid two cash dividends of $0.05 per share in 2025, withdrew from all New Jersey business, and outlined a 5‑Year Growth Plan to reach $500 million in direct written premium through organic growth in New York and expansion into states including California, where it plans to launch excess and surplus lines in the second quarter of 2026. Net loss and loss adjustment expense reserves rose to $107.3 million at December 31, 2025 from $93.9 million a year earlier, and the filing emphasizes risks from catastrophes, heavy New York concentration, reinsurance availability, regulatory changes, reserve uncertainty, cybersecurity and climate-related pressures.
Gregory and Scott Fortunoff filed a Schedule 13D on Kingstone Companies, Inc. after building sizable positions in its common stock. Based on 14,397,526 shares outstanding as of December 31, 2025, Gregory Fortunoff reports beneficial ownership of 848,650 shares, or 5.9% of the company, while Scott Fortunoff reports 240,660 shares, or 1.7%.
They state they bought shares in open‑market transactions using personal funds of about $10,449,815 for Gregory and $1,885,798.40 for Scott. The investors argue Kingstone is undervalued despite improved stability, reduced debt and a comprehensive reinsurance program, and have asked the Board to begin a formal review of strategic alternatives, including a possible sale of the company, to maximize value for all shareholders.
Gregory also holds American‑style call options on 90,400 shares at $15 expiring on April 17, 2026 and 15,000 shares at $17.50 expiring on July 17, 2026, and has written call options on 1,000 shares at $20 expiring on April 17, 2026.
KINGSTONE COMPANIES, INC. Chief Actuary and Senior VP Minlei Chen reported equity compensation changes involving company common stock. On March 3, 2026, Chen acquired 8,624 shares of common stock at $0.00 per share as a restricted stock grant. As part of the same event, 1,512 shares were disposed of at $16.53 per share, with the shares withheld from the vested grant to cover associated tax withholding obligations. Following these transactions, Chen directly held 36,452 common shares, including 16,060 unvested restricted shares that are scheduled to vest in tranches between June 18, 2026 and March 3, 2028, and also held 10,000 stock options that vest in stages through January 5, 2027.