Director buys 23,000 Neptune Insurance (NP) shares in open-market trade

Rhea-AI Filing Summary

Neptune Insurance Holdings Inc. director Michael Warren Vostrizansky bought Class A common stock in the open market. He acquired 23,000 shares at a weighted average price of $21.4963 per share, leaving him with 23,000 shares held directly after the transaction. The purchase was executed through multiple trades within a price range of $21.35 to $21.67 per share.

Insider Trade Summary

Net Buyer: 23,000 shares ($494,415)

Net Buy 1 txn

Insider Vostrizansky Michael Warren

Role Director

Bought 23,000 shs ($494K)

Type	Security	Shares	Price	Value
Purchase	Class A Common Stock	23,000	$21.4963	$494K

Holdings After Transaction: Class A Common Stock — 23,000 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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^*

Vostrizansky Michael Warren

(Last) (First) (Middle)

C/O NEPTUNE INSURANCE HOLDINGS INC.

400 6TH STREET S, SUITE 2

(Street)

ST. PETERSBURG FL 33701

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Neptune Insurance Holdings Inc. [ NP ]

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

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

3. Date of Earliest Transaction (Month/Day/Year)
02/20/2026

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
Class A Common Stock	02/20/2026		P		23,000	A	$21.4963(1)	23,000	D

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 price reported is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $21.35 to $21.67, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the range set forth in this footnote.

	/s/ Michael Warren Vostrizansky	02/24/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Neptune Insurance (NP) disclose?

Neptune Insurance reported that director Michael Warren Vostrizansky bought 23,000 shares of Class A common stock. The open-market purchase was recorded at a weighted average price of $21.4963 per share, reflecting a direct increase in his shareholdings.

How many Neptune Insurance (NP) shares did the director buy?

The director acquired 23,000 shares of Neptune Insurance Class A common stock. This entire amount represents a new position, bringing his directly held balance to 23,000 shares following completion of the open-market transaction.

What price did the Neptune Insurance (NP) director pay per share?

He paid a weighted average price of $21.4963 per share for the 23,000 shares. The filing notes the purchases occurred in multiple trades between $21.35 and $21.67 per share, inclusive, across the transaction date.

Is the Neptune Insurance (NP) insider ownership direct or indirect?

The reported 23,000 Neptune Insurance shares are held as direct ownership by the director. The filing classifies the transaction with ownership code “D,” indicating direct beneficial ownership rather than through an intermediary entity.

What type of transaction did the Neptune Insurance (NP) director execute?

The transaction was an open-market purchase of Class A common stock. It is coded as “P” in the filing, which corresponds to a purchase in open market or private transaction under the SEC’s Form 4 transaction codes.

Did the Neptune Insurance (NP) filing mention multiple trade prices?

Yes. The filing explains the shares were bought in several trades between $21.35 and $21.67 per share. The reported $21.4963 figure is a weighted average, and detailed trade breakdowns are available from the reporting person upon request.