[Form 4] Neptune Insurance Holdings Inc. Insider Trading Activity

Rhea-AI Filing Summary

Neptune Insurance Holdings Inc. (NP)$20 per share through a directed share program connected to the company’s initial public offering of Class A Common Stock. After this transaction, the director is shown with direct ownership of 653,500 shares.

The filing also reports substantial indirect holdings. One trust holds 4,599,000 shares of Class A Common Stock, with the director and Steve Wynne serving as trustees. Another trust dated May 7, 2024 holds 511,000 shares, with the director and Alexis Carlon as trustees. The filing is submitted by one reporting person in the capacity of director.

11/14/2025 - 07:09 PM

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
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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^*

Carlon Jonathan Winant

(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)
10/02/2025

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
Class A Common Stock								4,599,000	I	Held by the JWC Irrevocable Trust(1)
Class A Common Stock								511,000	I	Held by the Carlon Family Trust, dated May 7, 2024(2)
Class A Common Stock	10/02/2025		P		5,000	A	$20(3)	653,500	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 Reporting Person and Steve Wynne are the trustees of the trust.

2. The Reporting Person and Alexis Carlon are the trustees of the trust.

3. Represents shares purchased through a directed share program in connection with the the Issuer's initial public offering of Class A Common Stock. These shares were purchased at the public offering price of $20 per share.

	/s/ James Steiner, by power of attorney	11/14/2025
	** 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 was reported for Neptune Insurance Holdings Inc. (NP)?

A director of Neptune Insurance Holdings Inc. (NP) reported buying 5,000 shares of Class A Common Stock on 10/02/2025 at $20 per share.

At what price did the Neptune Insurance (NP) director purchase the shares?

The director purchased the 5,000 Class A Common shares at the public offering price of $20 per share through a directed share program.

How many Neptune Insurance (NP) shares does the director hold directly after the transaction?

Following the reported transaction, the director directly beneficially owns 653,500 shares of Neptune Insurance Holdings Inc. Class A Common Stock.

What indirect share holdings are reported for the Neptune Insurance (NP) director?

The filing shows indirect ownership of 4,599,000 shares of Class A Common Stock held by the JWC Irrevocable Trust and 511,000 shares held by the Carlon Family Trust dated May 7, 2024.

What is the director’s relationship to the trusts holding Neptune Insurance (NP) shares?

The director and Steve Wynne are trustees of the JWC Irrevocable Trust holding 4,599,000 shares, and the director and Alexis Carlon are trustees of the Carlon Family Trust holding 511,000 shares.

Was the Neptune Insurance (NP) share purchase related to the IPO?

Yes. The 5,000 shares were purchased through a directed share program in connection with Neptune Insurance Holdings Inc.’s initial public offering of Class A Common Stock at $20 per share.