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

Rhea-AI Filing Summary

Neptune Insurance Holdings Inc. (NP)50,000 shares of Class A common stock at $20 per share in a directed share program connected to the company’s initial public offering. Following this transaction, he beneficially owns 2,032,964 shares of Neptune Insurance Class A common stock held directly.

11/14/2025 - 07:08 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

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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^*

Burgess Trevor R

(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	X	10% Owner
X	Officer (give title below)		Other (specify below)
	CEO & Chairman of the Board

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	10/02/2025		P		50,000	A	$20(1)	2,032,964	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. 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 did Neptune Insurance (NP) report on this Form 4?

The filing reports that CEO and Chairman James Steiner purchased 50,000 shares of Neptune Insurance Holdings Inc. Class A common stock in a single transaction.

On what date did James Steiner buy Neptune Insurance (NP) shares and at what price?

James Steiner bought the shares on 10/02/2025 at a price of $20 per share, as disclosed in Table I of the Form 4.

How many Neptune Insurance (NP) shares does James Steiner own after this transaction?

After the reported purchase, James Steiner beneficially owns 2,032,964 shares of Neptune Insurance Holdings Inc. Class A common stock, held directly.

What type of transaction was reported for Neptune Insurance (NP) on this Form 4?

The transaction is coded as a “P” (open market or private purchase) and is described as shares purchased through a directed share program in connection with Neptune Insurance’s initial public offering of Class A common stock.

What is James Steiner’s role and relationship to Neptune Insurance Holdings Inc. (NP)?

James Steiner is reported as a Director, a 10% Owner, and an Officer of Neptune Insurance Holdings Inc., serving as CEO & Chairman of the Board.

Does this Neptune Insurance (NP) Form 4 include any derivative securities transactions?

No derivative securities are reported. Table II for derivative securities is present but contains no disclosed acquisition or disposition entries.