NP insider ups stake to 4,384,715 Neptune Insurance shares

Rhea-AI Filing Summary

Neptune Insurance Holdings Inc. (NP) reported an insider stock purchase by its CFO and Secretary, who is also a director. On 10/02/2025, the insider bought 119,050 shares of Class A Common Stock at $20 per share through a directed share program tied to the company’s initial public offering. Following this transaction, the insider directly beneficially owned 4,384,715 shares of Neptune’s Class A Common Stock.

Insider Trade Summary

Net Buyer: 119,050 shares

Net Buy 1 txn

Insider Steiner James

Role CFO and Secretary

Bought 119,050 shs ($2.38M)

Type	Security	Shares	Price	Value
Purchase	Class A Common Stock	119,050	$20.00	$2.38M

Holdings After Transaction: Class A Common Stock — 4,384,715 shares (Direct)

Footnotes (1)

1. F1. 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.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 11/14/2025 - 07:10 PM Learn about SEC filing dates

FAQ

What insider transaction was reported for Neptune Insurance Holdings Inc. (NP)?

The filing reports that an insider who is a director, CFO, and Secretary of Neptune Insurance Holdings Inc. purchased 119,050 shares of Class A Common Stock.

At what price were the Neptune Insurance (NP) shares purchased in this Form 4 filing?

The insider purchased the Class A Common Stock at the public offering price of $20 per share in connection with the initial public offering.

When did the Neptune Insurance (NP) insider stock purchase occur?

The reported transaction date for the insider purchase of Class A Common Stock is 10/02/2025.

How many Neptune Insurance (NP) shares does the insider own after this transaction?

After the reported purchase, the insider beneficially owned 4,384,715 shares of Neptune Insurance Holdings Inc. Class A Common Stock, held directly.

What was the nature of the Neptune Insurance (NP) share purchase in this Form 4?

The 119,050 shares were purchased through a directed share program in connection with Neptune Insurance Holdings Inc.’s initial public offering of Class A Common Stock.

What roles does the reporting person hold at Neptune Insurance Holdings Inc. (NP)?

The reporting person is a director and serves as CFO and Secretary of Neptune Insurance Holdings Inc.

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^*

Steiner James

(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
X	Officer (give title below)		Other (specify below)
	CFO and Secretary

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		119,050	A	$20(1)	4,384,715	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	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.