Kingstone Companies, Inc. $KINS

What the company doesAI summary of filing

Kingstone Companies, Inc. is a revenue-generating property and casualty insurance company that sells personal lines insurance (homeowners, dwelling fire, cooperative/condominium, renters, and personal umbrella policies) and specialty lines including livery physical damage and canine legal liability insurance. The company, operating through its subsidiary Kingstone Insurance Company (KICO), a New York-domiciled carrier, generates revenue from earned premiums, investment income, and policy fees, with 98% of direct written premiums from New York policies as of 2025. KICO distributes its products through over 700 retail and wholesale agents and brokers, and the company also operates Cosi Agency, a multi-state general agency that accesses alternative distribution channels. The company makes money through underwriting profits from adequate pricing and expense management, as well as from investment income on its investment portfolio and reinsurance ceding commissions. [10-K 2026-03-16]

Segments: Personal lines, Livery physical damage, Other (canine legal liability and joint underwriting associations)