21.90
+7.04%
Close of 9 Nov 2026, in USD
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About Kingstone Companies
From its filings with the US Securities and Exchange Commission
Kingstone Companies is based in Kingston, New York and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker KINS. The SEC classifies its business as fire, marine & casualty insurance. In the fiscal year to 31 December 2025, it reported revenue of $214.9m and net income of $40.8m. At that date it held total assets of $453.4m and shareholders' equity of $122.7m.
We offer property and casualty insurance products through our wholly-owned subsidiary, Kingstone Insurance Company (“KICO”). KICO is a New York domiciled carrier writing business through retail and wholesale agents and brokers. KICO is actively writing personal lines and commercial auto insurance in New York, and in 2024 was the 12th largest writer of homeowners insurance in New York. KICO is also licensed in the states of New Jersey, Rhode Island, Massachusetts, Connecticut, Pennsylvania, New Hampshire, and Maine. For the years ended December 31, 2025 and 2024, respectively, 98.0% and 96.0% of KICO’s direct written premiums came from the New York policies.
In addition, through our subsidiary, Cosi Agency, Inc. (“Cosi”), a multi-state licensed general agency, we access alternative distribution channels. See “Distribution” below for a discussion of our distribution channels. Cosi receives commission revenue from KICO for the policies it places with others and pays commissions to these agencies. Cosi retains the profit between the commission revenue received and the commission expense paid. Net Cosi revenue is deducted against commission expense and Cosi-related expenses are included in other operating expenses. Cosi-related operating expenses are not included in our stand-alone insurance underwriting business and, accordingly, its expenses are not included in the calculation of our combined ratio as described below.
Quoted from its 10-K, filed 16 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Insurance
- Listed since
- 11 Apr 1994
- Employees
- 113
- Website
- kingstonecompanies.com ↗
- Head office
- 120 WOOD ROAD, KINGSTON, NY
- Incorporated in
- DE
- Classification
- Fire, Marine & Casualty Insurance
- Filer status
- Accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Thomas NewgardenIndependent Non-Executive Chairman of the Board$94,042
- Ms. Meryl GoldenChief Executive Officer, President, Director, since 2019$1.2m
- Mr. Randy PattenChief Financial Officer
- Ms. Sarah ChenSenior Vice President, Chief Actuary, Head - Product Management of Kingstone Insurance Company$708,094
- Mr. Floyd TupperSecretary, Independent Director, since 2014$128,000
- Mr. Pranav PasrichaIndependent Director
- Mr. Manmohan SinghIndependent Director$75,054
- Mr. William YankusIndependent Director$133,000
- Ms. Karin DalyVice President, since 2024
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 23
- Environment
- 2
- Social
- 17
- Governance
- 51
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Kingstone Companies Inc has several strengths that contribute to its success in the market. Firstly, the company has a strong financial position and a solid track record of profitability. This allows them to invest in growth opportunities and withstand market fluctuations. Additionally, Kingstone Companies Inc has a diverse portfolio of insurance products catering to various customer segments, providing them with a competitive edge. Moreover, the company boasts a strong brand reputation built on trust and reliability, which attracts customers and enhances their market position.
Weaknesses
- Despite its strengths, Kingstone Companies Inc also faces certain weaknesses that need to be addressed. One weakness is their limited geographic reach. The company mainly operates in specific states, which restricts their market potential compared to competitors with national presence. Another weakness is the heavy reliance on external partners for distribution channels, which may limit their control over customer experience and increase dependence on others. Additionally, Kingstone Companies Inc may face challenges in adapting to rapidly changing customer preferences and technological advancements, posing a risk to their competitive position.
Opportunities
- The insurance industry presents several opportunities that Kingstone Companies Inc can leverage to drive growth. The increasing customer awareness about insurance coverage and the importance of risk management opens up opportunities for the company to expand their customer base. Moreover, the rising trend of eco-friendly initiatives and renewable energy sources creates room for the development of specialized insurance products in these sectors. Additionally, advancements in technology and data analytics provide opportunities for more personalized and efficient services, enhancing customer satisfaction and loyalty.
Threats
- Kingstone Companies Inc operates in a highly competitive market, which poses threats to their market share and profitability. The presence of well-established insurance giants with extensive resources and market presence may make it challenging for Kingstone Companies Inc to attract and retain customers. Additionally, regulatory changes and compliance requirements introduce uncertainty and risks for the company's operations. Furthermore, natural disasters, such as hurricanes or floods, can lead to significant financial losses and increased claims, affecting the company's profitability and financial stability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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