Risk factors
Kingstone Companies (KINS) risk factors
Item 1A of every Kingstone Companies, Inc. 10-K on file, and what changed from one year to the next.
- FY2025 10-K risk factors
29 risks, 3 new, 4 dropped, 5 reworded since the prior year. Kingstone is expanding into California in 2026, increasing its catastrophe reinsurance coverage limit to $440 million, and remaining heavily reliant on New York revenue at 98%.
Filed Mar 16, 2026 - FY2024 10-K risk factors
30 risks. Kingstone Companies faces heavy geographic concentration risk with 96% of 2024 revenue derived from New York. Operations depend significantly on a small group of insurance brokers providing 51.2% of gross premiums. The business is heavily exposed to property catastrophes, weather events, and reinsurance availability.
Filed Mar 18, 2025