# Kingstone Companies

Kingstone Companies is an Insurance based in Kingston, United States.

## Overview

- **Organization type:** Insurance
- **Headquarters:** Kingston, United States
- **Region:** North America
- **Address:** Kingston, NY, United States
- **Founded:** 1886
- **Assets under management:** Undisclosed
- **Website:** kingstonecompanies.com
- **LinkedIn:** https://www.linkedin.com/company/kingstone-companies-inc

## Regulatory record

- **Reports private funds:** No

## About

Kingstone Companies, Inc. is the parent of Kingstone Insurance Company, Inc. (“KICO”). Founded in 1886, with its headquarters in Kingston, New York, KICO is a leading regional provider of insurance products for small and mid-sized businesses as well as for individuals. KICO distributes its products exclusively through a network of select independent producers. KICO was ranked #1 of the 81 insurers rated by the Professional Insurance Agents Association in its 2010 Company Performance Survey. In addition, Kingstone is the parent of Payments, Inc. a NYS licensed Insurance Premium Finance Company Kingstone Companies, Inc. trades under the symbol "KINS"​ on the Nasdaq Stock Exchange.

## Sectors

- InsurTech
- Real Estate

## People

- Meryl Golden — Chief Executive Officer
- Barry Goldstein — Executive Chairman

## Questions

### Why does Kingstone write homeowners insurance only in New York?

Kingstone's statutory underwriting entities are licensed almost exclusively in New York, with minor authorizations in three other states, but all material premium comes from downstate New York. The firm's agency force, rate filings, and reinsurance treaties are structured around a single geography. This is not a growth-phase limitation; it is the deliberate result of a multi-year retrenchment that saw the company shed its commercial lines business in 2021.

### Who runs investment decisions at Kingstone?

Investment decisions fall to the internal management team under the oversight of the board, not a single CIO. Barry Goldstein, Executive Chairman, has historically been the central figure shaping strategy, while CEO Meryl Golden oversees day-to-day operations. As of its last proxy, the board's audit committee has oversight of investment policy, with external investment managers handling the majority of the $250 million-plus portfolio.

### How does Kingstone source its policyholders?

Kingstone sells exclusively through independent agents, with roughly 600 appointed agents concentrated in New York City and Long Island. The firm does not sell direct-to-consumer and has not built a digital quoting platform. Agent relationships are the core distribution channel, and a key lever management uses is terminating unprofitable agency contracts — more than 100 were cut between 2020 and 2022.

### What is Kingstone's exposure to catastrophe risk?

Kingstone's entire book is exposed to Northeast hurricanes and coastal storm surge, with no geographic hedge. Its reinsurance program, led by a catastrophe excess-of-loss treaty, transfers a portion of this tail risk, but the firm retains material exposure. Unlike national carriers that can offset New York storm losses with Midwest or West Coast results, Kingstone has no such diversification.

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Last updated: 2026-06-03T20:00:00.000Z

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