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Kingstone Companies Inc's Business Segments
Kingstone Companies Inc's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q2 FY2026
Reportable Segments
1
Largest Segment
Reportable
Total Revenue
$ 66
Regions Reported
-
Revenue Share by Reportable Segment - Q2 FY2026
- Reportable176.7%
Revenue by Reportable Segment - Q2 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Reportable | $ 116 | 176.7% |
Description of Kingstone Companies Inc
We offer property and casualty insurance products to small businesses and individuals
in New York State through our wholly owned subsidiary, Kingstone Insurance Company
(“KICO”). KICO is a licensed property and casualty insurance company
in New York, New Jersey, Connecticut, Pennsylvania and Texas; however, KICO writes
substantially all of its business in New York. Payments, Inc., our wholly owned
subsidiary, is a licensed premium finance company in the State of New York and
through March 31, 2015, received fees for placing contracts with a third party
licensed premium finance company.
Kingstone Companies Inc. is a diversified insurance provider offering a range of products and services tailored to meet the needs of both personal and commercial clients. Below is an extensive description of the various segments, products, and services they offer.
Personal Lines Insurance
Homeowners Insurance:
This is the cornerstone of Kingstones personal lines segment. Homeowners insurance policies typically cover damage to the policyholder’s home and personal property due to various perils such as fire, theft, and natural disasters. These policies also provide liability coverage in the event someone is injured on the policyholder’s property.
Dwelling Fire Insurance:
This type of policy is designed for homes that are not owner-occupied, such as rental properties. It covers damages to the structure itself and may also include liability protection.
3-4 Family Dwelling Package:
This product offers insurance to property owners with multi-family homes, specifically those containing three to four units. The package provides coverage for the property itself as well as liability protection.
Condominium Insurance:
Covering the unique needs of condominium owners, this insurance policy typically protects the individual unit owner’s property and provides liability coverage. It often complements the master policy held by the condominium association.
Renters Insurance:
Designed for tenants, renters insurance covers personal property against risks such as theft or fire. It also provides liability coverage, protecting renters against claims for injuries occurring within their rented home.
Equipment Breakdown Insurance:
This coverage protects against losses due to the breakdown of equipment essential to the functioning of a business or residence, covering the costs of repair or replacement.
Service Line Endorsements:
This product covers damage to utility lines that run from the property to the utility’s connection point, offering homeowners added peace of mind and protection against unexpected repairs.
Personal Umbrella Policies:
An additional layer of liability protection, personal umbrella policies provide coverage beyond the limits of standard homeowners and auto policies. They protect individuals from major claims and lawsuits, ensuring broader coverage.
Commercial Insurance
Commercial Liability
Business Owners Policies (BOP):
Kingstone offers tailored business owners policies that provide comprehensive coverage for small businesses in retail, service, and office sectors without residential exposure. BOPs typically combine property insurance, liability coverage, and business interruption insurance, making it a convenient option for small business owners.
Artisans Liability Policies:
These are specifically designed for small independent contractors, providing liability coverage that protects professionals such as electricians, plumbers, or handymen with seven or fewer employees. This policy aids in covering potential liabilities arising from their professional services.
Special Multi-peril Policies:
For larger and more specialized business owners’ risks, Kingstone offers customized multi-peril insurance policies. These are structured to cover various risks faced by businesses, including property damage, liability, and loss of income, especially benefits for those with limited residential exposures.
Commercial Automobile
Commercial Automobile Insurance:
While Kingstone had provided liability and physical damage coverage for light vehicles owned by small contractors and artisans, they have since ceased accepting new commercial auto policies as of October 1, 2014, and ended renewals for existing policies in May 2015. This change was implemented due to the poor performance of this line.
Livery Physical Damage Insurance
For-Hire Vehicle Physical Damage Policies:
Specializing in physical damage insurance for livery services, Kingstone offers coverage specifically for vehicles such as taxis and car service vehicles. These policies are vital for operators of for-hire vehicles aiming to protect their investments from physical damage risks.
Summary
In summary, Kingstone Companies Inc. offers a robust and diverse range of personal and commercial insurance solutions. They are focused on serving the needs of homeowners, renters, and small business owners with tailored insurance products that provide essential protection for various risks and liabilities. Through their extensive suite of offerings, Kingstone aims to deliver peace of mind to their policyholders in an ever-changing environment.
Personal Lines Insurance
Homeowners Insurance:
This is the cornerstone of Kingstones personal lines segment. Homeowners insurance policies typically cover damage to the policyholder’s home and personal property due to various perils such as fire, theft, and natural disasters. These policies also provide liability coverage in the event someone is injured on the policyholder’s property.
Dwelling Fire Insurance:
This type of policy is designed for homes that are not owner-occupied, such as rental properties. It covers damages to the structure itself and may also include liability protection.
3-4 Family Dwelling Package:
This product offers insurance to property owners with multi-family homes, specifically those containing three to four units. The package provides coverage for the property itself as well as liability protection.
Condominium Insurance:
Covering the unique needs of condominium owners, this insurance policy typically protects the individual unit owner’s property and provides liability coverage. It often complements the master policy held by the condominium association.
Renters Insurance:
Designed for tenants, renters insurance covers personal property against risks such as theft or fire. It also provides liability coverage, protecting renters against claims for injuries occurring within their rented home.
Equipment Breakdown Insurance:
This coverage protects against losses due to the breakdown of equipment essential to the functioning of a business or residence, covering the costs of repair or replacement.
Service Line Endorsements:
This product covers damage to utility lines that run from the property to the utility’s connection point, offering homeowners added peace of mind and protection against unexpected repairs.
Personal Umbrella Policies:
An additional layer of liability protection, personal umbrella policies provide coverage beyond the limits of standard homeowners and auto policies. They protect individuals from major claims and lawsuits, ensuring broader coverage.
Commercial Insurance
Commercial Liability
Business Owners Policies (BOP):
Kingstone offers tailored business owners policies that provide comprehensive coverage for small businesses in retail, service, and office sectors without residential exposure. BOPs typically combine property insurance, liability coverage, and business interruption insurance, making it a convenient option for small business owners.
Artisans Liability Policies:
These are specifically designed for small independent contractors, providing liability coverage that protects professionals such as electricians, plumbers, or handymen with seven or fewer employees. This policy aids in covering potential liabilities arising from their professional services.
Special Multi-peril Policies:
For larger and more specialized business owners’ risks, Kingstone offers customized multi-peril insurance policies. These are structured to cover various risks faced by businesses, including property damage, liability, and loss of income, especially benefits for those with limited residential exposures.
Commercial Automobile
Commercial Automobile Insurance:
While Kingstone had provided liability and physical damage coverage for light vehicles owned by small contractors and artisans, they have since ceased accepting new commercial auto policies as of October 1, 2014, and ended renewals for existing policies in May 2015. This change was implemented due to the poor performance of this line.
Livery Physical Damage Insurance
For-Hire Vehicle Physical Damage Policies:
Specializing in physical damage insurance for livery services, Kingstone offers coverage specifically for vehicles such as taxis and car service vehicles. These policies are vital for operators of for-hire vehicles aiming to protect their investments from physical damage risks.
Summary
In summary, Kingstone Companies Inc. offers a robust and diverse range of personal and commercial insurance solutions. They are focused on serving the needs of homeowners, renters, and small business owners with tailored insurance products that provide essential protection for various risks and liabilities. Through their extensive suite of offerings, Kingstone aims to deliver peace of mind to their policyholders in an ever-changing environment.