Matthew Paul Duffy - 30 Sep 2025 Form 3 Insider Report for Neptune Insurance Holdings Inc. (NP)

Role: President & Chief Risk Officer, Positions held at subsidiary
Signature: /s/ Matthew Paul Duffy
Issuer symbol: NP
Transactions as of: 30 Sep 2025
Transactions value $: $0
Form type: 3
Filing time: 30 Sep 2025, 20:54:49 UTC
Next filing: 03 Oct 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Duffy Matthew Paul	President & Chief Risk Officer, Positions held at subsidiary	C/O NEPTUNE INSURANCE HOLDINGS INC., 400 6TH STREET S, SUITE 2, ST. PETERSBURG	/s/ Matthew Paul Duffy	30 Sep 2025	0002077387

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
holding	NP	Common Stock						1.16M	30 Sep 2025	Direct	F1

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
holding	NP	Stock Option (right to buy)							30 Sep 2025	Common Stock	95.5K	$19.00	Direct	F1, F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Shares of Common Stock will automatically be reclassified as shares of Class A Common Stock on a one-for-one basis upon the filing of the Second Amended and Restated Certificate of Incorporation of the Issuer immediately prior to the closing of the Issuer's initial public offering ("IPO").
F2	The stock option will fully vest upon the closing of (and become exercisable in connection with) the IPO. The Reporting Person was previously granted certain additional stock options that will terminate upon the closing of (and not be exercisable in connection with) the IPO. The amount reported includes only stock options that will vest upon the closing of (and become exercisable in connection with) the IPO.

Content

Shares of Common Stock will automatically be reclassified as shares of Class A Common Stock on a one-for-one basis upon the filing of the Second Amended and Restated Certificate of Incorporation of the Issuer immediately prior to the closing of the Issuer's initial public offering ("IPO").

The stock option will fully vest upon the closing of (and become exercisable in connection with) the IPO. The Reporting Person was previously granted certain additional stock options that will terminate upon the closing of (and not be exercisable in connection with) the IPO. The amount reported includes only stock options that will vest upon the closing of (and become exercisable in connection with) the IPO.