Statement of Changes in Beneficial Ownership (Form 4)

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * Duffy Matthew Paul 2. Issuer Name and Ticker or Trading Symbol Neptune Insurance Holdings Inc. [NP] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) __X__ Other (specify below) President & Chief Risk Officer / Positions held at subsidiary (Last) (First) (Middle) C/O NEPTUNE INSURANCE HOLDINGS INC., 400 6TH ST S STE 2 3. Date of Earliest Transaction (Month/Day/Year) 09/30/2026 (Street) SAINT PETERSBURG, FL 33701 4. If Amendment, Date Original Filed (Month/Day/Year) 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Class A Common Stock 09/30/2026 F 98,381(1) D $27.35 1,853,472(2) D Class A Common Stock 09/30/2026 A 191,896(3) A $ 0 2,045,368(2)(4) D

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
Duffy Matthew Paul C/O NEPTUNE INSURANCE HOLDINGS INC. 400 6TH ST S STE 2 SAINT PETERSBURG, FL 33701			President & Chief Risk Officer	Positions held at subsidiary

Signatures

/s/ James Steiner, as Attorney-in-Fact		10/02/2026
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Represents shares of Class A Common Stock withheld by the Issuer to satisfy the Reporting Person's tax withholding obligations in connection with the vesting and settlement of restricted stock units on September 30, 2026. No shares were sold by the Reporting Person. The price reported in Column 4 is the closing price of the Class A Common Stock on the New York Stock Exchange on September 30, 2026.
(2)	Includes 527,902 shares of Class A Common Stock underlying an award of time-based restricted stock units, as amended, which remain held directly by the Reporting Person. The restricted stock units vested as to 263,951 shares on September 30, 2026 and vest as to the remaining 527,902 shares in eight quarterly installments of 65,987 or 65,988 shares each on the last day of each calendar quarter thereafter through September 30, 2028, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.
(3)	Represents shares of Class A Common Stock underlying an award of time-based restricted stock units granted on September 30, 2026. The restricted stock units vest in four quarterly installments of 47,974 shares each on the last day of each calendar quarter from December 31, 2028 through September 30, 2029, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.
(4)	Includes 191,896 shares of Class A Common Stock underlying the award of time-based restricted stock units reported on this Form 4.

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