Kingstone Insurance Company traces its roots back to 1886 when it was formed originally as the Co-Operative Fire Insurance Company in Catskill, New York.  In 1976 the company’s name was changed to Commercial Mutual Insurance Company, and in 1998 the company moved to its present corporate headquarters in historic Kingston, New York. 

In 2009, the company demutualized and was renamed to Kingstone Insurance Company, under the holding company of Kingstone Companies, Inc.  The company is publicly traded on NASDAQ under ticker symbol KINS.  In 2010 the company received a B financial rating from the A.M. Best insurance rating agency, which was upgraded to B+ in 2011, B++ in 2015, and finally to its present A- Excellent rating in April 2017. 

The company has steadily grown its surplus through organic growth and outside investment, including an $18.8 million capital raise in 2013, a $5 million private placement with Renaissance Re in 2016, and a $31.7 million follow on offering in early 2017.  Kingstone is now ranked as one of the Top 20 largest writers of New York Homeowners insurance, with double digit annual premium growth and consistently strong underwriting profits.

Originally a New York-only company, Kingstone is now licensed in six states and is actively writing in three.  The company launched its New Jersey Homeowners product in May 2017, with additional state expansion plans set for the near future.  Currently the company focuses on niche markets such as coastal property exposures, high value homes, livery physical damage auto, and small commercial risks. The company has always written business strictly through independent agents, and prides itself on superior service and in providing a consistently strong market presence.