Kingstone Companies, Inc. (Kingstone) is engaged in offering property and casualty insurance products to small businesses and individuals in New York State through its wholly owned subsidiary, Kingstone Insurance Company (KICO). The Company�s operations consist of the underwriting of property and casualty insurance. KICO is a licensed property and casualty insurance company in the State of New York. KICO is a multi-line regional property and casualty insurance company writing business exclusively through independent agents and brokers (producers). The Company is licensed to write insurance in New York and Pennsylvania. KICO provides direct markets to small and medium-sized producers located primarily in downstate New York, consisting of New York City, Long Island and Westchester County.