X0609 4 2026-09-14 0 0002067129 Neptune Insurance Holdings Inc. NP 0002085255 Carlon Jonathan Winant false C/O NEPTUNE INSURANCE HOLDINGS INC. 400 6TH STREET S, SUITE 2 SAINT PETERSBURG FL 33701 1 0 0 0 0 Class A Common Stock 2026-09-14 4 S 0 50000 31.1519 D 603500 D Class A Common Stock 511000 I Held by the Carlon Family Trust, dated May 7, 2024 Class A Common Stock 4599000 I Held by the JWC Irrevocable Trust The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $31.15 to $31.37, inclusive. The reporting person undertakes to provide to Neptune Insurance Holdings Inc., any security holder of Neptune Insurance Holdings Inc., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote. Includes 73,500 shares of Class A Common Stock underlying an award of time-based restricted stock units, as amended. The restricted stock units vest as to 24,500 shares on September 30, 2026 and as to 6,125 shares 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. The Reporting Person and Alexis Carlon are the trustees of the trust. The Reporting Person and Steve Wynne are the trustees of the trust. Jonathan W Carlon 2026-09-15