X0609 4 2026-09-30 0 0002067129 Neptune Insurance Holdings Inc. NP 0001613062 Burgess Trevor R false C/O NEPTUNE INSURANCE HOLDINGS INC. 400 6TH ST S STE 2 SAINT PETERSBURG FL 33701 1 1 1 0 Chief Executive Officer 0 Class A Common Stock 2026-09-30 4 F 0 254836 27.35 D 1828128 D Class A Common Stock 2026-09-30 4 A 0 480544 0 A 2308672 D 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. Includes 1,321,976 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 660,988 shares on September 30, 2026 and vest as to the remaining 1,321,976 shares in eight quarterly installments of 165,247 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. Each share of Class A Common Stock received upon the settlement of these restricted stock units may be exchanged by the Reporting Person into one share of the Issuer's Class B Common Stock. 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 120,136 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. Includes 480,544 shares of Class A Common Stock underlying the award of time-based restricted stock units reported on this Form 4. /s/ James Steiner, as Attorney-in-Fact 2026-10-02