<SEC-DOCUMENT>0001021771-24-000174.txt : 20241007
<SEC-HEADER>0001021771-24-000174.hdr.sgml : 20241007
<ACCEPTANCE-DATETIME>20240906163533
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0001021771-24-000174
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20240906

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			KINGSTONE COMPANIES, INC.
		CENTRAL INDEX KEY:			0000033992
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				362476480
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		15 JOYS LANE
		CITY:			KINGSTON
		STATE:			NY
		ZIP:			12401
		BUSINESS PHONE:		516 374-7600

	MAIL ADDRESS:	
		STREET 1:		15 JOYS LANE
		CITY:			KINGSTON
		STATE:			NY
		ZIP:			12401

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	DCAP GROUP INC
		DATE OF NAME CHANGE:	20050210

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	DCAP GROUP INC/
		DATE OF NAME CHANGE:	19990702

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EXTECH CORP
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>1
<FILENAME>filename1.htm
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Certilman Balin Adler & Hyman, LLP
         Document created using Broadridge PROfile 24.8.1.5246
         Copyright 1995 - 2024 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <div><img src="image00001.jpg"></div>
    <div><br>
    </div>
    <div style="text-align: justify; font-size: 8pt; font-weight: bold;">FRED S. SKOLNIK</div>
    <div style="text-align: justify; font-size: 8pt;">PARTNER</div>
    <div style="text-align: justify; font-size: 8pt;">DIRECT DIAL 516.296.7048</div>
    <div style="text-align: justify; font-size: 8pt;">fskolnik@certilmanbalin.com</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 252pt; font-family: 'Times New Roman',Times,serif;">September 6, 2024</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-style: italic; font-weight: bold;"><u>VIA EDGAR</u></div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">United States Securities and Exchange Commission</div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">100 F Street, NE</div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">Washington, DC&#160; 20549</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-family: 'Times New Roman',Times,serif;">Re:</font><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="font-family: 'Times New Roman',Times,serif;">Kingstone Companies, Inc.</font></div>
    <div style="text-align: justify; text-indent: 72pt; font-family: 'Times New Roman',Times,serif;">Form 10-K for Fiscal Year Ended December 31, 2023</div>
    <div style="text-align: justify; text-indent: 72pt;"><font style="font-family: 'Times New Roman',Times,serif;"><u>File No. 000-01665</u></font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 144pt;">&#160;</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif;">Ladies and Gentlemen:</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif;">We act as counsel for Kingstone Companies, Inc. (the &#8220;Company&#8221;).&#160; We refer to the Staff&#8217;s letter dated August 23, 2024 to
      Jennifer Gravelle, Chief Financial Officer of the Company, with respect to the Company&#8217;s Form 10-K for fiscal year ended December 31, 2023 filed with the Commission on April 1, 2024 (the &#8220;Form 10-K&#8221;).&#160; Ms. Gravelle has referred the Staff&#8217;s letter to
      us for a response.&#160; In that regard, on behalf of the Company, we respond to the comments in the Staff&#8217;s letter with respect to the Form 10-K as follows:</div>
    <div><br>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif; font-style: italic;"><u>Form 10-K for Fiscal Year Ended December 31, 2023</u></div>
    <div style="font-family: 'Times New Roman',Times,serif; font-style: italic;"><u>Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations Consolidated Results of
        Operations, page 44</u></div>
    <div><br>
    </div>
    <div style="margin-bottom: 12pt; text-indent: 36pt; text-align: justify;">1.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;"> </font><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-style: italic;"><u>Comment</u></font>:&#160; We note your disclosure of an
          underlying loss ratio on page 49, as well as your disclosure of the loss ratio excluding the effect of catastrophes, net underwriting expense ratio excluding the effect of catastrophes, and net combined ratio excluding the effect of catastrophes
          on pages 56-57. These measures appear to represent non-GAAP financial measures given that they exclude amounts that are included in the most directly comparable measure calculated and presented in accordance with GAAP. We also note that, in your
          earnings release included as Exhibit 99.1 to the Form 8-K filed on August 12, 2024, you present an underlying loss ratio which is labeled as a non-GAAP financial measure. Please revise your future periodic filings to clearly label and identify
          these measures as non-GAAP financial measures and provide all of the relevant disclosures required by Item 10(e)(1) of Regulation S-K.</font></div>
    <div style="text-align: justify; text-indent: 72pt; margin-bottom: 12pt; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif; font-style: italic;">&#160;&#160; <u>Response</u></font><font style="font-size: 10pt;">:&#160; The Company respectfully acknowledges the Staff&#8217;s comment and advises the Staff that, in future periodic filings, the Company will give effect to the Staff&#8217;s comment.</font></div>
    <div style="font-family: 'Times New Roman',Times,serif;"> <img src="image00003.jpg"></div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif;"> <img src="image00002.jpg"></div>
    <div style="font-family: 'Times New Roman',Times,serif;">
      <div>Securities and Exchange Commission</div>
      <div>September 6 , 2024</div>
      <div>Page 2</div>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif;"> <br>
    </div>
    <div style="font-family: 'Times New Roman',Times,serif;"> <br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-style: italic;"><u>Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations Insurance
        Underwriting Business on a Standalone Basis, page 55</u></div>
    <div style="margin-bottom: 12pt; text-indent: 36pt; text-align: justify;">2.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;"> </font><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-style: italic;"><u>Comment</u></font>:&#160; We note your disclosure of an income statement, as well as key measures, presented for your insurance
        underwriting business on a standalone basis. Your presentation of net loss for the insurance business on a standalone basis appears to represent a non-GAAP financial measure given that it excludes amounts that are included in your consolidated net
        loss as disclosed on page F-5, the most directly comparable measure calculated and presented in accordance with GAAP. Further, your presentation on page 55 appears to constitute a non-GAAP income statement. Please note that the presentation of a
        full non-GAAP income statement may place undue prominence on the non-GAAP information.&#160; Please remove this presentation in your future filings and refer to Question 102.10(c) of the Non-GAAP Compliance and Disclosure Interpretations for guidance.
        Additionally, to the extent that you intend to present your net loss for the insurance underwriting business on a standalone basis in future filings, please revise your disclosure to clearly label and identify this measure, as well as any other
        financial measures on this basis which have non-GAAP adjustments, as a non-GAAP financial measure and provide all of the relevant disclosures required by Item 10(e)(1) of Regulation S-K.</font></div>
    <div style="text-align: justify; text-indent: 72pt; margin-bottom: 12pt; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif; font-style: italic;">&#160;&#160; <u>Response</u></font><font style="font-size: 10pt;">:&#160; The Company respectfully acknowledges the Staff&#8217;s comment and advises the Staff that, in future filings, the Company will give effect to the Staff&#8217;s comment.</font></div>
    <div style="text-align: justify; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif; font-style: italic;"><u>Consolidated Balance Sheets, page F-4</u></div>
    <div style="margin-bottom: 12pt; text-indent: 36pt; text-align: justify;">3.<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;"> </font><font style="font-family: 'Times New Roman',Times,serif;"><font style="font-style: italic;"><u>Comment</u></font>:&#160; Please revise future periodic filings to separately classify on your balance sheet the amount of debt that
        is considered short-term and long-term.&#160; Please refer to Item 7-03 of Regulation S-X.</font></div>
    <div style="text-align: justify; text-indent: 72pt; margin-bottom: 12pt; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman',Times,serif; font-style: italic;">&#160;&#160; <u>Response</u></font><font style="font-size: 10pt;">:&#160; The Company respectfully acknowledges the Staff&#8217;s comment and advises the Staff that, in future periodic filings, the Company will give effect to the Staff&#8217;s comment.</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif;">If there are further comments or questions, please contact the undersigned at (516) 296-7048.</div>
    <div style="text-align: justify; text-indent: 180pt; margin-left: 72pt; font-family: 'Times New Roman',Times,serif;">Very truly yours,</div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-left: 252pt; font-family: 'Times New Roman',Times,serif;">/s/ Fred Skolnik</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 180pt; margin-left: 72pt; font-family: 'Times New Roman',Times,serif;">Fred Skolnik</div>
    <div><br>
    </div>
    <div style="text-align: justify;"><font style="font-family: 'Times New Roman',Times,serif;">cc:</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; width: 36pt;"> </font><font style="font-family: 'Times New Roman',Times,serif;">Jennifer Gravelle, Chief Financial Officer</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif;"><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;</font> Kingstone
      Companies, Inc.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt; font-family: 'Times New Roman',Times,serif;"> <img src="image00003.jpg"></div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>image00001.jpg
<TEXT>
begin 644 image00001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  8$!08%! 8&!08'!P8("A *"@D)
M"A0.#PP0%Q08&!<4%A8:'24?&ALC'!86("P@(R8G*2HI&1\M,"TH,"4H*2C_
MVP!# 0<'!PH("A,*"A,H&A8:*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H
M*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"C_P  1"  _ KH# 2(  A$! Q$!_\0
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MU:>UBM5F=U2))"Y&UBIR<#N*PO@ES\+;+_>G_P#1C4_X%?\ )--._P"NL_\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M,?K78U2&K:<9O*%_:&4L$"><N<DXQC/7(Q]:NT %%1;IO^>2?]]__6HW3?\
M/)/^^_\ ZU $M%1;IO\ GDG_ 'W_ /6HW3?\\D_[[_\ K4 2T5%NF_YY)_WW
M_P#6HW3?\\D_[[_^M0!+146Z;_GDG_??_P!:C=-_SR3_ +[_ /K4 .FBCFC*
M2HKH>H89K%NO#5M(<P2/"?3[PK8W3?\ /)/^^_\ ZU&Z;_GDG_??_P!:E8:N
MC#CTK5;<8M]0&T= V?\ Z]/^QZX>#?1#\/\ ZU;.Z;_GDG_??_UJ-TW_ #R3
M_OO_ .M18=S!;P_<W+AKZ^9\>@S_ #K<6%H;5(;4JFP!06&>*=NF_P">2?\
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MSR3_ +[_ /K4 2T5%NF_YY)_WW_]:C=-_P \D_[[_P#K4 2T5%NF_P">2?\
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M_K2_\(-IWV=8#<7C1+'/ BLZG;%-_K$SC)'H3DCUKIMTW_/)/^^__K4;IO\
MGDG_ 'W_ /6H Y6'P%IL*JL<]TJK]T97C_2!/Z?WP/P_.NOJ-6E+#=&H'J'S
&_2I* /_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>image00002.jpg
<TEXT>
begin 644 image00002.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  8$!08%! 8&!08'!P8("A *"@D)
M"A0.#PP0%Q08&!<4%A8:'24?&ALC'!86("P@(R8G*2HI&1\M,"TH,"4H*2C_
MVP!# 0<'!PH("A,*"A,H&A8:*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H
M*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"C_P  1"  ^ -8# 2(  A$! Q$!_\0
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M["?:;FT29@G1<E2 /SK'NDETC3]3\+^)G(N_LDS:;J/\%Z@4G8V>D@].]/\
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E1^_]8OR- $M%1?O_ %B_(T?O_6+\C0!+147[_P!8OR-% '__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>image00003.jpg
<TEXT>
begin 644 image00003.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  8$!08%! 8&!08'!P8("A *"@D)
M"A0.#PP0%Q08&!<4%A8:'24?&ALC'!86("P@(R8G*2HI&1\M,"TH,"4H*2C_
MVP!# 0<'!PH("A,*"A,H&A8:*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H
M*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"C_P  1"  B G # 2(  A$! Q$!_\0
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M!A7S T,;MN$:Y7^+D]CCZXK?HHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
***** "BBB@#_V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
