# EDGAR Filing Document

**Accession Number:** 0002087995
**File Stem:** 0001193125-25-230427
**Filing Date:** 2025-10
**Character Count:** 14064
**Document Hash:** da71934af75b08dd7bc971fca6603065
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-230427.hdr.sgml**: 20251003

**ACCESSION NUMBER**: 0001193125-25-230427

**CONFORMED SUBMISSION TYPE**: 4

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20251001

**FILED AS OF DATE**: 20251003

**DATE AS OF CHANGE**: 20251003

**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Yoon Gene
- **CENTRAL INDEX KEY:** 0001814482

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-42878
- **FILM NUMBER:** 251374948

**MAIL ADDRESS:**
- **STREET 1:** C/O BREGAL INVESTMENTS, INC.
- **STREET 2:** 277 PARK AVENUE, 29TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10172
**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Bregal Sagemount Management LP
- **CENTRAL INDEX KEY:** 0001965125

**ORGANIZATION NAME:**
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-42878
- **FILM NUMBER:** 251374949

**BUSINESS ADDRESS:**
- **STREET 1:** 200 PARK AVENUE, 45TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 212-704-3050

**MAIL ADDRESS:**
- **STREET 1:** 200 PARK AVENUE, 45TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** BSIV Hold 101, LP
- **CENTRAL INDEX KEY:** 0002087995

**ORGANIZATION NAME:**
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-42878
- **FILM NUMBER:** 251374952

**BUSINESS ADDRESS:**
- **STREET 1:** C/O BREGAL SAGEMOUNT MANAGEMENT LP
- **STREET 2:** 200 PARK AVENUE, 45TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 646-798-7770

**MAIL ADDRESS:**
- **STREET 1:** C/O BREGAL SAGEMOUNT MANAGEMENT LP
- **STREET 2:** 200 PARK AVENUE, 45TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** Bregal Sagemount IV General Partner Jersey Ltd
- **CENTRAL INDEX KEY:** 0002087970

**ORGANIZATION NAME:**
- **STATE OF INCORPORATION:** Y9
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-42878
- **FILM NUMBER:** 251374950

**BUSINESS ADDRESS:**
- **ADDRESS IS A NON US LOCATION:** YES
- **STREET 1:** WINWARD HOUSE, 2ND FLOOR
- **STREET 2:** LA ROUTE DE LA LIBERATION
- **CITY:** ST. HELIER
- **PROVINCE COUNTRY:** Y9
- **ZIP:** JE2 3BQ
- **BUSINESS PHONE:** 44-1534-754500

**MAIL ADDRESS:**
- **ADDRESS IS A NON US LOCATION:** YES
- **STREET 1:** WINWARD HOUSE, 2ND FLOOR
- **STREET 2:** LA ROUTE DE LA LIBERATION
- **CITY:** ST. HELIER
- **PROVINCE COUNTRY:** Y9
- **ZIP:** JE2 3BQ
**REPORTING-OWNER**: 

**OWNER DATA:**
- **COMPANY CONFORMED NAME:** BSIV Hold 101 GP, LLC
- **CENTRAL INDEX KEY:** 0002087987

**ORGANIZATION NAME:**
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 4
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-42878
- **FILM NUMBER:** 251374951

**BUSINESS ADDRESS:**
- **STREET 1:** C/O BREGAL SAGEMOUNT MANAGEMENT LP
- **STREET 2:** 200 PARK AVENUE, 45TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 646-798-7770

**MAIL ADDRESS:**
- **STREET 1:** C/O BREGAL SAGEMOUNT MANAGEMENT LP
- **STREET 2:** 200 PARK AVENUE, 45TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
**ISSUER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Neptune Insurance Holdings Inc.
- **CENTRAL INDEX KEY:** 0002067129
- **STANDARD INDUSTRIAL CLASSIFICATION:** INSURANCE AGENTS BROKERS & SERVICES [6411]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 334189588
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**BUSINESS ADDRESS:**
- **STREET 1:** 400 6TH ST S
- **CITY:** ST. PETERSBURG
- **STATE:** FL
- **ZIP:** 33701
- **BUSINESS PHONE:** (727) 202-4815

**MAIL ADDRESS:**
- **STREET 1:** 400 6TH ST S
- **CITY:** ST. PETERSBURG
- **STATE:** FL
- **ZIP:** 33701

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Neptune Insurance Holdings, Inc.
- **DATE OF NAME CHANGE:** 20250506

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## FORM 4

### STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

[ ] Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>BSIV Hold 101, LP<br><sub>(Last) (First) (Middle)</sub><br>200 PARK AVENUE, 45TH FLOOR<br><sub>(Street)</sub><br>NEW YORK, NY 10166<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-10-01 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>Neptune Insurance Holdings Inc. [ NP ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[ ] Form filed by One Reporting Person<br>[X] Form filed by More than One Reporting Person |

---

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>BSIV Hold 101 GP, LLC<br><sub>(Last) (First) (Middle)</sub><br>200 PARK AVENUE, 45TH FLOOR<br><sub>(Street)</sub><br>NEW YORK, NY 10166<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-10-01 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>Neptune Insurance Holdings Inc. [ NP ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[ ] Form filed by One Reporting Person<br>[X] Form filed by More than One Reporting Person |

---

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Bregal Sagemount IV General Partner Jersey Ltd<br><sub>(Last) (First) (Middle)</sub><br>SECOND FLOOR, WINDWARD HOUSE,<br>LA ROUTE DE LA LIBERATION<br><sub>(Street)</sub><br>ST. HELIER, JERSEY, Y9 JE2 3BQ<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-10-01 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>Neptune Insurance Holdings Inc. [ NP ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[ ] Form filed by One Reporting Person<br>[X] Form filed by More than One Reporting Person |

---

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Bregal Sagemount Management LP<br><sub>(Last) (First) (Middle)</sub><br>200 PARK AVENUE, 45TH FLOOR<br><sub>(Street)</sub><br>NEW YORK, NY 10166<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-10-01 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>Neptune Insurance Holdings Inc. [ NP ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[ ] Form filed by One Reporting Person<br>[X] Form filed by More than One Reporting Person |

---

---

| | | |
|:---|:---|:---|
| **1. Name and Address of Reporting Person**<sup>*</sup><br>Yoon Gene<br><sub>(Last) (First) (Middle)</sub><br>200 PARK AVENUE, 45TH FLOOR<br><sub>(Street)</sub><br>NEW YORK, NY 10166<br><sub>(City) (State) (Zip)</sub> | **3. Date of Earliest Transaction (Month/Day/Year)**<br>2025-10-01 | **5. Relationship of Reporting Person(s) to Issuer**<br>(Check all applicable)<br>[ ] Director [X] 10% Owner<br>[ ] Officer (give title below) [ ] Other (specify below)<br>_ _ |
| **2. Issuer Name and Ticker or Trading Symbol**<br>Neptune Insurance Holdings Inc. [ NP ] | **4. If Amendment, Date of Original Filed (Month/Day/Year)**<br>  | **6. Individual or Joint/Group Filing (Check Applicable Line)**<br>[ ] Form filed by One Reporting Person<br>[X] Form filed by More than One Reporting Person |

---

## Table I - Non-Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | 3. Transaction Code (V) | 3. Transaction Code (V) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 4. Securities Acquired (A) or Disposed of (D) | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| 1. Title of Security | 2. Transaction Date | 2A. Deemed Execution Date | Code | V | Amount | (A) or (D) | Price | 5. Amount of Securities Beneficially Owned | 6. Ownership Form | 7. Nature of Indirect Beneficial Ownership |
| Class A Common Stock | 2025-10-01 |  | S |  | 820123 | D | 18.75<sup>(1)</sup> | 19530472 | D<sup>(2)(3)</sup> |  |

---

## Table II - Derivative Securities

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | 4. Transaction Code (V) | 4. Transaction Code (V) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 5. Number of Derivative Securities Acquired (A) or Disposed of (D) | 6. Date Exercisable and Expiration Date | 6. Date Exercisable and Expiration Date | 7. Title and Amount of Underlying Securities | 7. Title and Amount of Underlying Securities | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
| 1. Title of Derivative Security | 2. Conversion or Exercise Price | 3. Transaction Date | 3A. Deemed Execution Date | Code | V | (A) | (D) | Date Exercisable | Expiration Date | Title | Amount or Number of Shares | 8. Price of Derivative Security | 9. Number of Derivative Securities Beneficially Owned | 10. Ownership Form | 11. Nature of Indirect Beneficial Ownership |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

### Footnotes:

(1) The shares were sold pursuant to the underwriters' exercise of their over-allotment option in connection with the initial public offering of the Issuer's Class A Common Stock at a price per share equal to the initial public offering price, net of underwriting discounts and commissions. BSIV Hold 101, LP ("BSIV 101") was a selling stockholder in the initial public offering.

(2) The reported securities are held directly by BSIV 101. BSIV 101 is managed by BSIV Hold 101 GP, LLC, its general partner, which is managed by Bregal Sagemount IV General Partner Jersey Limited, its sole member, which is managed by a board of directors and is ultimately 100% owned by Gene Yoon. Bregal Sagemount Management LP, which is majority owned by Gene Yoon, is the investment advisor to BSIV 101.

(3) Each of the reporting persons disclaims beneficial ownership of the reported securities, except to the extent of such reporting person's pecuniary interest therein, if any. The filing of this statement shall not be deemed an admission by any reporting person of beneficial ownership of the reported securities.

**Signature:** BSIV Hold 101, LP, By: BSIV Hold 101 GP, LLC, its GP, By: Bregal Sagemount IV General Partner Jersey Limited, its Sole Member, By: /s/ Colin James Dow, Name: Colin James Dow, Director; /s/ Paul Andrew Bradshaw, Name: Paul Andrew Bradshaw, Director  
**Date:** 2025-10-03

**Signature:** BSIV Hold 101 GP, LLC, By: Bregal Sagemount IV General Partner Jersey Limited, its Sole Member, By: /s/ Colin James Dow, Name: Colin James Dow, Title: Director, /s/ Paul Andrew Bradshaw, Name: Paul Andrew Bradshaw, Title: Director  
**Date:** 2025-10-03

**Signature:** Bregal Sagemount IV General Partner Jersey Limited, By: /s/ Colin James Dow, Name: Colin James Dow, Title: Director, /s/ Paul Andrew Bradshaw, Name: Paul Andrew Bradshaw, Title: Director  
**Date:** 2025-10-03

**Signature:** Bregal Sagemount Management LP, By: /s/ Eugene Yoon, Name: Eugene Yoon, Title: Managing Partner  
**Date:** 2025-10-03

**Signature:** By: /s/ Michelle Riley, Name: Michelle Riley, as attorney-in-fact for Gene Yoon  
**Date:** 2025-10-03

### Remarks:

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).

** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.

**Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.**