# EDGAR Filing Document

**Accession Number:** 0002067129
**File Stem:** 0001628280-26-034760
**Filing Date:** 2026-5
**Character Count:** 19349
**Document Hash:** 940a86ce3ae856d62a8cea2242ba30db
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001628280-26-034760.hdr.sgml**: 20260513

**ACCESSION NUMBER**: 0001628280-26-034760

**CONFORMED SUBMISSION TYPE**: S-1MEF

**PUBLIC DOCUMENT COUNT**: 14

**FILED AS OF DATE**: 20260513

**DATE AS OF CHANGE**: 20260513

**EFFECTIVENESS DATE**: 20260513

**FILER**: 

**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

**FILING VALUES:**
- **FORM TYPE:** S-1MEF
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-295865
- **FILM NUMBER:** 26975452

**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

**As filed with the Securities and Exchange Commission on May 13, 2026.**

**Registration No. 333-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;** 

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM S-1**

**REGISTRATION STATEMENT**

**Under**

**The Securities Act of 1933**

**NEPTUNE INSURANCE HOLDINGS INC.**

**(Exact name of registrant as specified in its charter)**

---

| | | |
|:---|:---|:---|
| **Delaware** | **6411** | **33-4189588** |
| **(State or other jurisdiction of incorporation or organization)** | **(Primary standard industrial** <br>**code number)** | **(I.R.S. employer**<br>**identification no.)** |

---

**400 6**<sup>th</sup> **Street S, Suite 2**

**St. Petersburg, Florida 33701**

**(727) 202-4815**

**(Address, including zip code, and telephone number, including area code, of registrant's principal executive offices)**

**Trevor Burgess**

**Chief Executive Officer**

**Neptune Insurance Holdings Inc.** 

**400 6**<sup>th</sup> **Street S, Suite 2**

**St. Petersburg, Florida 33701**

**(727) 202-4815**

**(Name, address, including zip code, and telephone number, including area code, of agent for service)**

***Copies to:***

---

| | |
|:---|:---|
| **Michael J. Sullivan**<br>**Mark Mushkin**<br>**Albert Vanderlaan**<br>**Orrick, Herrington & Sutcliffe LLP**<br>**The Orrick Building**<br>**405 Howard Street**<br>**San Francisco, CA 94105**<br>**(415) 773-5700** | **Joseph A. Hall**<br>**Pedro J. Bermeo**<br>**Steven J. Glendon**<br>**Davis Polk & Wardwell LLP**<br>**450 Lexington Avenue**<br>**New York, NY 10017**<br>**United States**<br>**(212) 450-4000** |

---

Approximate date of commencement of proposed sale to the public: **As soon as practicable after the effective date of this registration statement.**

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, check the following box. ☐

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☒ 333-295765

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

---

| | | | |
|:---|:---|:---|:---|
| Large accelerated filer | ☐ | Accelerated filer | ☐ |
| Non-accelerated filer | ☒ | Smaller reporting company | ☐ |
| | | Emerging growth company | ☒ |

---

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act ☐

**The Registration Statement shall become effective upon filing in accordance with Rule 462(b) promulgated under the Securities Act of 1933, as amended.**

------

**EXPLANATORY NOTE**

This Registration Statement is being filed pursuant to Rule 462(b) under the Securities Act of 1933, as amended (the "Securities Act"), for the sole purpose of increasing the aggregate number of shares of Class A common stock offered by certain selling stockholders of Neptune Insurance Holdings Inc. (the "Registrant") to be registered for sale by 1,708,647 shares, 222,867 of which are subject to purchase upon exercise of the underwriters' option to purchase additional shares of the Registrant's Class A common stock from the selling stockholders. The additional shares that are being registered for sale are in an amount and at a price that together represent no more than 20% of the maximum aggregate offering price set forth in the Filing Fee Table (Exhibit 107) filed as an exhibit to the Registration Statement on Form S-1 (File No. 333-295765) (the "Initial Registration Statement"). The information set forth in the Initial Registration Statement and all exhibits thereto filed by the Registrant with the Securities and Exchange Commission (the "Commission") pursuant to the Securities Act, which was declared effective by the Commission on May 13, 2026, are incorporated by reference into this Registration Statement.

The required opinion and consents are listed on the Exhibit Index attached hereto and filed herewith.

------

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| **Exhibit** <br>**Number** | **Description** |
| 5.1 | <u>[Opinion of Orrick, Herrington & Sutcliffe LLP](exhibit51-sx1mef.htm)[.](exhibit51-sx1mef.htm)</u> |
| 23.1 | <u>[Consent of Orrick, Herrington & Sutcliffe LLP (included in Exhibit 5.1)](exhibit51-sx1mef.htm)[.](exhibit51-sx1mef.htm)</u> |
| 23.2 | <u>[Consent of Independent Registered Public Accounting Firm](exhibit232-sx1mef.htm)[.](exhibit232-sx1mef.htm)</u> |
| 24.1 | <u>[Power of Attorney (Incorporated by reference to Exhibit 24.1 to Registration Statement on Form S-1 (Registration No. 333-295765)](https://www.sec.gov/Archives/edgar/data/2067129/000162828026033573/neptuneflood-sx1.htm#ia8971b5dd49a4bd3827416d8ebae5633_1218)[).](https://www.sec.gov/Archives/edgar/data/2067129/000162828026033573/neptuneflood-sx1.htm#ia8971b5dd49a4bd3827416d8ebae5633_1218)</u> |
| 107 | <u>[Filing Fee Table](np_exfilingfees.htm)[.](np_exfilingfees.htm)</u> |

---

------

**Signatures**

Pursuant to the requirements of the Securities Act, the Registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of St. Petersburg, State of Florida, on May 13, 2026.

---

| | |
|:---|:---|
| **Neptune Insurance Holdings Inc.** | **Neptune Insurance Holdings Inc.** |
| **By:** | /s/ Trevor Burgess |
|  | Trevor Burgess |
|  | Chief Executive Officer and Chairman of the Board of Directors |

---

Pursuant to the requirements of the Securities Act, this Registration Statement has been signed by the following persons in the capacities and on the dates indicated:

---

| | | |
|:---|:---|:---|
| **Name** | **Title** | **Date** |
| /s/ Trevor Burgess | Chief Executive Officer and Chairman of the Board of Directors<br>(principal executive officer) | May 13, 2026 |
| Trevor Burgess | Chief Executive Officer and Chairman of the Board of Directors<br>(principal executive officer) | May 13, 2026 |
| /s/ Jim Steiner | Chief Financial Officer and Director<br>(principal financial and accounting officer) | May 13, 2026 |
| Jim Steiner | Chief Financial Officer and Director<br>(principal financial and accounting officer) | May 13, 2026 |
| \* | Director | May 13, 2026 |
| Jonathan Carlon | Director | May 13, 2026 |
| \* | Director | May 13, 2026 |
| Blair J. Greenberg | Director | May 13, 2026 |
| \* | Director | May 13, 2026 |
| Cristian Melej | Director | May 13, 2026 |
| \* | Director | May 13, 2026 |
| Mike Vostrizansky | Director | May 13, 2026 |

---

---

| | |
|:---|:---|
| By: | /s/ Trevor Burgess |
|  | Trevor Burgess |
|  | Attorney-in-Fact |

---

## Ex-Filing

?xml version='1.0' encoding='ASCII'? EX-FILING FEES

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Calculation of Filing Fee Tables**  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **S-1**  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Neptune Insurance Holdings Inc.**  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Security Type**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Security Class Title**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Fee Calculation or Carry Forward Rule**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Amount Registered**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Proposed Maximum Offering Price Per Unit**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Maximum Aggregate Offering Price**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Fee Rate**  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Amount of Registration Fee**  |
| **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** | **Newly Registered Securities** |
| Fees to be Paid | 1 | Equity | Common Stock, par value $0.00001 per share | 457(a) | 1708647 | $27.50 | $46987792.50 | 0.0001381 | $6489.01 |
| Fees Previously Paid |  |  |  |  |  |  |  |  |  |
| **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** | **Carry Forward Securities** |
| Carry Forward Securities |  |  |  |  |  |  |  |  |  |
|  |  |  | Total Offering Amounts: | Total Offering Amounts: | Total Offering Amounts: |  | $46987792.50  |  | $6489.01  |
|  |  |  | Total Fees Previously Paid:  | Total Fees Previously Paid:  | Total Fees Previously Paid:  |  |  |  | $0.00  |
|  |  |  | Total Fee Offsets:  | Total Fee Offsets:  | Total Fee Offsets:  |  |  |  | $0.00  |
|  |  |  | Net Fee Due:  | Net Fee Due:  | Net Fee Due:  |  |  |  | $6489.01  |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Offering Note** <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup> (a) Represents only the additional number of shares of Class A common stock being registered and includes 222,867 additional shares of the registrant's Class A common stock that the underwriters have the option to purchase from the selling stockholders. Does not include the securities that the Registrant previously registered on the Registration Statement on Form S-1 (File No. 333-295765). (b) Estimated solely for the purpose of calculating the registration fee pursuant to Rule 457(a) under the Securities Act of 1933, as amended. The Registrant previously paid a registration fee of $32,445.08 in connection with the initial filing of the Registration Statement on Form S-1 on May 11, 2026. The fee was estimated solely for the purpose of calculating the registration fee in accordance with Rule 457(c) under the Securities Act of 1933, as amended.

---

| |
|:---|
| |
| **Rules 457(b) and 0-11(a)(2)** |
| Fee Offset Claims |
| Fee Offset Sources |
| **Rule 457(p)** |
| Fee Offset Claims |
| Fee Offset Sources |

---

## Exhibit 5.1

---

| |
|:---|
| **Exhibit 5.1** |
| ![picture1.jpg](picture1.jpg) |

---

**Orrick, Herrington & Sutcliffe LLP**<br>51 West 52nd Street<br>New York, NY 10019<br>+1 212 506 5000<br>**orrick.com**<br>

May 13, 2026

Neptune Insurance Holdings Inc.

400 6th Street S, Suite 2

St. Petersburg, Florida 33701

Re:&nbsp;&nbsp;&nbsp;&nbsp; Registration Statement on Form S-1

Ladies and Gentlemen:

We are acting as counsel to Neptune Insurance Holdings Inc., a Delaware corporation (the "<u>Company</u>"), in connection with (1) the registration statement on Form S-1 filed by the Company with the Securities and Exchange Commission (the "<u>Commission</u>") on May 11, 2026 (the "<u>Prior Registration Statement</u>"), under the Securities Act of 1933, as amended (the "<u>Securities Act</u>"), and (ii) a second Registration Statement on Form S-1 filed pursuant to Rule 462(b) promulgated under the Securities Act (the "<u>462(b) Registration Statement</u>", and together with the Prior Registration Statement, the "<u>Registration Statement</u>"). This opinion letter is being furnished to you in connection with your filing of the 462(b) Registration Statement relating to the registration of the sale by certain selling stockholders of the Company (the "<u>Selling Stockholders</u>") of up to 1,708,647 shares (the "<u>Shares</u>") of the Company's Class A common stock, $0.00001 par value per share, including 222,867 shares subject to the option granted by the Selling Stockholders to the underwriters to purchase additional shares, to the underwriters for resale to the public as described in the Registration Statement and pursuant to an underwriting agreement (the "<u>Underwriting Agreement</u>"), substantially in the form filed as an exhibit to the Prior Registration Statement, to be entered into by and among the Company, the Selling Stockholders and the representatives of the several underwriters named in Schedule I thereto (the "<u>Underwriters</u>"). This opinion is in addition to our opinion that was filed as Exhibit 5.1 to the Company's Prior Registration Statement.

In connection with rendering the opinion set forth below, we have examined and relied upon originals or copies, certified or otherwise identified to our satisfaction, of instruments, documents, and records which we deemed relevant and necessary for the purpose of rendering our opinion set forth below. In such examination, we have assumed the following: (a) the authenticity of original documents and the genuineness of all signatures, (b) the conformity to the originals of all documents submitted to us as copies, (c) the representations of officers and employees are correct as to questions of fact, (d) the Registration Statement has been declared effective pursuant to the Securities Act and (e) a pricing committee of the board of directors will have taken action necessary to set the sale price of the Shares.

------

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| | |
|:---|:---|
| May 13, 2026<br>Page 2 | |
| May 13, 2026<br>Page 2 | ![picture1.jpg](picture1.jpg) |

---

Our opinion herein is limited to the General Corporation Law of the State of Delaware.

Based upon the foregoing, we are of the opinion that the Shares to be sold to the Underwriters by the Selling Stockholders pursuant to the Underwriting Agreement have been duly authorized and are validly issued, fully paid and non-assessable under the laws of the State of Delaware.

We consent to the filing of this opinion as an exhibit to the Registration Statement, and we further consent to the use of our name under the caption "Legal Matters" in the Registration Statement and the prospectus that forms a part thereof. In giving these consents, we do not thereby admit that we are within the category of persons whose consent is required under Section 7 of the Securities Act or the Rules and Regulations of the Commission promulgated thereunder, nor do we thereby admit that we are "experts" within the meaning of such term as used in the Securities Act with respect to any part of the Registration Statement, including this opinion letter as an exhibit or otherwise.

Very truly yours,

/s/ Orrick, Herrington & Sutcliffe LLP

Orrick, Herrington & Sutcliffe LLP

## Exhibit 23.2

**Exhibit 23.2**

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in this Registration Statement on Form S-1 of our report dated February 25, 2026 relating to the financial statements, which appear in the Registration Statement on Form S-1 (No. 333-295765) of Neptune Insurance Holdings Inc. We also consent to the reference to us under the heading "Experts" in the Registration Statement on Form S-1 (No. 333-295765) incorporated by reference in this Registration Statement.

/s/ PricewaterhouseCoopers LLP

Philadelphia, Pennsylvania

May 13, 2026

<br>