X0202 SCHEDULE 13G/A 0002087995 XXXXXXXX LIVE 1 Class A Common Stock, par value $0.00001 per share 06/30/2026 0002067129 Neptune Insurance Holdings Inc. 64073B103 400 6th Street S, Suite 2 St. Petersburg FL 33701 Rule 13d-1(d) BSIV Hold 101, LP DE 0 14252718 0 14252718 14252718 N 15.02 PN The reported percentage is calculated based upon 94,895,913 shares of Class A common stock ("Common Stock") outstanding as of April 27, 2026, as reported by the Issuer in its Quarterly Report on Form 10-Q ("Form 10-Q") filed with the Securities and Exchange Commission ("SEC") on April 29, 2026. BSIV Hold 101 GP, LLC DE 0 14252718 0 14252718 14252718 N 15.02 CO The reported percentage is calculated based upon 94,895,913 shares of Common Stock outstanding as of April 27, 2026, as reported by the Issuer in its Form 10-Q filed with the SEC on April 29, 2026. Bregal Sagemount IV General Partner Jersey Ltd Y9 0 14252718 0 14252718 14252718 N 15.02 CO The reported percentage is calculated based upon 94,895,913 shares of Common Stock outstanding as of April 27, 2026, as reported by the Issuer in its Form 10-Q filed with the SEC on April 29, 2026. Bregal Sagemount Management LP DE 0 14252718 0 14252718 14252718 N 15.02 PN The reported percentage is calculated based upon 94,895,913 shares of Common Stock outstanding as of April 27, 2026, as reported by the Issuer in its Form 10-Q filed with the SEC on April 29, 2026. Gene Yoon X1 0 14252718 0 14252718 14252718 N 15.02 IN The reported percentage is calculated based upon 94,895,913 shares of Common Stock outstanding as of April 27, 2026, as reported by the Issuer in its Form 10-Q filed with the SEC on April 29, 2026. Neptune Insurance Holdings Inc. 400 6th Street S, Suite 2, St. Petersburg, Florida 33701 This statement is filed by the entities and individuals listed below, all of whom together are referred to herein as the "Reporting Persons": (i) BSIV Hold 101, LP ("BSIV 101") (ii) BSIV Hold 101 GP, LLC ("BSIV 101 GP") (iii) Bregal Sagemount IV General Partner Jersey Ltd ("Bregal GP") (iv) Bregal Sagemount Management LP ("Bregal LP") (v) Gene Yoon The principal business address of BSIV 101, BSIV 101 GP, Bregal LP and Gene Yoon is 200 Park Avenue, 45th Floor, New York, NY 10166. The principal business address of Bregal GP is Second Floor, Winward House, La Route de la Liberation, St. Helier, Jersey, Y9, JE2 3BQ, Channel Islands. See responses to row 4 on each cover page. Y See responses to row 9 on each cover page. The reported securities are directly held by BSIV 101. BSIV 101 is managed by BSIV 101 GP, its general partner, which is managed by Bregal GP, its sole member, which is managed by a board of directors and is ultimately 100% owned by Gene Yoon. Bregal LP, which is majority owned by Gene Yoon, is the investment advisor to BSIV 101. Gene Yoon, as managing director of Bregal LP, may be deemed to have voting and dispostive power with respect to the Common Stock directly held by BSIV 101. The filing of this statement shall not be construed as an admission that the Reporting Persons or any of the foregoing are the beneficial owners of any of the securities covered by this statement. See responses to row 11 on each cover page. The reported securities represent 15.02% of the outstanding Common Stock. Such calculation is based upon 94,895,913 shares of Common Stock outstanding as of April 27, 2026, as reported by the Issuer in its Form 10-Q filed with the SEC on April 29, 2026. See responses to row 5 on each cover page. See responses to row 6 on each cover page. See responses to row 7 on each cover page. See responses to row 8 on each cover page. Y Y Y Y Y Y Exhibit 99.1 Joint Filing Agreement, dated as of November 7, 2025, incorporated by reference into this Schedule 13G. BSIV Hold 101, LP, By: BSIV Hold 101 GP, LLC, its General Partner, By: Bregal Sagemount IV General Partner Jersey Limited, its Sole Member. BSIV Hold 101 GP, LLC, By: Bregal Sagemount IV General Partner Jersey Limited, its Sole Member. BSIV Hold 101, LP /s/ Colin James Dow - /s/ Paul Andrew Bradshaw 08/13/2026 BSIV Hold 101 GP, LLC /s/ Colin James Dow - /s/ Paul Andrew Bradshaw 08/13/2026 Bregal Sagemount IV General Partner Jersey Ltd /s/ Colin James Dow - /s/ Paul Andrew Bradshaw 08/13/2026 Bregal Sagemount Management LP /s/ Gene Yoon 08/13/2026 Gene Yoon /s/ Gene Yoon 08/13/2026