 AM Best has downgraded the Financial Strength Rating to B Good from A- Excellent and the Long-Term Issuer Credit Rating Long-Term ICR to bbb from a- of Kingstone Insurance Company KICO Kingston, NY. Concurrently, AM Best has downgraded the Long-Term ICR to bb from bbb- for Kingstone Companies Inc. KINS Delaware NASDAQ: KINS, the insurance holding company of KICO. 