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Kinsale’s Construction Division writes Commercial General Liability and Completed Operations Liability coverages on an occurrence or claims-made coverage form. We tailor our coverage for your hard-to-place risks with an underwriting focus on Commercial, Industrial, Trade, Specialty and many residential construction operations.

Target Classes:

New Residential Construction and Contractors:

  • Custom home builders: General contractors and artisans – Maximum # new starts/units limited to twenty (20);
  • Minimum premium $15,000; Minimum deductible $5,000.

Residential Renovation and Remodeling:

  • Nearly all trades eligible.
  • Minimum premium $15,000; Minimum deductible $5,000;

Commercial Construction:

Emphasis on most commercial contractors including:

  • General Contractors (100% work subcontracted);
  • Excavation including water and sewer line;
  • Horizontal Borings;
  • Iron and Steel Erection;
  • Demolition;
  • Site prep and grading;
  • Crane Rental (on hook sublimits);
  • Street and Road;
  • Infrastructure developers;
  • Tilt Up Concrete;
  • Blasting;
  • Seismic retrofitting;
  • OCP;
  • Minimum premium $15,000; Minimum deductible $5,000.
Policy Structure:
  • $10,000,000 Capacity;
  • Commercial General Liability and Products/Completed Operations Liability;
  • ISO Occurrence and Claims-made coverage forms;
  • Customized Coverage.
Submission Requirements:
  • ACORD Commercial Insurance Application and General Liability Application with a complete Description of Operations, (Signed and dated by the Insured when bound);
  • Supplemental Application, where appropriate, (Signed and dated by the Insured when bound);
  • Five Year currently valued company loss runs with a description provided for losses over $25,000;
  • Internet Website Information.