div#banner div.slide img { opacity: 1; }
Brokers in

Brokers in


Excess Casualty

The Kinsale Property Division specializes in creative and practical solutions for your hard-to-place risks. We offer Ground-up, Primary and Excess. We can write All Risk, Deductible Buy-Backs, DIC, Equipment Breakdown and Single peril. The Division provides fast turn-around on risks with losses, short lead-time for new acquisitions or properties that do not fulfill program underwriting requirements.

Target Classes:
  • Entertainment;
  • Excess Habitational – Apartments,Assisted Living Facilities, Condos;
  • Food & Drug Manufacturing;
  • LRO Commercial/Industrial;
  • Manufacturing (Light to Moderate Hazard);
  • Marijuana Industry (Excluding Stock);
  • Municipalities/Government Buildings;
  • Personal Repair Services;
  • Professional/Office Buildings;
  • Vacant Buildings;
  • Warehousing/Wholesale.
Excluded Classes:
  • Agriculture Growing Crops, Timber;
  • All Risks Buybacks;
  • Auto Physical Damage – Primary;
  • Foundries;
  • Manufactured Housing;
  • Ocean Marine;
  • Oil & Gas/Petrochemical;
  • Paper Mills;
  • Plastics Manufacturing;
  • Radio, Television, Cell Towers;
  • Recycling;
  • Risk Purchasing Groups;
  • Rolling Stock;
  • Tire Rethreading.

Ground-up:  Capacity to $15,000,000 ($10,000,000 in critical catastrophe areas).  We target small-to-medium size risks for a variety of occupancies. The majority of our ground-up business has between one and twenty locations.

Primary:  Capacity to $10,000,000 including all catastrophe perils. Our appetite is for medium and larger risks up to $1B in Total Insured Value.

Excess:  Capacity up to $10,000,000 on regional and national accounts. We can write in or out of the PML, Buffer and Capacity layers.

Catastrophe Appetite:

Wind:  All Risks, DIC, Single peril capacity available in all catastrophe areas. We avoid Frame/Joisted Masonry 0/3 miles to coastal water. Capacity available in all zones.

Flood:  All Risks, DIC, Single peril capacity. Prefer Excess in and out of PML and smaller schedules. No primary stand-alone coastal flood or major state river zones.

Earthquake:  DIC, Single peril or include with All Risks perils.  Capacity available in all zones PNW, New Madrid, and Oklahoma. We avoid unreinforced masonry, tuck under or soft story and soil. Not available in California.

Submission Requirements:
  • Broker Specifications (Word Format);
    • Eff. Date;
    • Description of Occupancy(s);
    • Requested Coverage & Perils;
    • Suggested Layering, if applicable;
    • Statement of Values (Excel Format);
  • Five Year Summary of Losses with a Description provided for Large Losses over $25,000.