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Brokers in

Brokers in


Small Business

The Kinsale Small Business Division will concentrate on smaller risks with an emphasis on artisan contractors and OL&T/premises related exposures. This Division offers our Brokers an alternative to their traditional binding authority markets by providing rapid turnaround time on all submissions (4 hours or less) once all underwriting information has been submitted to the company.

We define a small risk as having revenue under $2,000,000, area under 100,000 square feet, apartments less than 200 units, vacant buildings less than 200,000 square feet and vacant land less than 1500 acres. (Casualty business submitted that is outside of the defined criteria will be sent to our Primary Casualty Division).

Target Classes:

Artisan Contractors:

  • A majority of artisan contractors are available. EXCEPTIONS are those contractors performing the following work: Environmental, equipment rental, fireplace or woodstove installation, fire restoration, fire suppression, pest control, playground equipment installation, roofers, street and road work, tree contractors and welders.

Minimum premium: $1,550;
Maximum premium around $15,000.

Premises Operations (OL&T):

  • Nearly 200 classes eligible including agricultural land, amusement/arcade facilities/events, clubs, habitational, hotel/motel, LRO, restaurants, retail stores, shopping centers, special events, truckers, vacant land and buildings. EXCEPTIONS are elderly and fraternity housing, party rentals, event planners and staffing firms.

Minimum premium: $775;
Maximum premium around $7,500.

Policy Structure:
  • $10,000,000 Capacity;
  • Commercial General Liability and Products Completed Operations Liability;
  • ISO Occurrence coverage form;
  • Deductibles $0 to $5,000.
Submission Requirements:
  • ACORD Commercial Insurance Application and General Liability Application with a complete Description of Operations signed by the insured;
  • Supplemental Application, where appropriate;
  • Three Year Summary of Losses with a description provided for large losses;
  • Internet Website Information.