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Brokers in

Brokers in

Property

Excess Property

The Kinsale Excess Property Division will offer excess coverage for a wide variety of occupancies throughout the United States. We offer practical solutions for your difficult to place Excess & Surplus lines excess property risks.

Target Classes:
  • Residential;
  • Restaurants/Service Industries;
  • Manufacturing (Light to Moderate);
  • Municipalities/Government Buildings;
  • OL&T Commercial/Industrial;
  • Professional/Office Buildings;
  • Vacant Buildings.
Excluded Classes:
  • Crop/Standing Timber;
  • Oil and Gas/Petrochemical/Pipeline;
  • Rolling Stock;
  • Special Event /Contract Guarantees;
  • T&D Lines.
Policy Structure:
  • Company and/or Manuscript follow form(s).
Policy Types:
  • All Risk of Direct Physical Loss or Damage;
  • DIC including Flood and/or Earthquake;
  • Named or Specified Peril;
  • Deductible Buybacks for Wind and Earthquake;
  • Inland Marine (See Inland Marine product information).
Perils Insured:
  • Fire and Allied Lines (Basic, Broad and Special);
  • Equipment Breakdown;
  • Earthquake (Pacific Northwest, New Madrid, Southeast);
  • Flood: Zone A (100 Year), Zone X/B (500 Year), Zone X/C;
  • Named Windstorm.
Coverage:
  • Building;
  • Personal Property;
  • Stock/Inventory;
  • Improvements and Betterments;
  • Personal Property of Others;
  • Electronic Data Processing/Media;
  • Accounts Receivable;
  • Valuable Papers;
  • Business Interruption;
  • Fine Arts;
  • Extra Expense;
  • Property in the Course of Construction;
  • Contractor’s Equipment;
  • Transportation;
  • Mobile Equipment;
  • Increased costs of Construction Demolition;
  • Equipment Breakdown.
Policy Attachment:
  • Buffer and High Excess.
  • Stand Alone; Quota Share
Limit:
  • $10,000,000 maximum capacity;
  • $5,000,000 maximum capacity for CAT causes of loss.
Submission Requirements:
  • Broker Specifications (Word Format);
  • Eff. Date
  • Description of Occupancy(s), if applicable
  • Requested Coverage & Perils
  • Suggested Layering
  • Statement of Values (Excel Format)
  • Five Year Summary of Losses with a Description provided for Large Losses over $25,000.