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Brokers in

Brokers in

Property

Primary Property

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

Target Classes:
  • Manufacturing (Light to Moderate);
  • Municipalities/Government Buildings;
  • OL&T Commercial/Industrial;
  • Professional/Office Buildings;
  • Vacant Buildings;
  • Entertainment/Retail.
Excluded Classes:
  • Frame & JM Residential;
  • Frame & JM Restaurants;
  • Crop/Standing Timber;
  • Oil and Gas/Petrochemical/Pipeline;
  • Rolling Stock;
  • Special Event /Contract Guarantees;
  • T&D Lines.
Policy Structure:
  • ISO and Company 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:
  • Primary full or loss limit.
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);
  • 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.