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Brokers in

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Kinsale’s Professional Liability Division writes small-to-medium sized hard-to-place and/or distressed Non-Medical Professional Liability risks. We target surplus lines risks that have been non-renewed, are in difficult legal venues, have poor loss history; have unique operational characteristics or that are new in business. We can customize and manuscript coverage wording to fit your client’s needs. Kinsale has an A.M. Best Rating of A- VII.

Target Classes:


  • Solo to mid-size;
  • Private/public audits;
  • Business valuation;
  • Forensic accounting;
  • Merger & acquisitions;
  • Litigation support services;
  • Projections & forecasts;

Architects & Engineers:

  • Acoustical;
  • Aerospace;
  • Design/build;
  • Geotechnical;
  • Process and structural engineers;
  • Construction management (focus on agency CMs);
  • Contingent pollution coverage available.


  • $10,000,000 limit capacity (primary or excess);
  • Project or client specific excess available;
  • Aggregate only excess available.

Financial Planners:

  • Solo to mid-size practices;
  • Alternative investment vehicles;
  • Discretionary asset management;
  • Unregistered/unlicensed professionals.

Insurance Agents:

  • Agents/Brokers/MGA’s;
  • Life/Health;
  • Aviation;
  • Crop insurance;

Law Firms:

  • Small to mid-size including solo practitioners;
  • Plaintiff litigation including class action/mass tort;
  • Securities;
  • Intellectual property.

Miscellaneous Professional:

  • Hard-to-place miscellaneous E&O;
  • Crane inspectors;
  • Actuaries;
  • OSHA Compliance Consultants;

Real Estate Related:

  • Real estate agents & brokers;
  • Appraisers;
  • Business brokers;
  • Mortgage brokers;
  • Property managers;
  • Real estate consultants.
Policy Structure:
  • Claims-made and reported coverage form (Note: Prior acts coverage considered on most accounts with current coverage in place);
  • Customized Coverage. Based on the account, optional buy-back endorsements are available for aggregate deductibles, contingent bodily injury and property damage, copyright and trademark infringement, defense outside the limits, libel & slander or full personal injury coverage, incident reporting, punitive damages and extended reporting period options up to 36 months with the premium quoted upfront. We can also manuscript endorsements to tailor coverage to an account;
Submission Requirements:
  • Kinsale Professional Liability Application preferred but we will underwrite off non-Kinsale applications if all necessary underwriting information is provided; Supplemental Applications where appropriate (Both signed and dated by the Insured when bound);
  • Five Year currently valued company loss runs
  • Copy of expiring Dec Page required upon binding (if quoted with prior acts).