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Specialty

Public Entity

Kinsale’s Public Entity Division targets hard-to-place Educational Institution (School Board) and Law Enforcement/Police Professional Risks; often those accounts are being non-renewed by other markets due to claim activity. We will offer both primary and/or excess coverage. In general, Kinsale focuses on the small-to-medium size risks, but will consider larger accounts on an individual risk basis. Kinsale has an A.M. Best Rating of A- VIII.

Educational Institution (School Board):

Eligible Risks Include: K-12 to Small Colleges. 5,000 or less Student Population.  Larger Educational Institutions may be submitted for Underwriter Review.

Target Classes:

  • Charter Schools;
  • Colleges (Small);
  • Community Colleges;
  • Private Schools;
  • Public Schools;
  • Vocational Schools.

Policy Structure

  • Claims-made and reported coverage form. (Note: Prior acts coverage considered on most accounts with current coverage in place);
  • Primary or Excess Limits up to $5M/$5M;
  • Employment Practices Liability (EPL) included on most accounts;
  • Minimum Premium is $10,000 (negotiable based on individual account characteristics);
  • Minimum Deductibles: D&O $10,000. EPL $25,000; (Negotiable based on account.)
  • Duty to defend with consent to settle wording;
  • Risk management hotline available for D&O and EPL matters (administered by a national law firm);
  • Customized Coverage available based on the merits of the account.
Law Enforcement (Police Professional):

Eligible Risks Include: Law Enforcement Departments for boroughs, cities, counties, townships and villages serving populations of 100,000 or less. Larger venues may be submitted for underwriting review.

Target Classes:

  • Law Enforcement/Police Professional, Police department or Sheriff Agency;
  • Other public safety organizations including:
    • Alcohol Beverage-Control Boards;
    • Building Authorities;
    • College/University;
    • Emergency Communications;
    • Housing Authorities;
    • K-12 District;
    • Medical Facilities;
    • Parking Authorities;
    • Parks & Recreation;
    • Penal Institutions or Facilities;
    • Post/Airport Authorities;
    • Distressed/hard-to-place accounts including those with claim activity.

Policy Structure

  • Occurrence or Claims-made and reported coverage form. (Note: Prior acts coverage considered on most claims-made accounts with current coverage in place);
  • Primary or Excess Limits up to $5M/$5M;
  • Minimum Premium is $10,000 (negotiable based on individual account characteristics);
  • Standard Deductible $25,000;
  • BI/PD and Personal Injury included.
  • Moonlighting coverage is available.
  • Customized Coverage available based on the merits of the account.