Start Planning Your Next Excess Professional Win

2 big wins, 1 trusted carrier: Excess Professional from Kinsale

Flexible terms | Broad medical & non-medical appetites | Industry-leading turnaround

Kinsale’s Excess Professional Division is committed to fast, flexible solutions. Supported or unsupported, we deliver precision results for both medical and non-medical professional accounts, helping you close the deal, time and again. Read on for proof of what’s possible.

Medical Spotlight

A five-location treatment center, quoted in three hours

A five-location substance abuse treatment center in California needed $2M x Primary (unsupported) over General Liability, Professional Liability, and Auto, and its broker was racing the clock to place it. Our underwriter turned around a quote in three hours, then engaged in meaningful negotiations with the broker to get the rate and coverage terms where they needed to be. The policy was bound soon after.

Coverage: Excess GL, PL, & Auto
Premium: $21,492 | Turnaround: ~3 hours

Our medical coverage options include excess over GL only, PL only, or GL & PL, plus EBL, EL, and case-by-case Auto Liability or Abuse/Molestation for a wide range of medical classes.

Allied Health Target Classes:

• All things medical or miscellaneous facility-related
• Foster/adoption agencies
• Medical transport
• Group homes
• Home health
• Long-term care facilities
• Skilled & intermediate care
• Assisted & intermediate care
• Outpatient medical facilities (labs, clinics, surgical, rehab, etc.), including medical marijuana evaluators
• Pharmacies, including medical marijuana dispensaries
• Social service agencies
• Staffing agencies

Health Care Target Classes:

• Non-standard chiropractors & podiatrists
• Non-standard dentists (all specialties)
• Non-standard mid-level providers
• Non-standard physicians & surgeons (all specialties)
• Group practitioners (all specialties)
• Locum Tenens/medical staffing
• Stand-alone medical directors

Non-Medical Spotlight

A competitive case won on speed and price

The broker for a 15-attorney Los Angeles plaintiff litigation firm was weighing our $5M excess quote against a competing bid of $27,700 for the same layer. Our underwriter reviewed the account’s structure and loss history and was able to quickly identify room to sharpen the price. The result was a quote well below the competing bid, structured to sit exactly where the broker needed us in the tower. That combination of underwriting precision, quick turnaround, and competitive price won the deal.

Coverage: $5M x $5M
Our Winning Premium: $21,454 vs. the Expiring Premium: $26,900

Our non-medical appetite spans dozens of professional classes with Contract/Job-Specific and Aggregate-Only Excess options, plus Management Liability for D&O and EPL.

Management Liability Target Classes:

• Directors & Officers Liability (D&O)
  • Biotechnology
  • Cannabis operations
  • Country clubs
  • Film & television sets
  • Healthcare
  • Homeowners or condo owners associations
  • Media production companies
  • Non-profit organizations
  • Places of worship
• Employment Practices Liability (EPL)
  • Assisted living facilities
  • Auto dealers
  • Cannabis operations
  • Dance clubs
  • Home healthcare providers
  • Law firms
  • Non-profit organizations
  • Restaurants
• Fiduciary Liability (FID)
  • Both for- & non-profit risks
  • Includes named organization, subsidiaries, sponsored plan, & other insured persons

Professional Liability Target Classes:

• Accounting
• Architecture & Engineering
• Financial Planning
• Insurance
• Law
• Manufacturing
• Miscellaneous professional
• Real Estate

Explore the Potential for your Excess Professional accounts with Kinsale.

Our team has the flexibility to customize terms to your account’s exact needs, expertise to create solutions across both medical and non-medical appetites, and speed that helps you close the deal faster.

Request Your Quote Today