Blog

24-Hour Service Win

Risk Type: Surface Mining

Challenge: Flexibility

Limits: $1M/2M

Premium: $6,071

Summary: A surface mining contractor needed GL coverage for quarry work, land grading, fence installation, and residential remodeling work. The broker couldn’t find flexible options with other carriers—but, our underwriter quoted and bound coverage the same day we received the submission.

Hard-to-Place Account Win

Risk Type: Oilfield Water Hauler & Kill Truck Service

Challenge: Adverse Loss History

Limits: $1M/2M

Premium: $28,000

Summary: A recent $375,000 injury loss made GL coverage hard to find for an oilfield water hauler with a vacuum truck. Their
broker began gathering quotes from multiple carriers. Two competitors offered coverage options, but our underwriter was able to
craft terms that beat their offers, and the bind order was ours.

Consistent Appetite Win

Risk Type: Water & Electric Utilities

Challenge: Existing Coverage Program Ended

Limits: $1M/2M + $2M excess

Premium: $60,000

Summary: The broker for a water and electric utilities company found herself shopping for coverage unexpectedly when the utility company’s existing carrier discontinued its program. She came to Kinsale and left with the primary and excess coverage her account needed to keep the lights on.

New Product Wins

Risk Type: Solar Energy

Challenge: Monoline Contractor’s Pollution Liability (CPL)

Limits: $1M/2M

Premium: $9,561

Summary: A solar energy contractor with $20M in annual sales needed pollution coverage to meet a lender’s requirement. The
contractor’s broker came to Kinsale for our new standalone CPL. In just two days, our underwriter had the policy quoted and bound.

Risk Type: Used Oil Recycling

Challenge: Oil Lease Property (OLP)

Limits: $605,820 (Property Value)

Premium: $13,190

Summary: A building owner operated a used oil recycling operation on one side of his property and a dirt work company on the
other. His broker was struggling to find a carrier willing to cover the O&G side until she came to Kinsale. We combined creative
underwriting with our OLP product and soon the account was bound.

Risk Type: Oil & Gas Exploration & Production

Challenge: Control of Well (COW)

Limits: $1M/$250k CCC

Premium: $5,000

Summary: An O&G exploration and production company operated more than 125 wells across multiple states, and its broker came to us seeking coverage for one of those wells. Our COW product with a $1M limit was the perfect fit. Our underwriter got the policy perfected, and it was bound shortly after.