HIT LIST: Construction wins

Real Contractors with Real Wins

Key Takeaways:

• A broad appetite for commercial, industrial, residential, specialty trade, & railroad-related risks
• Creative options for hard-to-place accounts, including those with poor loss histories, tough exposures, & complex risk characteristics
• Dedicated territory managers provide personalized service for every submission

Kinsale’s Construction Division builds solutions across a broad appetite of commercial, industrial, residential, and specialty trade contractors, as well as railroad-related risks.

Explore some of our latest wins to see how we use our industry expertise and creative problem-solving to build solutions for a wide range of Construction accounts.

Water Softening & Filtration Contractor:
Non-Renewed, Bound in 24 Hours

Unique Characteristics: Non-renewed out of the standard market due to losses; submitted two days prior to expiration
Coverage Solution: Quoted same day; bound next day
Premium: $40,000

When a Tennessee water softening and filtration contractor was non-renewed out of the standard market due to losses, the broker’s window was closing fast. When our underwriter received the submission with just two days to go before the policy expired. The account was quoted the same day it was submitted and bound the very next day, giving the broker a big win and the contractor the continuous coverage they needed.

Commercial Elevator Contractor:
New Venture, Next-Day Quote with NY Labor Law Coverage Included

Unique Characteristics: New venture; NY labor law exposure in a challenging market
Coverage Solution: Quoted next day; NY labor law coverage included
Premium: $300,000

A startup elevator contractor operating entirely out of New York City brought its broker a tight timeline and no loss runs of its own. Our underwriter reviewed the principals’ prior experience, underwrote the risk on that basis, and had a quote back the next day with the required NY labor law coverage included. For a new venture entering one of the country’s most demanding construction markets, that kind of turnaround makes all the difference.

Note: Kinsale’s New York appetite is for interior operations only

Residential General Contractor:
Large Loss History, Quoted Within 24 Hours

Unique Characteristics: New account with a large jobsite injury claim in loss history; submission cleared Friday afternoon
Coverage Solution: Quoted within 24 hours (Monday morning); uninsured subcontractor deductible; expanded residential limitation up to 100 units
Premium: $26,000

Choices felt limited for a residential general contractor in Washington thanks to a large job site injury claim in their loss history. With time running out, the broker submitted the account on a Friday afternoon, timing that might slow down many carriers. By Monday morning, our underwriter had the quote delivered. In addition to the quick turnaround, our underwriter had also structured the policy with an uninsured subcontractor deductible and expanded the residential limitation up to 100 units, giving the contractor the flexibility it needed to keep building.

HVAC, Plumbing & Electrical Contractor:
Non-Renewed with Prior Loss, Same-Day Quote

Unique Characteristics: Non-renewed by incumbent due to losses, including a $632,000 fire damage claim from a breaker issue; submission received 2 days prior to expiration
Coverage Solution: Quoted same day; policy terms silent on fire; coverage placed despite prior fire-related loss history
Premium: $75,000

A multi-trade contractor in Los Angeles County had a difficult file with non-renewal by its incumbent carrier due to losses, a $632,000 fire damage claim in its history, and only two days until the policy expired. The broker turned to Kinsale. Our underwriter reviewed the account and quoted it the same day, structuring terms that were silent on fire—meaning the insured received coverage without an exclusion tied to the claim type that had caused its non-renewal. The account was bound in time to prevent a coverage gap.

HVAC & Refrigeration:
New Height Limitation; A Work-at-Height Solution Delivered Next Day

Unique Characteristics: Incumbent added a height limitation at renewal, restricting coverage for the contractor’s core work
Coverage Solution: Competitively priced; work-at-height coverage fully included; quoted next business day
Premium: $76,775

When a Florida HVAC and refrigeration contractor came up for renewal, the incumbent added a height limitation, a practice that’s become increasingly common in the Florida contractor market. The broker brought the account to Kinsale, where height work is a part of our appetite. Our underwriter delivered a competitively priced quote the next business day, with work-at-height coverage fully included.

Other Construction wins at-a-glance:

Ready for your next big win?

From accounts facing non-renewals and adverse loss histories to new ventures in challenging markets, Kinsale’s Construction Division delivers creative solutions across a broad appetite, including:

• Commercial, industrial, residential, and specialty trade contractors, as well as railroad-related risks
• CGL & Products/Completed Operations Liability with flexible policy structures & a range of deductible options
• Excess coverage available through our Excess Casualty Division

Get your quote started today or contact your dedicated territory manager to learn more.

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Explore the Potential of big wins for your Construction accounts at Kinsale.