Infographic: Small Business

Download Kinsale’s Small Business Infographic today to help illustrate our appetite for smaller accounts!

Kinsale’s Small Business Division concentrates on smaller risks with an emphasis on contractors and OL&T/premises-related exposures. We offer our brokers an alternative to their traditional binding authority markets by providing rapid turnaround time and a broader risk appetite than those markets. Submissions are generally reviewed and quoted within four hours.

We define a small risk as having revenue under $2.5M, apartments less than 200 units, area under 100,000 square feet, buildings less than 200,000 square feet, and vacant land less than 1,500 acres. A business that does not fit our Small Business Casualty definition is sent the same day to the appropriate Kinsale underwriting division. 

Target Classes include: 

• Contractors (General Contractors and Artisan Trade Contractors):
  • Primary classes written
    • Carpentry,
    • Concrete
    • Demolition
    • Drywall
    • Electricians
    • Excavation/grading of land
    • HVAC
    • Metal erection
    • Painting
    • Plastering/EIFS/stucco
    • Roofers
    • Swimming pool installation
  • Many other classes also considered
  • Premium Range: $2,000 to $15,000
• Premises Operations (OL&T):
  • Nearly 200 classes eligible
  • Primary classes written
    • Apartments
    • Condo owners associations
    • Consultants
    • Habitational
    • Hotel/motel
    • LRO
    • Mobile home parks
    • Office premises
    • Parking
    • Real estate development property
    • Shopping centers
    • Vacant buildings and land
  • Landlords and property managers with cannabis growers or dispensaries may require coverage for their cannabis exposures
  • Minimum Premium: $1,800

Questions? Contact our team of Small Business Underwriters!