Looking back at the 2025 property market & forward to 2026

A Note from Kinsale’s Property Leaders: What’s Happened & What’s Ahead

Key Takeaways:

• Our Property Divisions met the soft 2025 market with expanded appetites & capacity, fast turnaround, & consistency
• Best-in-class service, proprietary technology, & creative underwriting continue to drive our success
• In 2026, we’re committed to remaining a resource you can count on, regardless of market conditions

As we welcome 2026, we look forward to the opportunities the new year holds for E&S Property. I’ve taken time to reflect and want to share how we responded to 2025’s soft market and some of our goals for the coming year.

Our Commercial Property Division delivered the same consistent, fully engaged approach that defined us in the hard market. As conditions softened, we remained committed to finding solutions to support your needs. As a result, we:

• Increased capacity across our appetite
• Adapted coverages with new offerings like primary quota share
• Maintained competitive pricing
• Expanded into new areas & considered risks we hadn’t before

In Small Property, we held our strong market position and let our best-in-class service take center stage.

• We gave you more options with a broadened appetite & increased capacity
• We delivered a higher volume of quotes with a high-touch approach that ensured accuracy
• We focused on keeping your business moving by getting quotes out with industry-leading speed, many within 24 hours

Across both Property Divisions—adaptability was key. Our proprietary technology drove speed and precision, and our flexible underwriting allowed us to stay competitive without sacrificing growth. We talked to our brokers, making 130 office visits, logging 150 virtual meetings, and picking up the phone thousands of times to ensure we were on top of your account needs and the industry trends. So, as the market shifted throughout 2025, we were watching, adjusting, and reacting in real-time, if not ahead of the curve.

Moving into 2026, we’re leaning into the market, listening closely to your feedback, expanding where it makes sense, and using our technology to move quickly. The goal remains the same: Be consistent, be responsive, and be a resource you can count on, regardless of where the cycle turns next.

We appreciate the trust you place in Kinsale and look forward to what’s ahead!

Sincerely,
Jessica Updike

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