Construction

Kinsale’s Construction Division writes all types of commercial, industrial, residential, and specialty trade contractors. A typical contractor has over $2,000,000 in revenue. Our team specializes in creatively underwriting your hard-to-place contractors that may have a poor loss history, tough exposures, or that may have other difficult risk characteristics.

TARGET CLASSES

New Residential Construction: general contractors, custom home builders, trade contractors, and subcontractors

Residential Renovation and Remodeling: all trades eligible

Commercial Construction: general and subcontractors, including:

  • Concrete construction
  • Demolition
  • Excavation, site preparation, and grading
  • Fire suppression
  • Framing
  • Horizontal drilling and conduit construction
  • HVAC
  • Infrastructure developers
  • Plaster, stucco, and EIFS
  • Roofing
  • Steel erection
  • Seismic retrofitting
  • Water/sewer mains

Project-Specific, Owner’s Interest, and OCP available

POLICY STRUCTURE

  • $10,000,000 excess capacity available through Kinsale’s Excess Casualty Division
  • Commercial General Liability and Products/Completed Operations Liability
  • ISO Occurrence and Claims-Made coverage forms; proprietary and manuscript forms available to customize coverage
  • Per location and per project aggregate options
  • Deductibles $0 – $25,000

SUBMISSION REQUIREMENTS

  • ACORD Commercial Insurance application and General Liability application with a complete description of operations (signed and dated by the insured when bound)
  • Supplemental application, where appropriate (signed and dated by the insured when bound)
  • Five-year currently-valued company loss runs with a description provided for losses over $25,000
  • Website information

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