Kinsale’s Energy Division offers both Primary Commercial General Liability and Excess Liability for your middle market energy risks. Our underwriting focus is on Oil & Gas (onshore/offshore), Alternative Energy, Mining and Power exposures. We can also customize coverage to your insured’s specialized needs.

Target Classes:

Oil & Gas (Onshore/Offshore):

  • Oil and Gas Service Contractors including over the hole contractors;
  • Manufacturers, Dealers and Distributors, including products that go down hole or offshore;
  • Transmission, Distribution and Storage;
  • Pipelines and Pipeline Terminals;
  • Refining;
  • Exploration and Production;
  • Consultants ($500,000 Sales or Greater).

Min. Prem. (Onshore) – Consultants/Over-the-Hole Contractors/Manufs.:$10,000; Min. Prem. (Onshore) – All Other Risks:$3,500; Min. Prem. (Offshore) – $25,000. Alternative Energy:

  • Solar Power Contractors and Manufacturers;
  • Wind Energy Contractors and Manufacturers;
  • Biomass and Biofuels;
  • Hydroelectric;

Minimum Premium: $3,500. Mining:

  • Surface and Underground Mining for Coal, Minerals and Metals;
  • Above Ground and Underground Contractors.

Minimum Premium: $10,000. Power:

  • Power Contractors;
  • Electric Co-Ops.

Minimum Premium: $5,000.

Contractors Pollution Liability/Professional Liability:

  • CPL/PL available on Contractor/Consultant classes;
  • General Liability must be written and generate a minimum premium of $10,000 to include CPL and $15,000 to include both CPL and PL;

Policy Structure:

  • Commercial General Liability and Products Completed Operations Liability;
  • ISO Occurrence coverage forms;
  • Time Element Pollution coverage;
  • $10,000,000 Capacity. Excess and layered arrangements may also be considered. Underlying Requirements: AL $1,000,000 CSL. GL $1,000,000/$2,000,000/$1,000,000. EL $100,000/$500,000/$100,000;
  • Deductible starts at $2,500 and will be tailored to the individual risk.

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.