Excess Casualty

The Kinsale Excess Casualty Division provides both supported and unsupported quotes at a lead, buffer, or high attachment point. The classes targeted are typically those underwritten in our Casualty and Specialty Casualty segments, including risks associated with construction, importers and distributors, product manufacturers, and OL&T/premises-related exposures.

Target Classes:

  • Apartment buildings
  • Cannabis cultivation and distribution
  • Carpentry
  • Concrete construction
  • Condominiums
  • Excavation
  • Firearms manufacturers and distributors
  • General contractors
  • Lessor’s risk
  • Metal erection
  • Oil and gas operations
  • Real estate development properties
  • Recreational facilities and resorts
  • Roofers
  • Security guards
  • Small-to-midsize auto fleets
  • Special events
  • Warehouses

Policy Structure:

  • $10,000,000 capacity
  • Follow-Form Excess Policy over Claims-Made and Occurrence forms

Underlying Requirements:

  • Automobile Liability – $1,000,000 CSL
  • Employers’ Liability – $100,000/$500,000/ $100,000
  • General Liability – $1,000,000/$2,000,000/$1,000,000
  • Liquor Liability – $1,000,000/$1,000,000

Minimum premium per layer: $750

Avoided Risks:

  • Life Sciences
    (capacity for Life Sciences risks can be found on our Life Sciences page)
  • Professional Liability
    (capacity for Professional Liability risks can be found on our Professional Liability page)

Submission Requirements:

  • ACORD Commercial Insurance application and Excess/Umbrella application, Commercial 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)
  • Auto fleet breakout by vehicle type, including radius of operations and commodities hauled
  • Five-year currently-valued company loss runs with a description provided for large losses (over $200,000)
  • Website information

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