Excess Casualty

The Kinsale Excess Casualty Division provides both supported and unsupported excess quotes at a lead, buffer, or high attachment point. The classes targeted are typically those underwritten in our Primary Casualty and Small Business Casualty Divisions. They include the classes associated with construction, importers and distributors, product manufacturers, and OL&T/premises-related exposures.

Target Classes:

  • Auto buffer and small auto fleets
  • Commercial and residential contractors
  • Contractors & farm equipment rental
  • Cosmetics & personal care products
  • Energy-related classes
  • Environmental-related classes
  • Farm/ranch operations
  • Forest products, including pulp, paper, lumber, and wood products
  • Habitational
    • Apartments
    • Condominiums
  • Heavy industrial
  • Machine shops
  • Recreational facilities and resorts
  • Special events
  • Sporting goods
  • Truck & trailer manufacturers

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:

  • 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