General Casualty

Kinsale’s General Casualty Division offers Commercial General Liability and Products/Completed Operations Liability on OL&T/premises-related exposures for over 200 eligible classes. We can tailor innovative solutions for your hard-to place-risks.

Target Classes:

  • Apartments
  • Assisted living facilities (LRO)
  • Bars, nightclubs, and gentlemen’s clubs
  • Boarding houses
  • Churches
  • Condominium associations
  • Daycares and schools
  • Developers
  • Dwellings
  • Flea markets
  • Freight forwarders
  • Gas stations
  • Grocery stores and supermarkets
  • Homeless shelters (LRO)
  • Homeowners associations
  • Hostels
  • Hotels and motels (will consider long-term single room occupancy and low occupancy)
  • Lessor’s risk
  • Liquor Liability (available in most states; supported)
  • Mobile home parks
  • Property managers
  • Quarries
  • Real estate land developers
  • Restaurants
  • Retail stores
  • Security guards and detective agencies
  • Senior housing
  • Shopping centers
  • Student housing (non-Greek)
  • Townhouse associations

Minimum Premium: $7,500

Policy Structure:

  • $10,000,000 excess capacity available through Kinsale’s Excess Casualty Division
  • Commercial General Liability
  • ISO Occurrence and Claims-Made coverage forms
  • ISO Liquor Liability coverage
  • Customized coverage
  • Per location aggregate endorsement
  • Hired and non-owned auto (supported)
  • Blanket additional insured
  • Employee Benefits Liability
  • Stop Gap Liability

Submission Requirements:

  • ACORD Commercial Insurance application and General Liability application with a complete description of operations
  • Supplemental application, where appropriate
  • Five-year currently-valued company loss runs with a description provided for losses over $25,000
  • SOV in Excel format (for locations of five or more)
  • Insured website information