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/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
  • Hotel, Motel, Resorts (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 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 5 or more)
  • Insured website information