Products Liability

Kinsale’s Products Liability Division provides Commercial General Liability and Products Liability coverages on an occurrence or claims-made coverage form. We can also write Business Personal Property/Business Income with Extra Expense in support of the Casualty. Our underwriting focus is on importers, distributors and manufacturers of consumer, commercial and industrial products. Kinsale can tailor coverage to your hard-to-place and distressed risks.

Target Classes:

Emphasis on most Consumer, Commercial and Industrial products including:

  • Cannabis dispensaries, distributors, growers and processors.  Includes plant oil processing and extraction equipment;
  • Consumer appliances and electronics;
  • Firearms and ammunition including handguns, rifles, military, law enforcement, replicas and imports;
  • Body armor and ballistic clothing;
  • Machinery and equipment manufacturing;
  • Food and beverage processors including alcoholic beverages;
  • Material Handling including conveyor systems;
  • Recreational and extreme sports sporting equipment;
  • Tobacco and E-Cigarette manufacturers and importers;
  • Toys, games, clothing.

(Note: Claims-made retro date continuity provided)

Other Opportunities:

  • Business Personal Property/Business Income with Extra Expense (Only written supported with our Casualty Line);
  • Discontinued Products.

Policy Structure:


  • $10,000,000 Capacity;
  • Commercial General Liability and Products Completed Operations Liability;
  • ISO Occurrence and Claims-made coverage forms (Retro date continuity provided);
  • Coverage tailored for unique exposures;
  • Split deductibles available;
  • Deductible will be $2,500 unless tailored to an individual risk;
  • Minimum Casualty premium $2,500.


  • Business Personal Property/Business Income with Extra Expense;
  • Special Cause of Loss Form (Earthquake and Flood Excluded);
  • Valuation offered on Replacement Cost;
  • Deductibles offered at $250 to $5,000 (We offer standard AOP Deductible and separate Theft and Vandalism Deductibles as warranted);
  • Minimum Property premium $500.

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.