Products Liability

Kinsale’s Products Liability Division provides Commercial General Liability and Products Liability coverages on an occurrence or claims-made coverage form. 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:

Manufacturers: 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)

Policy Structure:


  • 10,000,000 Excess Capacity available through Kinsale Excess Casualty Division;
  • 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.

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.