Small Business

The Kinsale Small Business Division concentrates on smaller risks with an emphasis on contractors and OL&T/premises-related exposures. We offer our brokers an alternative to their traditional binding authority markets by providing rapid turnaround time and a broader risk appetite than those markets. Submissions are generally reviewed and quoted within four hours.

We define a small risk as having revenue under $2,500,000, apartments less than 200 units, area under 100,000 square feet, buildings less than 200,000 square feet, and vacant land less than 1,500 acres. A business that does not fit our Small Business Casualty definition is sent the same day to the appropriate Kinsale underwriting division.

Target Classes:

Contractors (General Contractors and Artisan Trade Contractors):

  • Primary classes written: carpentry, concrete, demolition, drywall, electricians, excavation/grading of land, HVAC, metal erection, painting, plastering/EIFS/stucco, and swimming pool installation; many other classes also considered
  • Premium Range: $2,000 to $15,000

Premises Operations (OL&T):

  • Nearly 200 classes eligible
  • Primary classes written: apartments, clubs, condo owners associations, consultants, facilities/events, habitational, hotels/motels, LRO, mobile home parks, office premises, parking, real estate development property, restaurants, shopping centers, and vacant buildings and land
  • Minimum Premium: $1,800

Policy Structure:

  • $10,000,000 excess capacity available through Kinsale’s Excess Casualty Division
  • Commercial General Liability
  • Owners Contractors Protective Liability
  • ISO Occurrence coverage form
  • Deductible: $0 to $5,000

Submission Requirements:

  • ACORD Commercial Liability Insurance application and General Liability application
  • Supplemental application, where appropriate
  • Five-year currently-valued company loss runs (hard copy)
  • Website information