Kinsale Insurance Company

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 $2.5 million, 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.

Submission Address:

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

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
  • Landlords and property managers with cannabis growers or dispensaries may require coverage for their cannabis exposures

Small Business Applications

Marketing Brochures

Small Business
Small Business Infographic
Casualty Appetite Guide


Territory Guide

For Small Business Contractors business, your territory is based on where your office is located.
Premises/OL&T risks are handles by our Small Business Premises/OL&T team, regardless of where you are located.

Small Business Contractors West Territory - Joe Farrell Small Business Contractors Central Territory - Natalie Lawson Small Business Contractors East Territory - Carley Wessler Small Business - Premises/OL&T Product - Allison Unowitz

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