Kinsale’s Excess Professional Division offers excess coverage over an array of insurance products in four different professional areas. We target hard-to-place risks, including those that have poor loss history, gaps in coverage, or unique operational characteristics. Our policies offer follow-form coverage unless otherwise noted and have the flexibility to customize coverage to fit a risk’s specific need.
Allied Health
Target Classes:
- All things medical or miscellaneous facility-related
- Foster/adoption agencies
- Medical transport
- Group homes
- Home health
- Long-term care facilities
- Skilled & intermediate care
- Assisted & intermediate care
- Outpatient medical facilities (labs, clinics, surgical, rehab, etc.)
- Social service agencies
- Staffing agencies
Health Care
Target Classes:
- Non-standard chiropractors & podiatrists
- Non-standard dentists (all specialties)
- Non-standard mid-level providers
- Non-standard physicians & surgeons (all specialties)
- Group practitioners (all specialties)
- Locum Tenens/medical staffing
- Stand-alone medical directors
Management Liability
Target Classes:
- Directors & Officers Liability (D&O)
- Biotechnology
- Cannabis operations
- Country clubs
- Film & television sets
- Healthcare
- Homeowners or condo owners associations
- Media production companies
- Non-profit organizations
- Places of worship
- Employment Practices Liability (EPL)
- Assisted living facilities
- Auto dealers
- Dance clubs
- Home healthcare providers
- Law firms
- Non-profit organizations
- Restaurants
- Fiduciary Liability (FID)
- Both for- & non-profit risks
- Includes named organization, subsidiaries, sponsored plan, & other insured persons
Professional Liability
Target Classes:
- Accountants
- Architects & engineers
- Financial planners
- Insurance agents
- Law firms
- Miscellaneous professional
- Real estate
