Excess Professional

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

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