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Kinsale Insurance Company

Professional Liability

Kinsale’s Professional Liability Division is a single destination for non-medical professional liability insurance across a broad appetite, from architects, engineers, and contractors to law firms, financial planners, insurance agents, real estate professionals, manufacturers, and media operations.

When it comes to speed, flexibility, and creative underwriting, brokers count on our Professional Liability team to get the job done. We target small to midsize accounts but welcome risks of all sizes and conditions, including those with prior losses, difficult venues, or unique operational characteristics. Our top classes include Architects & Engineers, Law, and Miscellaneous Professional. We also offer Contractors E&O insurance designed to close the gaps standard GL policies leave behind.

With up to $5M in primary capacity and excess options up to to $10M through our Excess Professional Division, our underwriters have the expertise and resources to deliver fast, effective solutions for nearly any account—clean or complex.

Submission Address:

Professional Liability Primary Icon
  • Accounting

    Kinsale’s Professional Liability Division writes small to midsize accounting firms and solo practitioners across a broad range of practice areas, from tax services, audit, and bookkeeping to business valuation, cannabis accounting, and interim CFO services.

    Policy Structure:

    • Up to $5M in primary capacity
    • $2,000 minimum premium
    • $0 minimum deductible
    • Automatic mini-extended reporting period
    • 36-month ERP capacity
    • Claims-made & reported
    • Predecessor firm coverage included
    • Awareness provision included
    • Up to $10M in excess available through our Excess Professional Division

    Available Coverage Enhancements:

    • Annual aggregate deductible
    • Complimentary Risk Management Hotline
    • Cyber endorsement available
    • Defense Outside the Limit coverage
    • Disciplinary proceedings expense reimbursement
    • Regulatory proceeding expense reimbursement
    • Subpoena response reimbursement
    • Third-Party Discrimination Liability
    • Trial expense reimbursement
    • First Dollar Defense coverage
    • Personal Injury coverage
    • Policy termination notice to third party
    • Privacy breach reimbursement
    • Punitive Damages coverage
    • Waiver of subrogation

    Submission Requirements:

    • New business application
    • Five-year currently valued loss runs
    • Copy of expiring policy
  • Architecture & Engineering

    Architects & Engineers is one of our Professional Liability Division’s top classes, with coverage available for architects, engineers, land surveyors, design/build firms, and more.

    High Risk Projects We Consider:

    • Bridges, dams, & tunnels
    • Harbors, piers, ports, & waterways
    • High-rise buildings
    • Hospitals & major health care facilities
    • Mining
    • Major highways & railways
    • Oil & gas
    • Petroleum & chemicals
    • Residential condos
    • Tract housing

    All 50 State Considered, Including:

    • California (to include Southern California)
    • Colorado
    • Florida (to include Southern Florida)
    • Georgia
    • New Jersey
    • New York
    • West Virginia

    Policy Structure:

    • Up to $5M in primary capacity
    • $2,000 minimum premium
    • $1,000 minimum deductible
    • Automatic mini-extended reporting period
    • 36-month ERP capacity
    • Claims-made & reported
    • Contingent Pollution coverage included
    • General Liability coverage available for select classes
    • Up to $10M in excess available through our Excess Professional Division

    Available Coverage Enhancements:

    • Annual aggregate deductible
    • Complimentary Risk Management Hotline
    • Cyber endorsement available
    • Defense Outside the Limit coverage
    • Disciplinary proceedings expense reimbursement
    • Regulatory proceeding expense reimbursement
    • Subpoena response reimbursement
    • Third-Party Discrimination Liability
    • Trial expense reimbursement
    • First Dollar Defense coverage
    • Personal Injury coverage
    • Policy termination notice to third party
    • Privacy Breach coverage
    • Punitive Damages coverage
    • Waiver of subrogation

    Submission Requirements:

    • New business application
    • Five-year currently valued loss runs
    • Copy of expiring policy
    • Licensing information
    • Website information or brochure/resume
  • Financial Planning

    Kinsale’s Professional Liability Division provides customized solutions for financial planners, investment advisors, and other finance-related professions with options for firms, as well as solo practitioners across a broad range of service models.

    Policy Structure:

    • Up to $5M in primary capacity
    • $2,000 minimum premium
    • $0 minimum deductible
    • Automatic mini-extended reporting period
    • 36-month ERP capacity
    • Claims-made & reported
    • Predecessor firm coverage included
    • Awareness provision included
    • Up to $10M in excess available through our Excess Professional Division

    Available Coverage Enhancements:

    • Annual aggregate deductible
    • Complimentary Risk Management Hotline
    • Cyber endorsement available
    • Defense Outside the Limit coverage
    • Disciplinary proceedings expense reimbursement
    • Regulatory proceeding expense reimbursement
    • Subpoena response reimbursement
    • Third-Party Discrimination Liability
    • Trial expense reimbursement
    • First Dollar Defense coverage
    • Personal Injury coverage
    • Policy termination notice to third party
    • Privacy Breach coverage
    • Punitive Damages coverage
    • Waiver of subrogation

    Submission Requirements:

    • New business application
    • Five-year currently valued loss runs
    • Copy of expiring policy
  • Insurance

    Kinsale’s Professional Liability team delivers creative coverage solutions for small to midsize insurance-related businesses, including retail/wholesale agents and brokers, MGAs/MGUs, and program administrators.

    High-Risk Lines We Consider:

    • Long haul or intermediate trucking
    • Crops & livestock
    • Wet/ocean marine
    • Aviation
    • Physicians & hospitals
    • PL and D&O

    All 50 States Considered, Including:

    • California (to include Southern California)
    • Colorado
    • Florida (to include Southern Florida)
    • Georgia
    • New Jersey
    • New York
    • West Virginia

    Policy Structure:

    • Up to $5M in primary capacity
    • $2,000 minimum premium
    • $1,000 minimum deductible
    • Automatic mini-extended reporting period
    • 36-month ERP capacity
    • Claims-made & reported
    • Up to $10M in excess available through our Excess Professional Division

    Available Coverage Enhancements:

    • Annual aggregate deductible
    • Complimentary Risk Management Hotline
    • Cyber endorsement available
    • Defense Outside the Limit coverage
    • Disciplinary proceedings expense reimbursement
    • Regulatory proceeding expense reimbursement
    • Subpoena response reimbursement
    • Third-Party Discrimination Liability
    • Trial expense reimbursement
    • First Dollar Defense coverage
    • Personal Injury coverage
    • Policy termination notice to third party
    • Privacy Breach coverage
    • Punitive Damages coverage
    • Waiver of subrogation

    Submission Requirements:

    • New business application
    • Five-year currently valued loss runs
    • Copy of expiring policy
    • Website information or brochure/resume
    • Annual financial statements
  • Law

    Kinsale’s Professional Liability Division provides flexible liability solutions for law firms and solo practitioners across a wide range of legal specialties, from commercial litigation, real estate, and family law to cannabis, cryptocurrency, mass tort, and more.

    Policy Structure:

    • Up to $5M in primary capacity
    • $2,000 minimum premium
    • $0 minimum deductible
    • Automatic mini-extended reporting period
    • 36-month ERP capacity
    • Claims-made & reported
    • Predecessor firm coverage included
    • Awareness provision included
    • Up to $10M in excess available through our Excess Professional Division

    Available Coverage Enhancements:

    • Annual aggregate deductible
    • Complimentary Risk Management Hotline
    • Cyber endorsement available
    • Defense Outside the Limit coverage
    • Disciplinary proceedings expense reimbursement
    • Regulatory proceeding expense reimbursement
    • Subpoena response reimbursement
    • Third-Party Discrimination Liability
    • Trial expense reimbursement
    • First Dollar Defense coverage
    • Personal Injury coverage
    • Policy termination notice to third party
    • Privacy Breach coverage
    • Punitive Damages coverage
    • Waiver of subrogation

    Submission Requirements:

    • New business application
    • Five-year currently valued loss runs
    • Copy of expiring policy
  • Manufacturing

    Kinsale’s Professional Liability Division writes Manufacturers E&O for small to midsize manufacturers and distributors of everything from food and drink, chemicals, and electrical equipment to aircraft parts, construction equipment, and more.

    Policy Structure:

    • Up to $5M in primary capacity
    • $2,000 minimum premium
    • $1,000 minimum deductible
    • Automatic mini-extended reporting period
    • 36-month ERP capacity
    • Claims-made & reported
    • Awareness provision included
    • Requires General Liability with either Kinsale or another carrier
    • Up to $10M in excess available through our Excess Professional Division

    Available Coverage Enhancements:

    • Annual aggregate deductible
    • Complimentary Risk Management Hotline
    • Cyber endorsement available
    • Defense Outside the Limit coverage
    • Disciplinary proceedings expense reimbursement
    • Regulatory proceeding expense reimbursement
    • Subpoena response reimbursement
    • Trial expense reimbursement
    • First Dollar Defense coverage
    • Personal Injury coverage
    • Policy termination notice to third party
    • Privacy Breach coverage
    • Punitive Damages coverage
    • Copyright & Trademark Infringement coverage
    • Product Installation coverage

    Submission Requirements:

    • New business application
    • Five-year currently valued loss runs
    • Copy of expiring policy
    • Website information or sales brochures
  • Media

    Our specialized Media coverage features a broad appetite with creative coverage solutions for individuals, new ventures, and corporations in broadcast, digital, print, visual media, and more.

    Products Offered:

    • Advertising Services E&O
    • Intellectual Property Liability
    • Internet Publishing Liability
    • Printing Services E&O
    • Production Liability
    • Premises General Liability

    All products listed above are available as standalone coverages or can be combined with other products for a modular policy

    Policy Structure:

    • Up to $3M in primary capacity
    • $1,500 minimum premium
    • $1,000 minimum deductible
    • 36-month ERP capacity for claims-made coverages

    Available Coverage Enhancements:

    • Cyber endorsement available
    • Defense Outside the Limit coverage
    • Regulatory proceeding expense reimbursement
    • Subpoena response expense reimbursement
    • First Dollar Defense coverage
    • Policy termination notice to third party
    • Waiver of subrogation
    • Additional insured as required by written contract
    • Extra Expense coverage for film and television production
    • Federal Communications Commission (FCC) Proceeding Defense coverage

    Submission Requirements:

    • New business application
    • Five-year currently valued loss runs
    • Copy of expiring policy
    • Website information or brochure/resume
  • Miscellaneous Professional

    Kinsale’s Professional Liability Division writes more than 100+ Miscellaneous Professional classes, offering custom solutions and fast turnaround for in fields like consulting, inspection services, training, cannabis, and many more. If your professional risk doesn’t fit in neatly in one of our other categories, chances are we can find a home for it here.

    Policy Structure:

    • Up to $5M in primary capacity
    • $750 minimum premium
    • $0 minimum deductible
    • Automatic mini-extended reporting period
    • 36-month ERP capacity
    • Claims-made & reported
    • Up to $10M in excess available through our Excess Professional Division

    Available Coverage Enhancements:

    • Annual aggregate deductible
    • Complimentary Risk Management Hotline
    • Cyber endorsement available
    • Defense Outside the Limit coverage
    • Disciplinary proceedings expense reimbursement
    • Regulatory proceeding expense reimbursement
    • Subpoena response reimbursement
    • Third-Party Discrimination Liability
    • Trial expense reimbursement
    • First Dollar Defense coverage
    • Personal Injury coverage
    • Policy termination notice to third party
    • Privacy Breach coverage
    • Punitive Damages coverage
    • Waiver of subrogation
    • Contingent Bodily Injury coverage
    • Contingent Property Damage coverage
    • FDCPA, FCRA, & TCPA Coverage

    Submission Requirements:

    • New business application
    • Five-year currently valued loss runs
    • Copy of expiring policy
    • Website information or brochure/resume
    • Annual financial statements
  • Real Estate

    Kinsale’s Professional Liability Division offers real estate-specific coverage solutions for real estate agents and brokers, escrow and title agents, appraisers, and many other real estate-related disciplines.

    Policy Structure:

    • Up to $5M in primary capacity
    • $2,000 minimum premium
    • $0 minimum deductible
    • Automatic mini-extended reporting period
    • 36-month ERP options
    • Claims-made & reported
    • Awareness provision included
    • Up to $10M in excess available through our Excess Professional Division

    Available Coverage Enhancements:

    • Annual aggregate deductible
    • Complimentary Risk Management Hotline
    • Cyber endorsement available
    • Defense Outside the Limit coverage
    • Disciplinary proceedings expense reimbursement
    • Regulatory proceeding expense reimbursement
    • Subpoena response reimbursement
    • Trial expense reimbursement
    • First Dollar Defense coverage
    • Personal Injury coverage
    • Policy termination notice to third party
    • Privacy Breach coverage
    • Punitive Damages coverage
    • Copyright & Trademark Infringement coverage
    • Product Installation coverage

    Submission Requirements:

    • New business application
    • Five-year currently valued loss runs
    • Copy of expiring policy

Professional Liability Applications



Marketing Brochures

Professional Liability
Professional Liability - Contractors E&O
Professional Liability - Media
Professional Liability Infographic
Professional Lines Appetite Guide

Contact

Territory Guide

Your Professional Liability territory is based on where your office is located.

Kinsale Professional Liability Territory Map
West Territory - Kathleen Baughan East Territory - Fletcher Rowe

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