Professional Liability

Kinsale’s Professional Liability Division writes small-to-medium, hard-to-place or distressed, non-medical Professional Liability risks. Our leading classes are architects & engineers, lawyers, and miscellaneous professional. We target surplus lines risks that have been non-renewed, are in difficult legal venues, have poor loss history, have unique operational characteristics, or that are new in business. We can customize and manuscript coverage wording to fit your client’s needs.

Target Classes

Accountants: small-to-midsize firms, including solo practitioners:

  • Business valuation
  • Forensic accounting
  • Litigation support services
  • Private and public auditing
  • Projections & forecasts

Architects & Engineers:

  • Aerospace/aviation engineers
  • Construction management
  • Design/build
  • Geotechnical engineers
  • Process engineers
  • Structural engineers

Note: Professional Liability/General Liability policies are available. Contingent Pollution Coverage included, Risk Management Contract Review Hotline available

Financial Planners: small-to-midsize firms, including solo practitioners:

  • Alternative investment vehicles
  • Discretionary asset management
  • Life/health/annuities placements coverage included
  • Solicitors for third party money managers
  • Unregistered/unlicensed professionals

Insurance Agents: retail/wholesale agents and brokers, including MGAs/MGUs and program administrators

  • Aviation insurance
  • Crop insurance
  • Life/health/accident insurance
  • Long haul trucking insurance


Law Firms: small-to-midsize firms, including solo practitioners:

  • Class action/mass tort
  • Intellectual property, including patent law
  • International law
  • Mergers & acquisitions/corporate practices
  • Plaintiff litigation
  • Securities law

Note: Risk Management Contract Review Hotline available

Miscellaneous Professional:

  • Actuarial consultants
  • Cannabisrelated risks
  • Crane inspectors
  • Mergers & acquisitions consultants
  • OSHA compliance/safety consultants

Note: Contingent Bodily Injury/Property Damage available

Real Estate Related:

  • Appraisers
  • Business brokers
  • Mortgage brokers
  • Property managers
  • Residential and commercial sales and leasing

Note: Coverage available for owned properties


  • Available over all PL classes of business
  • $10,000,000 limit capacity (primary or excess)
  • Broader underwriting appetite, including clean/standard risks
  • Aggregate-only excess
  • Project- or client-specific excess
  • Top-heavy excess

Policy Structure

  • Claims-Made and Reported coverage form
    (Note: Prior acts coverage considered on most accounts with current coverage in place)
  • Customized coverage: based on the account, available endorsements include aggregate deductibles, contingent bodily injury and property damage, copyright and trademark infringement, defense outside the limits, libel & slander or full personal injury coverage, punitive damages, and extended reporting period options up to 36 months with the premium quoted upfront. We can also manuscript endorsements to tailor coverage to an account.

Submission Requirements

  • Kinsale Professional Liability application preferred but we will underwrite off of non-Kinsale applications if all necessary underwriting information is provided (signed and dated by the insured when bound)
  • Supplemental applications where appropriate (signed and dated by the insured when bound)
  • Five-year currently-valued company loss runs
  • Copy of expiring declarations page required upon binding (if quoted with prior acts)