Commercial Property

Capacity:

$12.5M in total capacity

Ground-up: We target small to midsize risks for a variety of occupancies. The majority of our ground-up business has between one and 20 locations and up to $12.5M in TIV.

Primary: We target small to midsize risks for a variety of occupancies. The majority of our primary business has between one and 20 locations with up to $35M in TIV.

Primary Quota Share: We can provide lead or follow-form primary quota share options for accounts with schedules up to $250M in TIV.

Excess: We can write in or out of the PML, Buffer, and quota shared layers. Our appetite is for medium and larger risks with up to $5B in TIV, but we can consider larger TIVs on a case-by-case basis.

Catastrophe Appetite:

Wind: All Risks, DIC, or Single Peril capacity available in all catastrophe areas

Flood: DIC, Single Peril, or include with All Risks perils

Earthquake: DIC, Single Peril, or include with All Risks perils; capacity available in all zones

Wildfire: All Risks or Single Peril capacity available in all catastrophe areas

Submission Requirements:

• Broker Specifications (Word format):
  • Effective date
  • Description of occupancy(s), protection
  • Requested coverage & perils
  • Suggested layering, if applicable
• Statement of Values (Excel format)
• Five-year loss summary, with a description provided for large losses over $25,000

• What is Commercial Property insurance?

  Commercial Property insurance protects buildings, personal property, and business income from losses due to things like fire, wind, theft, or vandalism. It’s designed for properties that are used for business/commercial purposes.

  Primary policies offer the first level of coverage, while excess coverages can be used to provide additional limits.

  Excess coverage kicks in when a loss exceeds the primary policy’s limit, ensuring large or catastrophic losses are fully covered. Businesses or building owners often purchase Excess Property insurance when their total replacement cost or risk exposure exceeds what standard carriers can offer.

• What types of Commercial Property insurance does Kinsale offer?

  Our Commercial Property Division writes coverage for Buildings (real property), Business Personal Property (contents), and Business Income (BI) & Extra Expense. 

  We can provide primary and ground-up coverages, lead or follow-form primary quota share options, and excess coverages. We offer up to $12.5M in primary limits, with flexible lead or follow-form primary quota share options for accounts with schedules up to $250M in Total Insured Value (TIV). We also have excess options in or out of the PML, Buffer, and quota shared layers medium and larger risks with up to $5B in TIV.

  For smaller accounts, our Small Property team will consider risks up to $5M in TIV, and offers deductibles starting at $500.

• What types of losses are covered by a Commercial Property policy?

  Kinsale’s offers Commercial Property policies that cover direct physical loss caused by a range of perils, including lightning, windstorms, explosions, and more. We can also add in coverages for earthquakes, floods, theft, collapse, equipment breakdown, ordinance and law, etc.

• What occupancies does Kinsale's Commercial Property Division consider?

  We consider a wide range of occupancies, ranging from hotels, apartments, and retail to manufacturing plants, warehouses, and professional offices. View our Commercial Property target classes or reach out to your dedicated Territory Manager to learn more.

• How much capacity does the Commercial Property Division offer?

  Our Commercial Property capacity, or the highest amount of coverage we will provide on an account, is a maximum of $12.5M. This total can be deployed on a primary or excess basis and can be stacked or ventilated when offered as excess.

• Does Kinsale's Commercial Property Division purchase Facultative Reinsurance to offer more than $12.5M in capacity?

  No, we keep all capacity in house and adhere to our $12.5M capacity limit.

• What TIV limits will the Commercial Property team consider?

  Total Insured Value, or TIV, is the combined value of all property a business needs coverage for, including buildings, contents, business income, and any other scheduled assets. Kinsale can consider accounts with a TIV up to $5B; however, depending on the attachment point, we will consider larger accounts on a case-by-case basis.

  Typical TIV limits look like this:

  Ground-up: Small to midsize risks; 1-20 locations; up to $12.5M TIV
  Primary: Small to midsize risks; 1-20 locations; up to $35M TIV
  Primary Quota Share: Schedules up to $250M TIV
  Excess: Medium and larger risks with up to $5B in TIV; larger TIV considered case by case

• How does a Kinsale Commercial Property underwriter determine coverage premiums?

  Each of our Commercial Property submissions are underwritten on an account-by-account basis. Our underwriters use a variety of factors including, location, building age, construction type, and occupancy-type along with loss history to calculate the premium for each individual submission.

• Do Kinsale's Commercial Property policies have minimum premiums, attachment points, or TIVs?

  No, we do not have a minimum premium, nor do require a minimum attachment point when considering excess or a minimum TIV. Our top goal is to find ways to quote the business that is submitted to us. The Commercial Property team prides itself on being able to provide solutions for even the hardest to place risks.

• What does Kinsale require in order to receive a Commercial Property quote?

  We require a Commercial Property supplements application(s), a full five-year loss history, and a Statement of Values in Excel format that includes addresses, occupancy details, construction type, year built, and the values associated with each address on the schedule.

  If you are appointed with Kinsale, you can submit the above information to cp@kinsaleins.com, and one of our Commercial Property underwriters will have a quote back to you—usually within 24 hours or less!

• Can Kinsale write Excess Commercial Property coverage over state-backed insurance programs?

  Yes, our Commercial Property team writes excess over state-backed insurance programs like Citizens, NJCUA, TWIA, California Fair-Plan, etc. However, there are some specific nuances on how Kinsale’s quotes are structured in order to write over these programs. If you are requesting a quote for excess over one of these programs, your assigned underwriter will be able to provide details.

• Can Kinsale insure properties located outside the U.S.?

  No, our Commercial Property team will only consider coverage for buildings located in the 50 states.

• Does the Commercial Property Division offer DIC coverage?

  Difference in Conditions (DIC) coverage is a specialized property form designed to fill gaps left by standard policies, typically addressing catastrophic perils such as earthquake (EQ), flood (FL), and sometimes landslide or collapse. It’s often used when a primary property policy excludes these perils or provides insufficient limits.

  Kinsale can offer DIC EQ or DIC FL coverage, but we do not offer DIC-only coverage currently.

• My initial quote isn't quite where it needs to be. How can I request a revised quote?

  At Kinsale, the first quote is just the start. Our goal is to make sure your accounts get the coverages they need—and because our underwriters are experienced, creative thinkers, we tend to get it right quickly. But if you ever need to negotiate terms and price, let us know. We’ll work with you.

• I’d like to get an appointment to write business with Kinsale. How do I do that?

  If you are a wholesale broker with a surplus license interested in an appointment, the process is simple! The first step is to complete our online Producer Questionnaire.  Once you’ve completed the form and attached the necessary documents, you will be able to provide an e-signature, click “Continue,” and the form will be sent to us automatically.

  Be sure to have the following available to either upload online or email as an attachment: your entity/individual producer license(s) for all states, a copy of your latest financial statement, a Fidelity Declarations plan, and a E&O Declarations page.

• There is a lot of information on the website! Is there a point of contact I can reach to further discuss my Commercial Property accounts?

  Yes! Our Commercial Property team offers dedicated territories based on your office location. If you know your territory, you can contact your Territory Manager below. If you aren’t sure which territory is right for you, please visit our online Territory Guide.

  Will Carter
  Territory Manager, Commercial Property Central
  (804) 593-3014
  will.carter@kinsaleins.com

  Brandon Abell
  Territory Manager, Commercial Property Southeast
  (804) 289-1298
  brandon.abell@kinsaleins.com

  Rachel McCann
  Territory Manager, Commercial Property Mid-Atlantic
  (804) 774-2109
  rachel.mccann@kinsaleins.com

  Romina Baran
  Territory Manager, Commercial Property West
  (804) 298-3305
  romina.baran@kinsaleins.com

  Joe Skaja
  Territory Manager, Commercial Property Northeast
  (804) 887-3622
  joe.skaja@kinsaleins.com

  Kevin Hood
  Territory Manager, Commercial Property Primary & Ground Up West
  (804) 923-1915
  will.groth@kinsaleins.com

  Nick Such
  Territory Manager, Commercial Property Primary & Ground Up East
  (804) 887-3557
  nick.such@kinsaleins.com

  Or, if you’re already appointed with Kinsale and would like to request a quote, you can email your submission to cp@kinsaleins.com and one of our underwriters will be in touch!