Commercial Property

The Kinsale Commercial Property Division provides coverage for a wide variety of occupancies throughout the United States. We offer creative and practical solutions for your difficult-to-place Excess & Surplus lines properties. We can consider All Risk, DIC, and Single Peril policies with up to $10M in capacity.

Target Classes:

  • Cannabis-related industries, including growers, retail, processors, and more
  • Excess habitational – apartments, assisted living facilities, condominiums
  • Food/animal processing
  • Hotels and motels (typically excess only)
  • Laboratories
  • LRO commercial/industrial
  • Manufacturing/industrial
  • Municipalities and independent school districts
  • Professional/office buildings
  • Real estate schedules
  • Retail/shopping centers
  • Vacant buildings
  • Warehousing/wholesale
  • Wood products manufacturing

Many more classes considered

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

Capacity:

$10M 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 twenty locations and TIVs of $5M or less.

Primary: We target small-to-midsize risks for a variety of occupancies. The majority of our primary business has between one and twenty locations up to $35M in Total Insured Value.

Excess: We can write in or out of the PML, Buffer, and quota shared layers. Our appetite is for medium and larger risks up to $1B in Total Insured Value, 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

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