Commercial Property

The Kinsale 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 property. We can consider All Risk, DIC, Single Peril, Deductible buy-backs and Equipment Breakdown coverages on a ground-up, primary or excess basis.

Target Classes:

  • Entertainment;
  • Excess Habitational – Apartments, Assisted Living Facilities, Condos;
  • Food & Drug Manufacturing;
  • Hotels & Motels;
  • LRO Commercial/Industrial;
  • Manufacturing (Light to Moderate Hazard);
  • Marijuana Industry;
  • Municipalities/Government Buildings;
  • Personal Repair Services;
  • Professional/Office Buildings;
  • Real Estate Schedules;
  • Vacant Buildings;
  • Warehousing/Wholesale.


Excluded Classes:

  • Agriculture Growing Crops, Timber;
  • Foundries;
  • Manufactured Housing;
  • Oil & Gas, Ocean Marine, Paper Mills, Petrochemical;
  • Plastics Manufacturing;
  • Radio, Television, Cell Towers;
  • Recycling;
  • Risk Purchasing Groups;
  • Rolling Stock;
  • Tire Rethreading.


Submission Requirements:

  • Broker Specifications (Word Format);
    • Eff. 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.


Ground-up:  Capacity to $15,000,000.  We target small-to-medium size risks for a variety of occupancies.  The majority of our ground-up business has between one and twenty locations. Primary:  Capacity to $10,000,000 including all catastrophe perils.  Our appetite is for medium and larger risks up to $1B in Total Insured Value. Excess:  Capacity up to $10,000,000 on regional and national accounts.  We can write in or out of the PML, Buffer and Capacity layers.  

 Catastrophe Appetite:

Wind:  All Risks, DIC, Single peril capacity available in all catastrophe areas.  We avoid Frame/Joisted Masonry 0-3 miles to coastal water. Flood: DIC, Single peril or include with All Risks perils.  Prefer Excess in and out of PML and smaller schedules.  No primary stand-alone coastal flood or major state river exposures. Earthquake:  DIC, Single peril or include with All Risks perils.  Capacity available in all zones PNW, New Madrid, and Oklahoma.  We avoid unreinforced masonry, tuck under or soft story and soil.