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/Independent School Districts
  • Professional/office buildings
  • Real estate schedules
  • Retail/shopping centers
  • Vacant buildings
  • Warehousing/wholesale
  • Wood Products manufacturing
  • And many others

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.

Capacity:

$10M in total capacity

Ground-up: 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 and TIVs $5M or less.

Primary: We target small-to-medium size 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 can consider larger TIVs on a case by case basis.

Catastrophe Appetite:

Wind: All Risks, DIC, 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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