Kinsale’s Energy Division offers Primary Commercial General Liability for your middle market energy risks. Our underwriting focus is on Oil & Gas (onshore/offshore), Alternative Energy, Mining, and Power exposures. We can also customize coverage to your insured’s specialized needs.

Target Classes:

Oil & Gas (Onshore/Offshore):

  • Oil and gas service contractors, including over-the-hole contractors such as acidizers, cementing, drillers, fracking contractors, lease work, and well servicing
  • Manufacturers, dealers, and distributors, including products that go downhole or offshore
  • Transmission, distribution, and storage
  • Pipelines and pipeline terminals (ownership, operation, and contractors)
  • Refining and refinery contractors
  • Exploration and production
  • Lease operators and non-operators
  • Risks with up to 100% offshore exposure can be considered
  • Staffing and contract labor firms
  • Consultants, inspectors, site supervisors

Minimum Premium: $1,500

Alternative Energy:

  • Solar power contractors and manufacturers
  • Wind energy contractors and manufacturers
  • Biomass and biofuels
  • Hydroelectric

Minimum Premium: $1,500
(Hydroelectric Minimum Premium: $5,000)


  • Surface and underground mining for coal, minerals, and metals
  • Above-ground and underground contractors

Minimum Premium: $1,500


  • Power contractors
  • Electric co-ops

Minimum Premium: $1,500

Policy Structure:

  • $10,000,000 excess capacity available through Kinsale’s Excess Casualty Division
  • Commercial General Liability and Products/Completed Operations Liability
  • ISO Occurrence coverage form
  • Additional options, including Time Element Pollution coverage, offshore extensions, and broad AI wording
  • Environmental combined forms are available on most classes, with options for Contractors Pollution Liability, Transportation Pollution Liability, Non-Owned Disposal Sites, and Professional Services Liability in combination with General Liability
  • Deductible starts at $2,500 and will be tailored to the individual risk

Submission Requirements:

  • ACORD Commercial Insurance application and General Liability application with a complete description of operations (signed and dated by the insured when bound)
  • Supplemental application, where appropriate (signed and dated by the insured when bound)
  • Five-year currently-valued company loss runs with a description provided for losses over $25,000
  • Website information