Products Liability

Products General Liability + Business Personal Property

Kinsale’s Products Liability Division combines Products General Liability (GL) and Business Personal Property (BPP) coverage to create a timesaving, one-stop solution. Our package quotes include customizable Products GL and BPP with up to $500k in Total Insured Value (TIV). Target classes for package quotes include importers, distributors, and manufacturers of consumer, commercial, and industrial products.

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Product Recall

Kinsale’s Products Liability Division provides Product Recall Expense and Recall Liability coverage for small to midsize manufacturers, importers, and distributors across a wide range of consumer goods and consumable products. From standard manufacturing to emerging trends, our coverages are tailored to the unique needs of Agribusiness, General Products, and Life Sciences risks with $100,000 to $500M in revenue.

Backed by fast quotes, creative underwriting, and best-in-class service, Product Recall is a natural complement to Products Liability. Policies can cover first-party recall expenses, including replacement costs and brand protection, as well as third-party recall liability for damage or financial loss to customers, retailers, or OEMs.

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Policy Structure:

• $10M excess capacity available through Kinsale’s Excess Casualty Division
• Commercial General Liability & Products/Completed Operations Liability
• ISO Occurrence & Claims-Made coverage forms (retroactive date continuity provided)
• Coverage tailored for unique exposures
• Split deductibles available
• Deductible will be $2,500 unless tailored to an individual risk

Minimum Premiums:

• $2,500
• $1,500 for select exposures

Submission Requirements:

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