Products Liability

Kinsale’s Products Liability Division provides Commercial General Liability and Products Liability coverages on an occurrence or claims-made coverage basis. Our underwriting focus is on importers, distributors, and manufacturers of consumer, commercial, and industrial products. Kinsale can tailor coverage to your hard-to-place and distressed risks.

Target Classes:

Manufacturers: Emphasis on most consumer, commercial and industrial products, including:

  • Cannabis dispensaries, distributors, growers, and processors; includes plant oil processing and extraction equipment
  • Consumer appliances and electronics
  • Firearms and ammunition, including handguns, rifles, military, law enforcement, replicas, and imports
  • Body armor and ballistic clothing
  • Food and beverage processors, including alcoholic beverages
  • Machine shops and machinery manufacturing
  • Motorcycles, scooters, and e-bikes
  • Recreational and sporting goods
  • Tobacco and e-cigarette manufacturers and importers
  • Toys, games, and clothing

(Note: Claims-made retroactive date continuity provided)

Policy Structure:

  • $10,000,000 excess capacity available through Kinsale’s Excess Casualty Division
  • Commercial General Liability and Products/Completed Operations Liability
  • ISO Occurrence and 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 Premium: $2,500
  • Select exposures eligible for minimum premium of $1,500

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