Kinsale Capital Group Appetite Guide
Kinsale Capital Group appetite across 19 business classes. Available in all 50 states (surplus lines basis).
Kinsale is a pure E&S carrier — surplus lines license required. They are the go-to market for restaurants that standard carriers have declined due to liquor exposure, loss history, or venue type. Nightclubs, hookah lounges, and entertainment restaurants are within appetite. For standard restaurants, try admitted carriers first.
Preferred Appetite (4 classes)
preferredRestaurants
General Liability · Commercial Property · Professional Liability
preferredGeneral Contractors
General Liability · Commercial Property · Excess Casualty
preferredManufacturing
General Liability · Commercial Property · Products Liability
preferredHealthcare / Medical
General Liability · Professional Liability · Commercial Property
Standard Appetite (12 classes)
standardRetail Stores
General Liability · Commercial Property · Products Liability
standardProfessional Services
General Liability · Professional Liability (E&O) · Commercial Property
standardTechnology Companies
General Liability · Professional Liability (Tech E&O) · Commercial Property
standardTrucking
General Liability · Commercial Property · Excess Casualty
standardReal Estate
General Liability · Commercial Property · Professional Liability
standardWholesale Distribution
General Liability · Commercial Property · Products Liability
standardCleaning Services
Business Owners Policy (BOP) · General Liability · Commercial Property
standardLandscaping & Lawn Care
Business Owners Policy (BOP) · General Liability · Commercial Property
standardPlumbing Contractors
General Liability · Commercial Property · Commercial Auto
standardElectrical Contractors
General Liability · Commercial Property · Commercial Auto
standardAuto Repair Shops
General Liability · Commercial Property · Commercial Auto
standardBeauty Salons & Spas
Business Owners Policy (BOP) · General Liability · Commercial Property
Limited Appetite (3 classes)
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