LimitedVerified Q1 2026
Source: Carrier website and product data
Kinsale Capital: Accounting Firms Insurance Appetite
Kinsale Capital can write accounting firms accounts but this is not a focus segment – best used when the account has other lines already placed with Kinsale Capital or when primary markets have declined. E&O limits should match the largest engagement – a $500K audit opinion exposure needs at least $500K in E&O limits
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Professional Liability (E&O) |
Premium Range
$3,000-$18,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Small Business covers accounting firms operations with ISO Occurrence coverage form, $10M excess capacity available through Excess Casualty Division
- Kinsale Capital provides professional liability (E&O) with prior acts coverage for claims arising from past work
- Kinsale Capital provides subpoena and regulatory defense cost coverage for IRS and state board proceedings
- Online quoting available – agents can get accounting firms quotes without calling underwriting
Limitations
- Accounting Firms is not a target class for Kinsale Capital – expect longer underwriting timelines and less flexible eligibility
- No workers' compensation available – agents need a separate WC carrier for accounting firms employees
- Cyber liability not available – consider a standalone cyber market for accounting firms data exposure
Compare Other Carriers for Accounting Firms
Progressive CommercialPreferred
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TravelersPreferred
$2,300-$18,000
CNAPreferred
$2,300-$18,000
HiscoxPreferred
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NEXT InsurancePreferred
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The HartfordPreferred
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EMPLOYERSStandard
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AcuityStandard
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Erie InsurancePreferred
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biBERKPreferred
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AmTrust FinancialPreferred
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BTISStandard
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Pie InsuranceStandard
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NationwidePreferred
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Liberty MutualPreferred
$2,300-$18,000
ChubbPreferred
$2,800-$22,500
Cincinnati FinancialPreferred
$2,300-$18,000
The HanoverPreferred
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Auto-Owners InsurancePreferred
$2,000-$15,000
GUARD InsurancePreferred
$2,000-$15,000
MarkelStandard
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Coterie InsurancePreferred
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Selective InsurancePreferred
$2,300-$18,000
InsureonPreferred
$2,000-$15,000