Source: Kinsale Capital Group — Construction Programs
Kinsale Capital Group: General Contractors Insurance Appetite
Kinsale is a pure E&S carrier — surplus lines license required. They are essential for contractors that admitted markets won't write: new ventures, high-hazard trades, adverse loss history, or specialty construction. Their construction team has deep expertise in hard-to-place risks. Always try admitted markets first for standard contractors.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Excess Casualty |
| Products Liability |
| Environmental Liability |
| Professional Liability |
Premium Range
$3,000-$75,000
Typical annual premium
Target States
All 50 states (surplus lines basis)
Key Features
- Broad contractor appetite including hard-to-place trades
- New venture contractors with limited experience accepted
- Environmental liability for contractors with pollution exposure
- Excess casualty limits up to $25M for larger projects
- Can write EIFS, stucco, roofing, and other restricted trades
Limitations
- Surplus lines taxes and fees add to total cost
- Surplus lines license required for placing agent
- Workers' comp must be placed separately — not available through Kinsale
Compare Other Carriers for General Contractors
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