PreferredVerified Q1 2026
Source: Kinsale Capital Group – Healthcare Programs
Kinsale Capital Group: Healthcare / Medical Insurance Appetite
Kinsale is a pure E&S carrier – surplus lines license required. They are a critical market for healthcare providers that admitted malpractice carriers won't write: behavioral health facilities, substance abuse treatment centers, and providers with adverse claims history. When MEDPRO and CNA decline, Kinsale is often the next call.
Available Lines
| Line of Business |
|---|
| General Liability |
| Professional Liability |
| Commercial Property |
| Excess Casualty |
| Environmental Liability |
| Products Liability |
Premium Range
$3,000-$50,000
Typical annual premium
Target States
All 50 states (surplus lines basis)
Key Features
- Professional liability for healthcare providers that standard malpractice markets decline
- Covers behavioral health, substance abuse, home health, and allied health professionals
- Environmental liability for medical waste and facility pollution
- Excess casualty for healthcare operations needing higher limits
- Can write facilities with adverse claims history or unusual specialties
Limitations
- Surplus lines taxes and fees increase total cost
- Surplus lines license required for placing agent
- Large hospital systems are handled case-by-case