Source: Carrier website and product data
Kinsale Capital: Law Firms Insurance Appetite
Kinsale Capital can write law 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. Practice area is the single biggest premium driver – personal injury and real estate closing firms pay significantly more than corporate/transactional practices
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Professional Liability (E&O) |
Premium Range
$4,400-$30,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Small Business covers law firms operations with ISO Occurrence coverage form, $10M excess capacity available through Excess Casualty Division
- Kinsale Capital provides legal malpractice insurance with broad prior acts coverage and consent-to-settle clause
- Kinsale Capital provides EPLI covering wrongful termination and discrimination claims from associates and staff
- Online quoting available – agents can get law firms quotes without calling underwriting
Limitations
- Law 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 law firms employees
- Cyber liability not available – consider a standalone cyber market for law firms data exposure
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