Source: Kinsale Capital Group — Professional Liability
Kinsale Capital Group: Professional Services Insurance Appetite
Kinsale is a pure E&S carrier — surplus lines license required. Use Kinsale for professional services firms that admitted carriers have declined — firms with claims history, niche professions without standard E&O programs, or large contract value exposures that exceed admitted program limits. For clean risks, try Hartford or Hiscox first.
Available Lines
| Line of Business |
|---|
| General Liability |
| Professional Liability (E&O) |
| Commercial Property |
| Excess Casualty |
| Environmental Liability |
Premium Range
$2,000-$20,000
Typical annual premium
Target States
All 50 states (surplus lines basis)
Key Features
- E&O for niche professions that admitted markets exclude
- GL and property for professional offices in non-standard locations
- Excess casualty over professional liability for higher limits
- Environmental consulting E&O available
- Can write firms with adverse claims history on E&O
Limitations
- Surplus lines taxes and fees add to total cost
- Surplus lines license required for placing agent
- Standard professional firms are better placed in admitted market
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