Source: Kinsale Capital Group — Property Programs
Kinsale Capital Group: Real Estate Insurance Appetite
Kinsale is a pure E&S carrier — surplus lines license required. They fill the gap for real estate risks that admitted carriers avoid: properties with environmental issues, high-crime locations, vacant buildings, and habitational with adverse loss history. For standard real estate offices, use admitted carriers first and turn to Kinsale when declined.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Professional Liability |
| Excess Casualty |
| Environmental Liability |
Premium Range
$3,000-$40,000
Typical annual premium
Target States
All 50 states (surplus lines basis)
Key Features
- GL and property for habitational risks that admitted markets decline
- Environmental coverage for properties with known contamination
- Excess casualty for large property portfolios needing higher limits
- Can write vacant buildings, buildings under renovation, and distressed properties
- Professional liability for property managers with claims history
Limitations
- Surplus lines taxes and fees increase total cost
- Surplus lines license required for placing agent
- Not cost-competitive for clean, standard real estate risks
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