Source: Kinsale Capital Group — Casualty Programs
Kinsale Capital Group: Restaurants Insurance Appetite
Kinsale is a pure E&S carrier — surplus lines license required. They are the go-to market for restaurants that standard carriers have declined due to liquor exposure, loss history, or venue type. Nightclubs, hookah lounges, and entertainment restaurants are within appetite. For standard restaurants, try admitted carriers first.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Professional Liability |
| Excess Casualty |
| Products Liability |
| Environmental Liability |
Premium Range
$3,000-$25,000
Typical annual premium
Target States
All 50 states (surplus lines basis)
Key Features
- Writes restaurants that standard carriers decline — nightclubs, hookah bars, high liquor exposure
- Liquor liability included or available as endorsement
- Property coverage for restaurants in challenged locations or with adverse loss history
- Excess casualty for restaurant groups needing higher limits
- Fast turnaround from dedicated small business E&S team
Limitations
- Surplus lines taxes and fees increase total cost to insured
- Surplus lines license required for placing agent
- May not be cost-competitive for clean, standard restaurant risks
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