Source: Kinsale Capital Group — Small Business Programs
Kinsale Capital Group: Retail Stores Insurance Appetite
Kinsale is a pure E&S carrier — surplus lines license required. They handle retail risks that don't fit admitted BOP programs: controversial product types, challenged locations, adverse loss history, or high-value inventory. For standard retail, use Guard, Progressive, or Hartford first and turn to Kinsale when declined.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Products Liability |
| Excess Casualty |
| Professional Liability |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
All 50 states (surplus lines basis)
Key Features
- Writes non-standard retail that admitted carriers exclude — vape shops, head shops, gun stores
- Products liability for retailers with import or private-label exposure
- Property coverage for retail in high-crime or challenged locations
- Excess casualty for retail chains needing higher limits
- Fast E&S quoting for hard-to-place retail risks
Limitations
- Surplus lines taxes and fees increase total cost
- Surplus lines license required for placing agent
- Not competitive for standard, low-hazard retail stores
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