Source: Kinsale Capital Group — Technology Programs
Kinsale Capital Group: Technology Companies Insurance Appetite
Kinsale is a pure E&S carrier — surplus lines license required. They serve as the safety net for tech companies that admitted Tech E&O markets won't write — startups with novel products, companies with adverse claims, or firms with exposures that exceed standard program limits. Try admitted markets like Coalition or Hiscox first.
Available Lines
| Line of Business |
|---|
| General Liability |
| Professional Liability (Tech E&O) |
| Commercial Property |
| Excess Casualty |
| Products Liability |
Premium Range
$2,500-$30,000
Typical annual premium
Target States
All 50 states (surplus lines basis)
Key Features
- Tech E&O for companies that admitted markets decline
- Products liability for hardware and IoT device manufacturers
- GL for tech companies in non-standard operations or locations
- Excess casualty for tech firms needing limits above admitted programs
- Can write emerging technology and novel business models
Limitations
- Surplus lines taxes and fees increase total cost
- Surplus lines license required for placing agent
- Standalone cyber may need separate placement for best terms
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