Source: Kinsale Capital Group — Distribution Programs
Kinsale Capital Group: Wholesale Distribution Insurance Appetite
Kinsale is a pure E&S carrier — surplus lines license required. They serve distributors that standard markets won't write: those with significant products liability from imports, hazardous materials distribution, or adverse loss history. For standard wholesale distributors, try Guard, Selective, or Travelers first.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Products Liability |
| Excess Casualty |
| Environmental Liability |
Premium Range
$3,000-$50,000
Typical annual premium
Target States
All 50 states (surplus lines basis)
Key Features
- Products liability for distributors of imported and private-label goods
- Property coverage for large warehouses in challenged locations
- Environmental liability for distributors of chemicals and hazardous materials
- Excess casualty for distributors needing limits above admitted programs
- Can write distributors with adverse loss history or complex supply chains
Limitations
- Surplus lines taxes and fees increase total cost
- Surplus lines license required for placing agent
- Not cost-effective for standard, clean wholesale operations
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