Excess Casualty

The Kinsale Excess Casualty Division provides lead excess and buffer layer business on both a supported and unsupported basis. The classes targeted are typically those underwritten in our Primary Casualty and Small Business Casualty Divisions. They include the classes associated with construction, importers and distributors, product manufacturers and OL&T/premises-related exposures.

Target Classes:

  • Auto buffer and small auto fleets;
  • Commercial and Residential Contractors;
  • Contractors & Farm Equipment Rental;
  • Cosmetics & Personal Care Products;
  • Farm/Ranch Operations;
  • Forest Products, including pulp, paper, lumber, wood products;
  • Habitational;
    • Apartments;
    • Condominiums;
  • Heavy Industrial;
  • Machine Shops;
  • Recreational Facilities and Resorts;
  • Special Events;
  • Sporting Goods;
  • Truck & Trailer Manufacturers.

Policy Structure:

  • $10,000,000 Capacity;
  • Follow Form Excess Policy over Claims-made and Occurrence forms.

Underlying Requirements:

  • Automobile Liability – $1,000,000 CSL;
  • Employers’ Liability – $100,000/$500,000/ $100,000;
  • General Liability – $1,000,000/$2,000,000/$1,000,000;
  • Liquor Liability – $1,000,000/$1,000,000;

Minimum premium per layer is $750.

Avoided Risks:

  • Energy related;
  • Environmental;
  • Large Auto Fleets and Extra-Heavy Trucks/Tractors;
  • Life Sciences;
  • Mining;
  • Professional Liability.

Submission Requirements:

  • ACORD Commercial Insurance Application and Excess/Umbrella Application, Commercial General Liability application with a complete Description of Operations (Signature of the Insured/dated when bound);
  • Supplemental Application, where appropriate (Signed and dated by the Insured when bound);
  • Auto Fleet breakout by vehicle type, including radius of operations and commodities hauled;
  • Five Year currently valued, company loss runs with a description provided for large losses (over $200,000);
  • Website Information.