General Casualty

Kinsale’s General Casualty Division offers Commercial General Liability and Products Completed Operations Liability on OL&T/Premises-related exposures for over 200 eligible classes. We can tailor innovative solutions for your hard-to place-risks.

Target Classes:

  • Amusement and Arcade Facilities and Events;
  • Churches;
  • Condo and Homeowners Associations;
  • Flea Markets;
  • Firearm Stores;
  • Fuel Haulers;
  • Gas Stations;
  • Grocery Stores and Supermarkets;
  • Habitational;
  • Hotel, Motel, Resorts. Will consider Long-Term Single Room Occupancy;
  • Lessor’s Risk;
  • Liquor Liability; Available in most states (supported);
  • Movie Theaters;
  • Property Managers;
  • Quarries;
  • Restaurants;
  • Retail Stores;
  • Schools;
  • Security Guards and Detective Agencies;
  • Shopping Centers;
  • Special Events;
  • Vacant Land and Buildings;
  • Warehouses.

Minimum Premium: $7,500.

Policy Structure:

  • 10,000,000 Excess Capacity available through Kinsale Excess Casualty Division;
  • Commercial General Liability;
  • ISO Occurrence and Claims-made coverage forms;
  • ISO Liquor Liability Coverage;
  • Customized Coverage;
  • Per Location aggregate endorsement;
  • Hired and Non-Owned Auto (supported);
  • Garagekeeper’s Legal (supported);
  • Deductible typically $5,000 unless tailored to an individual risk.

Submission Requirements:

  • ACORD Commercial Insurance Application and General Liability Application with a complete Description of Operations;
  • Supplemental Application, where appropriate;
  • Five Year currently valued company loss runs with a description provided for losses over $25,000.
  • Insured website information.