Small Business
Market Details: The Kinsale Small Business Division concentrates on smaller risks with an emphasis on contractors and OL&T/premises-related exposures, offering brokers an alternative to traditional binding authority markets.
Small risk is defined as having revenue under $2.5 million, apartments less than 200 units, area under 100,000 square feet, buildings less than 200,000 square feet, and vacant land less than 1,500 acres. A business that does not fit the small business casualty definition is sent the same day to the appropriate Kinsale underwriting division.
Target Classes include contractors (general contractors & artisan trade contractors). Primary classes written include appliance installation, carpentry, concrete, demolition, drywall, electricians, excavation/grading of land, HVAC, metal erection, painting, plastering/EIFS/stucco, roofers, swimming pool installation. Many other classes considered.
Premises Operations (OL&T) includes nearly 200 classes eligible. Primary classes written: apartments, condo owners associations, consultants, habitational, hotel/motel, LRO, mobile home parks, office premises, parking, real estate development property, shopping centers, vacant buildings and land.
Landlords & property managers with cannabis growers or dispensaries may require coverage for their cannabis exposures. Products are distributed through select surplus lines brokers.
Available Limits: Not disclosed.
Carrier: Not disclosed.
States: All states and the District of Columbia.
Contact: Small Business Division, sb@kinsaleins.com, 804-289-1300
Project Completion Insurance (PCI)
Market Details: SureBuild offers Project Completion Insurance (PCI), a modern alternative to surety bonds for construction lending. Unlike bonds, PCI makes the lender the policy beneficiary and steps in if a borrower defaults, covering cost overruns and helping ensure the project is completed. With limits up to 100% of contract value and pricing as low as 40-60 basis points, SureBuild pairs its insurance with due diligence, monitoring, and funds control. Saint Vincent LLC is the managing general agent for SureBuild. SureBuild is written on AM Best rated A (Excellent) XV, Lloyd’s of London paper.
Available Limits: Not disclosed.
Carrier: AM Best rated A (Excellent)
States: All states and the District of Columbia.
Contact: Chelsy White, cwhite@saintvincentagency.com, 424-426-2061
Non-Emergency Medical Transportation (NEMT)
Market Details: Coverage offered by LEEO Insurance includes non-emergency, scheduled ambulatory passenger transportation; wheelchair passenger transportation; stretcher operations (up to 20% of trip volume; underwriting approval required); assisted living, rehabilitation, and adult daycare transportation; facility-based transportation in eligible states; home healthcare nurses (no passenger transport); and adult Day Cares.
NEMT declines EMS, EMT, 911, or emergency response operations; vehicles equipped with lights or sirens; hospital-owned or hospital-operated fleets; mobile medical units where care is provided in the vehicle; vehicles with a seating capacity over 15 passengers; mixed-use fleets with non-NEMT livery or general passenger transportation exposure; and on-demand transportation exposure greater than 20%.
Available Limits: $50,000 minimum premium; $500,000 maximum premium
Carrier: Not disclosed.
States: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Iowa, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Texas, Vermont, Virginia, West Virginia, Wisconsin and Wyoming.
Contact: Brett Arnold, brett@leeoinsurance.com
Insurance Agent E&O
Market Details: Texas Insurance Professionals Services (TIPS) provides errors & omissions (E&O), umbrella, and cyber coverage exclusively for independent insurance agents in Texas. Exclusive Utica National access. Through access to admitted markets, including exclusive availability with Utica National, specialists help agencies secure competitive professional liability and E&O protection designed specifically for insurance professionals.
Program highlights include third-party cyber liability, employee-related liability, catastrophe coverage and flexible E&O program options.
Available Limits: Not disclosed.
Carrier: Admitted
States: Texas
Contact: Victoria Reece, vicki@errorsomissionstx.com, 866-577-7428
Non-Standard Auto
Market Details: Just Insure partners with agents seeking competitive, flexible auto solutions for non-standard drivers.
Offering fair, pay-per-mile and priced-per-day rates that help customers save by charging for usage without over-weighting on credit scores or broad demographic factors.
Coverage options protect drivers from liability risks as well as damage to their vehicles, while telematics technology ensures accurate mileage and transparent pricing. Has pen.
Available Limits: Not disclosed.
Carrier: Admitted
States: Arizona and Nevada
Contact: Allegra Reber, allegra@just.insure
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