Kinsale Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Kinsale Insurance Company Score
2.5 Stars
We award Kinsale Insurance Company a final rating of 2.5 out of 5 stars. Though the insurance company is highly rated by AM Best, its BBB rating is lower than many modern carriers. Unfortunately, there's also a large volume of negative customer feedback spotted on the web.
Founded in 2010, Kinsale Insurance Company is headquartered in Richmond, Virginia. The carrier offers many different forms of coverage under professional lines, including small business insurance, aviation insurance, professional liability insurance, and much more. The carrier also offers personal lines and property coverage, including high-value homeowners insurance. Kinsale is licensed in all 50 states, D.C., Puerto Rico, and the Virgin Islands.
Kinsale Insurance Company provides an extensive commercial lines insurance catalog for customers across the U.S. However, the carrier is still fairly young and already has quite a bit of negative customer feedback.
We were also unable to find any discount information from Kinsale. Overall, we recommend working together with an independent insurance agent to find the right carrier for you, and perhaps skip looking into Kinsale Insurance Company.
Kinsale Insurance Company Pros and Cons
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Kinsale Insurance Products by Type
Here's an overview of the products offered by Kinsale Insurance Company.
Casualty insurance:
- Construction insurance
- Excess casualty insurance
- General casualty insurance
- Small business insurance
Specialty casualty insurance:
- Energy insurance
- Entertainment insurance
- Environmental insurance
- Life sciences insurance
- Product recall insurance
- Product liability insurance
Business insurance:
- Allied health insurance
- Excess professional insurance
- Healthcare insurance
- Management liability insurance
- Professional liability insurance
- Public entity insurance
Transportation insurance:
- Aviation insurance
- Commercial auto insurance
- Inland marine insurance
- Ocean marine insurance
- Railroad insurance
Home & property insurance:
- Commercial property insurance
- Small property insurance
- High-value homeowners insurance
Kinsale Insurance High-Value Homeowners Insurance
Kinsale Insurance's high-value homeowners insurance policies are available in all 50 states. These policies are designed for the following properties:
- Historic homes
- Hobby farms
- Mansions
- Mountain homes
- Ranches
- Waterfront homes
Kinsale's high-value home insurance policies offer proprietary coverage similar to what's found in an HO3 home insurance policy. You can buy coverage on a primary or ground-up basis. Coverage limits of up to $5 million in primary capacity and up to $10 million in excess capacity are available.
Kinsale Insurance High-Value Home Insurance Average Prices
Kinsale does not offer average pricing for its high-value home insurance. Your premium rates will vary depending on the type and value of property you insure, your location, and other factors. To get a better idea of how much homeowners insurance might cost for you, use our home insurance calculator. An independent insurance agent can also help you get a quote from the carrier.
Kinsale Insurance Commercial Auto Insurance
Kinsale's commercial auto insurance policies are also available nationwide. The carrier offers three major types of coverage.
Excess auto liability
Kinsale's excess auto liability can increase the liability protection offered by a standard commercial auto policy to a limit of $1 million or more.
Non-dealer's garage liability with garagekeepers
Kinsale's non-dealer's garage liability with garagekeepers coverage offers protection to garages and other similar businesses against liabilities related to their operations and to customers' vehicles while in the business's care.
Truckers’ general liability
Kinsale's truckers' general liability coverage can protect truckers from liability stemming from third-party claims of property damage or bodily injury.
Kinsale Insurance Commercial Auto Insurance Average Prices
Kinsale does not publish its average commercial auto insurance premium rates. The cost of your policy may vary considerably depending on the type of business vehicles you need to insure and other factors. An independent insurance agent can help you get a quote from the carrier.
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What Discounts Does Kinsale Insurance Company Offer?
Kinsale Insurance Company does not make information about its specific discounts readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most affordable coverage that offers all the protection you need.
Kinsale Insurance Company Customer Service
Here's an overview of Kinsale Insurance Company's customer service options and availability.
- Online contact form
- Phone
- Fax
- Snail mail
- The customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8:00 a.m.-5:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Kinsale Insurance Company FAQs
Kinsale Insurance Company does not make a specific claims response time frame promise.
Kinsale Insurance Company's phone customer service department is available at slightly extended business hours during the week. Customers can also contact the carrier via fax, email, or snail mail.
Kinsale Insurance Company does not provide much information about its claims process beyond how to file. However, an independent insurance agent can simplify claims for you, and keep you updated through every step of the process.
Kinsale Insurance Company's official website is polished and easy to navigate. However, the carrier could benefit from adding a step-by-step claims process, as well as average pricing for its coverage. Kinsale also has a respectable social media presence, overall giving the carrier a fairly user-friendly experience.
Yes, Kinsale offers multiple types of coverage through its commercial auto policies, including excess liability and garagekeepers insurance.
Kinsale Insurance Company is highly rated by the BBB and AM Best. However, it's one of the younger carriers on the market today. It's also difficult to find customer feedback. So, it may be up to individual interpretation whether Kinsale Insurance Company can be considered a good carrier.
Kinsale's insurance products may be right for individuals or professionals in need of many different types of coverage, ranging from high-value homeowners insurance to specialty casualty policies like energy insurance and more.
https://www.kinsaleins.com/
https://www.bbb.org/us/va/richmond/profile/insurance-companies/kinsale-insurance-company-0603-63405196
https://ratings.ambest.com/CompanyProfile.aspx?ambnum=14027&AltNum=176714027