Products Liability

Target Classes:

Manufacturers: Emphasis on most consumer, commercial and industrial products, including:

• Cannabis dispensaries, distributors, & processors; includes plant oil processing & extraction equipment
• Consumer appliances & electronics
• Firearms & ammunition, including handguns, rifles, military, law enforcement, replicas, & imports
• Body armor & ballistic clothing
• Food & beverage processors, including alcoholic beverages
• Machine shops & machinery manufacturing
• Motorcycles, scooters, & e-bikes
• Recreational & sporting goods
• Tobacco & e-cigarette manufacturers & importers
• Toys, games, & clothing

Policy Structure:

• $10M excess capacity available through Kinsale’s Excess Casualty Division
• Commercial General Liability & Products/Completed Operations Liability
• ISO Occurrence & Claims-Made coverage forms (retroactive date continuity provided)
• Coverage tailored for unique exposures
• Split deductibles available
• Deductible will be $2,500 unless tailored to an individual risk

Minimum Premiums:

• $2,500
• $1,500 for select exposures

Submission Requirements:

• Acceptable Commercial & General Liability applications with a complete description of operations (signed & dated by the insured when bound)
• Supplemental application, where appropriate (signed & dated by the insured when bound)
• Five-year currently valued company loss runs with a description provided for losses over $25,000
• Website information