Kinsale Capital Group Inc
kinsalecapitalgroup.comWhat Do They Do?
Provides property and casualty insurance for hard-to-place commercial and personal risks, selling primarily through independent insurance brokers.
10-K for FY2025, filed Feb 20, 2026
How Do They Make Money?
Insureds pay premiums for insurance policies, which Kinsale earns over the policy term, generally one year. It also charges insureds flat policy fees when it writes the related premium.
10-K for FY2025, filed Feb 20, 2026Gross written premiums are the amounts received or to be received for insurance policies written or assumed by us during a specific period…View ↗
We earn insurance premiums on a pro rata basis over the term of the policy. Our insurance policies generally have a term of one year. Net…View ↗
Fee income includes policy fees charged to insureds and is recognized in earnings when the related premium is written. Policy fees are a…View ↗
$1.9B
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10-K for FY2025, filed Feb 20, 2026
$1.9B ↗
Who Are Their Customers?
Businesses seeking insurance that is hard to obtain in the standard market and personal-lines policyholders buy coverage primarily through independent insurance brokers; some policies are sold through Kinsale’s wholly owned broker, Aspera.
10-K for FY2025, filed Feb 20, 2026Kinsale is a property and casualty insurance company that focuses exclusively on the excess and surplus lines ("E&S") market in the U.S.…View ↗
We write a broad array of insurance coverages for risks that are unusual or hard to place in the standard insurance market. Typical E&S…View ↗
Marketing and DistributionView ↗
We market our products through a broad group of independent brokers. We also sell policies through our wholly-owned broker, Aspera. In…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 27 cents of every revenue dollar as net income in FY2025 and turned 53 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 2.9x in 4 years, from $653.5M in FY2021 to $1.9B in FY2025, about 30% a year.
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