Kinsale Capital Group Inc
kinsalecapitalgroup.comKinsale Capital Group Inc (NYSE: KNSL) is a specialty insurance company that underwrites excess and surplus lines (E&S) property and casualty insurance in the United States. It makes money by collecting premiums on hard-to-place risks that standard admitted carriers decline, then generating underwriting profit and investment income on the float. Kinsale operates as both an insurance carrier and a managing general underwriter, keeping underwriting, claims, and technology functions in-house rather than delegating to outside agents. The company is headquartered in Richmond, Virginia. Its low-cost operating model, reflected in a combined ratio consistently below the E&S industry average, gives it a measurable expense advantage over peers. Kinsale writes across a broad range of commercial lines including small and medium-sized accounts, targeting segments where pricing complexity limits competition from standard markets. Per the 10-K filed 2026-02-20, Kinsale reported results for the fiscal year ended December 31, 2025.
Products & Services
Excess and surplus lines property and casualty insurance across commercial lines including small and medium-sized accounts in hard-to-place risk categories.
Revenue Model
Premium revenue from excess and surplus lines property and casualty insurance policies, supplemented by net investment income earned on the float from policyholder reserves.
Customers & Markets
Commercial policyholders with non-standard or difficult-to-place risks that standard admitted insurance markets decline; distributed through wholesale brokers.
Geographic Exposure
United States, focused on the excess and surplus lines market.
Financial Snapshot
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