Kinsale Capital Group, Inc.

Kinsale Capital Group, Inc. (KNSL: NASDAQ) operates as a specialty property and casualty insurance company focused exclusively on the excess and surplus lines market in the United States. The company's website is www.kinsalecapital.com.

The company writes a broad array of insurance coverages for risks that are unusual or difficult to place in the standard insurance market, including newly established companies, high-risk operations, and businesses with poor loss histories. Kinsale's product portfolio consists of commercial and personal insurance lines, with commercial lines representing 97 percent of gross written premiums. Within commercial offerings, the company provides casualty coverage, property insurance, construction coverage, small business protection, allied health insurance, entertainment coverage, and products liability, among other specialized lines. Personal insurance, primarily high-value homeowners coverage, comprises the remaining three percent of premiums.

Kinsale distributes its products through a network of independent insurance brokers across all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. The company also operates Aspera Insurance Services, a wholly-owned broker that distributed approximately 1.2 percent of premiums in 2025. The largest brokers include RSG Specialty, AmWINS Brokerage, and CRC Commercial Solutions.

As of December 31, 2025, the company employed approximately 570 people across underwriting, claims, and information technology functions. The company generated gross written premiums of approximately $2.0 billion in 2025, with significant geographic concentration in California, Florida, and Texas, which collectively represented approximately 49 percent of total premiums.

Kinsale's competitive advantages include its proprietary technology platform, which enables rapid underwriting and quoting capabilities, an experienced management team with average tenure exceeding 30 years in the insurance industry, fully integrated in-house claims management, and disciplined expense management. The company maintains an "A" (Excellent) financial strength rating from A.M. Best and manages catastrophe exposure through reinsurance arrangements with highly-rated counterparties and careful underwriting discipline.