Kinsale Insurance Company Review

We've looked at over 1,000 insurance companies rating them on strength, accessibility, and service to find the best ones. Here's what people think about Kinsale Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Kinsale Insurance Company at a Glance

  • Founded in 2010
  • Rated "A" (excellent) by AM Best
  • Rated "A+" (excellent) by the Better Business Bureau (BBB)
  • Offers several types of business insurance
  • Licensed in all 50 states

Kinsale Insurance Company pros: Highly rated by AM Best and the BBB. Offers a large selection of commercial coverages. Coverage available nationwide.

Kinsale Insurance Company cons: Younger carrier. Not much information about claims process provided. Difficult to find customer feedback.

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What Type of Insurance Does Kinsale Offer?

Here's an overview of the products offered by Kinsale Insurance Company.

  • Aviation insurance
  • Construction insurance
  • Excess casualty insurance
  • Small business insurance
  • Commercial property insurance
  • Inland marine insurance
  • Professional liability insurance
  • Health care insurance

This list of products offered by Kinsale Insurance Company is not exhaustive. Your independent insurance agent can help you find more information about the coverages offered by Kinsale Insurance Company, and help you decide if this insurance company is right for you.

What to Know about Kinsale Insurance Company

Founded in 2010, Kinsale Insurance Company is headquartered in Richmond, Virginia. The carrier offers several forms of coverage under professional lines including small business insurance, aviation insurance, professional liability insurance, and much more. 

Kinsale Insurance Company is licensed in all fifty states and DC, Puerto Rico, and the Virgin Islands. The insurance company's LinkedIn social media network states that they employ more than 315 employees overall. 

Thanks to their extensive coverage catalogue, Kinsale Insurance Company has earned itself a reputation as a stable carrier with a strong future outlook. AM Best gives the insurance company an overall “A” rating, indicating the carrier is an excellent choice for insurance customers.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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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 still gets the job done right.

Kinsale Insurance Company Customer Service

Here's an overview of Kinsale Insurance Company's customer service options and availability. 

  • Contact form on website
  • Fax contact option
  • Email claims reporting
  • Snail mail contact option
  • Customer service phone department has following hours restrictions:

Hours (EST)

Monday-Friday 8 am - 5 pm

Saturday 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 FAQ

What is Kinsale Insurance Company's average claim response time frame?

Kinsale Insurance Company does not make a specific claims response time frame promise.

What is Kinsale Insurance Company's customer service availability?

Kinsale Insurance Company's phone customer service department is available at normal business hours during the week. Customers can also contact the carrier via fax, email, or snail mail.

What is Kinsale Insurance Company's claims process?

Kinsale Insurance Company does not provide much information about their 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.

Does Kinsale Insurance Company create a user-friendly experience for customers?

Kinsale Insurance Company's official website is polished and easy to navigate. However, the carrier would benefit from adding more details about their claims process, as well as more options for claims reporting.

Does Kinsale Insurance Company have good small business insurance?

Kinsale Insurance Company offers several forms of coverage, including small business insurance. The carrier's official website lists the following coverage details for their small business insurance.

  • 10,000,000 excess capacity available through Kinsale Excess Casualty Division
  • commercial general liability
  • Owners contractors protective liability
  • ISO occurrence coverage form
  • Deductibles $0 to $5,000
  • Premium range: $1,550 to $15,000

An independent insurance agent can help you find more information about Kinsale Insurance Company's small business insurance, as well as their many other products offered.

Is Kinsale Insurance Company a good insurance company?

Kinsale Insurance Company is highly rated by the BBB and AM Best. However, they are 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.'s Final Review

We award Kinsale Insurance Company a final rating of 2 out of 5 stars. Though the insurance company is highly rated by AM Best and the BBB, their user-friendly experience is lacking compared to many modern carriers. It's also extremely difficult to find any customer feedback.

Kinsale Insurance Company does provide an extensive commercial lines insurance catalogue for customers across the US. The carrier is fairly young, with just over a decade under their belt. 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.

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