Kinsale is a domestic excess and surplus (E&S) lines insurance company specializing in hard-to-place property, casualty and specialty risks. Typical E&S risks include newly established companies or industries, high-risk operations, insureds in litigious venues, or companies with poor loss histories. Kinsale targets classes of business where its underwriters have extensive experience allowing it to compete effectively and earn attractive risk-adjusted returns. The Company's core client focus is small to medium-sized accounts. Kinsale's commercial lines offerings include construction, small business, excess casualty, general casualty, energy, professional liability, life sciences, product liability, allied health, health care, commercial property, management liability, environmental, inland marine, public entity and commercial insurance. The Company also writes a small amount of homeowners insurance in the personal lines market.