Case 12 Kinsale Capital Group

Kinsale Capital Group was founded in the year 2009. The company is a property and casualty specialty insurance company that is focused on the excess and surplus (E&S) market in the United States. The company offers underwriting expertise to cover small business risks and personal lines risks. These insurance products are sold throughout the United States through a network of independent insurance brokers. The company has delivered attractive underwriting profits and has leveraged its proprietary technology platform to gain entrepreneurial efficiency. The commercial lines offerings by the company included small business, construction, commercial property, allied health, products liability, life sciences, general casualty, professional and management liability, inland marine, and commercial insurance. The company's competitive strength lies in its proprietary technology platform which helps the company to analyse trends across different functions in the business operations. The company has a fully integrated claims management system. The total monthly cumulative returns for Kinsale Capital during the period Nov 2017 to Oct 2022 was approximately 225%. The average total revenue and net income grew by 42% and 67%, respectively, during the period 2018–2021.