Our Business

Kinsale Capital Group, Inc. is a specialty insurance group focused exclusively on the excess and surplus lines market in the United States. We use our underwriting expertise to offer terms on hard-to-place risks. Our goal is to provide long-term value to our stockholders by generating exceptional profit and growth. Kinsale seeks to accomplish our goal by producing consistent underwriting profits, steady investment returns along with sound capital management. Kinsale Capital Group, Inc. is designed to be highly entrepreneurial and efficient. We differentiate ourselves from our competitors by effectively leveraging technology, rigorous expense management and by maintaining control over our claims and underwriting processes.

Our Results

Summary Financial Data

Gross written premiums$223,191$275,538$389,694$552,814
Net income24,90133,78763,31688,419
Net operating earnings (1)26,71838,74353,24572,313
Return on equity11.1%13.5%18.9%18.0%
Operating return on equity (1)11.9%15.4%15.9%14.7%
Loss ratio58.9%60.2%59.9%63.9%
Expense ratio25.1%25.1%24.8%22.8%
Combined ratio84.0%85.3%84.7%86.7%

(1) Net operating earnings and operating return on equity are non-GAAP financial measures, please click here to see Non-GAAP Reconciliation-Net Operating Earnings.