Excess and Surplus Lines Insurance
industry
The excess and surplus (E&S) lines insurance market, a segment of the non-admitted insurance market that covers risks that standard admitted insurers are unwilling or unable to underwrite. E&S insurers have greater pricing and form flexibility, and the market historically grows faster than standard commercial P&C lines.
Sentiment
Bullish (30d)0
Neutral (30d)0
Bearish (30d)0
Claims
Kinsale's premium growth will normalize to 10-20% as the E&S market softens
After averaging 36% annualized premium growth during a six-year hard market, growth has already slowed to 18% in 2025 as competition loosens and the cycle turns, though structural E&S tailwinds and share gains should sustain double-digit growth.
