Kinsale Capital Group, Inc. · NYSE:KNSL
Kinsale Capital — Investor Day (January 2026)
35 slides from Kinsale Capital's investor day presentation, Jan 8, 2026
Slide 1: Investor Day 1.8.26
INVESTOR DAY 1.8.26
Slide 2: Forward-Looking Statements
Forward-Looking Statements This presentation contains forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include any statement that does not directly relate to historical or current facts. These statements may discuss, a
Slide 3: Underwriting
UNDERWRITING Stuart Winston, Hannah Taylor, John Bowen
Slide 4: Underwriting Philosophy
UNDERWRITING PHILOSOPHY E&S Market, Broad Risk Appetite Best in Class Service Individual Risk Underwriting No Delegated Underwriting Data Driven Underwriting
Slide 5: E&S Market Update
E&S MARKET UPDATE • Current Market Conditions • Fragmented Market • Soft/Softening: Large Property, D&O, Products, Life Sciences • Stable/Firm: Commercial Auto, Premises Liability, Social Services, Long Tail Casualty Lines
Slide 6: Underwriting Group Overview
UNDERWRITING GROUP OVERVIEW Professional Specialty Casualty Transportation Agribusiness Personal Lines Property Lines Casualty Allied Health Environmental Railroad Construction Excess Agribusiness High Value Commercial Entertainment Casualty Homeowners Property Professional Aviation Excess Casualty
Slide 7: 2025 New Products
2025 NEW PRODUCTS Environmental Primary Builders Risk Agribusiness Contractors Primary Homeowners Discontinued Property Cyber Vet Medicine Quota Share Property E&O Aviation E&S Operations Quota Share Appetite Expansion Specialization New Product
Slide 8: 2026 Continued Growth
2026 CONTINUED GROWTH Efficiency Appetite New Product Specialization Gains Expansion Development
Slide 9: Homeowners Market Opportunity
HOMEOWNERS MARKET OPPORTUNITY E&S Homeowners premium Driver of business to Regulators slow to allow was $3.1B in 2024 E&S market for adequate rate changes Premium up 43% YOY in 2024 Catastrophe claims (wildfire & hurricane), convective storms, & increase in home values
Slide 10: Kinsale Homeowners Today
KINSALE HOMEOWNERS TODAY High Value Homeowners Personal Insurance Kinsale Approach/Difference
Slide 11: Future Opportunities
FUTURE OPPORTUNITIES Distribution Geography Product Expansion Expansion Expansion
Slide 12: Business Development
BUSINESS DEVELOPMENT Pat Dalton
Slide 13: Service Is a Competitive Advantage
SERVICE IS A COMPETITIVE ADVANTAGE 75% 60% 9 min New business Submissions responded Average submission quote ratio to within 24 hours clearance time AI-driven routing improves accuracy & underwriter productivity
Slide 14: Focused, Disciplined Distribution
FOCUSED, DISCIPLINED DISTRIBUTION 234 784 Brokerage firms Offices nationwide 95% Premium sourced through wholesale 50 New brokerage firms/brands appointed in 2025. Appointments evaluated on ability to aggregate aligned business, regardless of distribution channel.
Slide 15: Structured Appointment Management Delivers Results
STRUCTURED APPOINTMENT MANAGEMENT DELIVERS RESULTS • Formal follow-ups at 4, 8, and 12 months (introduced 2024) • No change to underwriting standards 2024 appointments vs. 2023 appointments +27% +32% +22% Submissions Quotes Binds
Slide 16: Modern Broker Engagement Model
MODERN BROKER ENGAGEMENT MODEL • Brokerage teams are increasingly decentralized • Engagement combines in-person and virtual outreach • Focus on production review, appetite clarity, and expectations 2025 Activity 866 500 In-person Virtual visits meetings
Slide 17: IDLE Initiative: Targeted Engagement Improves Conversion
IDLE INITIATIVE: TARGETED ENGAGEMENT IMPROVES CONVERSION 643 | 323 In-person Virtual 2025 Targeted Engagement 493 Offices converted off IDLE list Driven by improved alignment & 44% success rate heightened engagement — not relaxed underwriting
Slide 18: Claims
CLAIMS Mark Beachy
Slide 19: Excess & Surplus Claims: The Difference
EXCESS & SURPLUS CLAIMS Forms Severity Litigation Complexity Experts Plaintiff Bar Standard The Difference Standard/Few Low/ Low/ Two Party Limited General Endorsements Moderate Moderate Reliance Expertise Excess & Surplus Manuscript/More High High Multi Party Heavy Specialized Endorsements Reliance
Slide 20: High Performing Operating Model
HIGH PERFORMING OPERATING MODEL Organized by Line Highly Technical of Business Workforce Specialized Strategic Organization Staffing Pay Only What We Owe Information Optimized Advantage Workflow Actionable Business Non-Delegated Intelligence Claim Handling
Slide 21: Technology & Innovation
TECHNOLOGY & INNOVATION Proprietary Kinsale Claim Platform Analytics Third Party Automation & Data Artificial Intelligence
Slide 22: Leveraging AI
LEVERAGING AI Automate repetitive tasks Deepen Accelerate Expertise Talent Decisions Enhance Accuracy
Slide 23: Information Technology
INFORMATION TECHNOLOGY Diane Schnupp
Slide 24: IT as a Strategic Differentiator
IT AS A STRATEGIC DIFFERENTIATOR Disciplined Maintain Leverage our Employ a Strong balance underwriting absolute control proprietary quantitative sheet and focused on over technology to approach – reserve position. small-account underwriting operate with a using analytics Growing float E&S market an
Slide 25: Technology Is a Core Competency
TECHNOLOGY IS A CORE COMPETENCY • Proprietary, internally developed platforms are purpose-built to support our end-to-end operations, enabling rapid iteration and market-driven differentiation in E&S insurance. • An integrated ecosystem of 120 applications and proprietary data delivers customized wo
Slide 26: Target State Delivery
TARGET STATE DELIVERY Application Percent Complete Submission Intake 100% Underwriter Dashboard 100% Underwriter Worksheets for Property 100% Rating Engine 100% Personal Insurance Portal 82% Underlying Enterprise Technologies 80% Master Data 75% Document Creation & Storage 75% Underwriter Worksheets
Slide 27: Analytics & Actuarial
ANALYTICS & ACTUARIAL Salmaan Allibhai
Slide 28: Kinsale Is a Quantitative Company
KINSALE IS A QUANTITATIVE COMPANY We have a data-driven approach to managing the business. Pricing/ Claims Reserving Underwriting Handling Capital Risk Staffing/ Strategy Management Budgeting Embracing data is a fundamental part of the Kinsale culture.
Slide 29: Turning Data into a Competitive Advantage
TURNING DATA INTO A COMPETITIVE ADVANTAGE We collect and analyze a lot of data • We have data on the full life-cycle of a policy from when it arrives as a submission until the last dollar of a claim is paid • Data sources include Underwriting Worksheets, Policy System, Claims, & Finance We help user
Slide 30: Focus on Third-Party Data
FOCUS ON THIRD-PARTY DATA Combined effort by Analytics & Actuarial, Underwriting, & IT to take advantage of third-party data. 1 2 Improve how we Automate repetitive tasks segment & price risk & capture valuable data There is a wealth of data out there, and given our focus on analytics and technology
Slide 31: A History of Data-Driven Progress
A HISTORY OF DATA-DRIVEN PROGRESS • Google API Data • Customer Service – Time to Quote • HazardHub Property Scoring • Distance to Active Wildfire • Habitational Water Coverage • Census Data • Battery Coverage • Telematics Data Collection • Commercial Credit • Contractor Permit and Licensing • Flat F
Slide 32: Modernizing Pricing with Advanced Analytics: GLMs
MODERNIZING PRICING WITH ADVANCED ANALYTICS: GLMs Personal Lines Carriers have been using Generalized Linear Models for decades • They have large, homogenous books of business with hundreds of data points on each policy We are bringing that approach to commercial E&S business Staffing/ Budgeting
Slide 33: Generative AI – Goals
GENERATIVE AI – GOALS 1 2 Improve how we Automate repetitive tasks segment and price risk and capture valuable data AI will continue to improve over time, and we are well-positioned to take advantage given our focus on data, analytics, and technology.
Slide 34: The Opportunity Ahead
THE OPPORTUNITY AHEAD U.S. Personal Auto Insurance Market Share - 1996 to 2024 25% 20% State Farm Market Share (%) Progressive 15% GEICO 10% Allstate Staffing/ USAA 5% Budgeting 0% State Farm Progressive GEICO Allstate USAA
Slide 35: Investor Day 1.8.26
INVESTOR DAY 1.8.26