Kinsale Capital's management incentive plan is based primarily on return on equity, operating profit, and the combined ratio.

Warren Buffett stated in his 1987 shareholder letter that the insurance industry is a commodity-like business where only a very low-cost operator or a niche player can sustain high profitability.

Kinsale Capital utilizes proprietary technology to create a cost advantage over its competitors.

Kinsale Capital's expense ratio is approximately 21%, while its competitors have expense ratios of 35% to 40%.