"The Bear Cave believes Kinsale is not a business with a durable moat and instead is powered by overpriced and exclusion-heavy insurance policies enabled by minimal regulatory oversight and a less sophisticated customer base. Through public record requests, The Bear Cave has obtained complaints from Kinsale customers to insurance regulators that allege overcharges and improper billing, as well as insurance so ineffective that one customer claims to have been “defrauded.” The Bear Cave concludes that Kinsale’s business is unsustainable and of low quality." 6 days 12 hours ago
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