Company: KNSL
Filing Date: 2025-08-27
Form Type: S-3ASR
Source: 0001669162-25-000052
Chunk: 7

Company: Kinsale Capital Group, Inc.
Filing Date: 2025-08-27
Form: S-3ASR
Chunk 7
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capitalgroup.com. We are not incorporating the contents of our website into this prospectus.

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### RISK FACTORS
You should carefully consider the risks and uncertainties incorporated by reference herein, including the risks and uncertainties described under the heading “Risk Factors” in Part I, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2024, and Part II, Item 1A of our Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2025, together with the other information included or incorporated by reference in this prospectus, before deciding to invest in our securities. The risks and uncertainties incorporated by reference herein are not the only ones facing us. There may be additional risks and uncertainties of which we are currently unaware or currently believe to be immaterial. The occurrence of any of these risks could materially and adversely affect our business, financial condition, liquidity, results of operations and prospects.

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### USE OF PROCEEDS
Except as otherwise set forth in any accompanying prospectus supplement, we expect to use the net proceeds from the sale of securities for general corporate purposes. We will not receive any proceeds in the event that securities are sold by a selling securityholder.

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### DESCRIPTION OF SHARE CAPITAL
The following is a description of the material terms of our third amended and restated certificate of incorporation (our “Charter”) and our amended and restated by-laws (“By-Laws“). The following description is intended as a summary only and is qualified in its entirety by reference to our Charter and our By-Laws, which are filed with the SEC and are exhibits to the registration statement of which this prospectus is a part, and the Delaware General Corporation Law (the “DGCL”).

#### General
Our authorized capital stock consists of:

• 400,000,000 shares of common stock, par value $0.01 per share; and

• 100,000,000 shares of preferred stock, par value $0.01 per share.

At August 22, 2025, there were:

• 23,279,588 shares of common stock outstanding; and

• no shares of preferred stock outstanding.

#### Common Stock
We have one class of common stock. All holders of our common stock are entitled to the same rights and privileges, as described below:

#### Authorized Capital Stock
We are authorized