kinsale is at the top for a while

I do believe Kinsale is an outstanding company, and I have researched it extensively for addition to the Bull List. However, the reason it has not been included yet is I believe Intact Financial to be the better company overall. They're both property and casualty insurers, and I felt if I added both to the list, I would get a million questions based around "Kinsale or Intact" and I thought to myself what my answer would be, and I would have had a difficult time saying Kinsale over Intact.