Casualty

AmWINS is the leading casualty insurance wholesale broker in the U.S., with the ability to handle a wide range of account sizes and complexities.

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Casualty Expertise

AmWINS' position as a leading U.S. casualty wholesaler provides our clients access to proprietary products with strategic markets, our risk and industry practices, and brokers who specialize in many classes of business. We leverage our market position along with our skills and resources to provide coverages for unique exposures and business opportunities in new emerging risks of today. This enables us to offer advice and meet with our clients’ customers to tailor coverage for leading edge solutions for each risk.

We have partnered with leading specialty and E&S carriers that offer coverage for nearly every class of business, placing more than $3.6 billion in casualty premium with them annually.

Proprietary Products

AmWINS is continually providing new product offerings for our clients and offers easy access to many exclusive underwriting programs for specific industry groups. We provide our retails clients with our significant market presence, product knowledge with proprietary products and solutions in all classes of risk to give retailers a distinct advantage in the marketplace.

Small Account Binding Authority

Through AmWINS Access, our company’s nationwide binding and small business platform, you benefit from industry-leading technology which both simplifies and accelerates the process of handling small accounts. All of this leads to speed, efficiency, and the best possible terms for your insureds.

Value-Added Services

This high level of expertise allows us to work collaboratively with our carrier partners, providing the support and tools necessary to protect your clients’ assets and income through hazard identification, evaluation, mitigation, and control by offering supportive and collaborative services that include:

  • Liability risk management
  • Claims advocacy
  • Placement strategy
  • Market selection
  • Form review
  • Risk differentiation
  • Strategic program structure

Areas of Specialty

Commercial Auto

Construction Wraps

Environmental Liability

General Liability

Liquor Liability

Product Recall

Products Liability

Umbrella and Excess

Workers' Compensation

Recent Insights

Casualty, Property, Property & Casualty, Public Entity

State of the Public Entity Market

05/11/18

The Public Entity market is seeing unique trends for both Property and Casualty. In Property, the mid-market has seen firming while larger placements have seen carriers, both domestic and in London, attempt to hold the line on pricing. In Casualty, there are underwriting concerns around several key issues including attachment point sensitivity, capacity management, and difficult public exposures such as water utilities and law enforcement.

Casualty, Property, Property & Casualty, Transportation

State of the Transportation Market

05/17/18

​In both primary and excess liability, accounts are seeing some increases, but the worst may be behind us. As is typical in the transportation sector, troubled accounts are facing higher costs and placement challenges. In an ever changing marketplace, claims, safety and technology are at the forefront and buyers can no longer simply consider price.

Casualty, Property & Casualty, Real Estate

State of the Casualty Real Estate Market

03/22/18

The state of the casualty market for real estate and habitational risks differs by the type of exposure. While desirable risks are seeing rate reductions, crime-related losses have caused many carriers to tighten acceptability guidelines, and shrinking profit margins have caused carriers in the habitational market to exit the space. Learn more in our State of the Real Estate Market report.

Casualty, Property & Casualty, Transportation

Why Your Employees' Driving Record Can Be a Reflection on Your Company

10/31/17

Due to the Doctrine of Negligent Entrustment, the consequences of allowing an employee with a poor driving record to operate any motor vehicle for work purposes extend beyond a possible traffic violation or accident. These seven tips will help you to proactively manage your drivers and maintain your CDL files as part of your fleet safety program.

Casualty, Product Recall, Property & Casualty

Whole Genome Sequencing and the Increase in Food Contamination Recalls

09/21/17

The number of food contamination recalls continues to grow at a record-setting pace. In large part, the exponential increase in food recalls is a result of government regulatory bodies’ growing use of Whole Genome Sequencing (WGS) to identify the source of the contaminants. This article discusses the revolutionary impact of WGS on the food production industry.

Casualty, Property & Casualty

Landlord & Tenants and the Subrogation Dilemma

08/15/17

While insurance may protect a tenant against subrogation by a landlord’s insurer, the liability of the tenant to the landlord is ultimately a question of law. As a result, any defense to a tenant’s liability is the practice of law. Learn the importance of consulting qualified legal counsel regarding questions of tenant liability, including the consideration of the various approaches to limiting that liability to the landlord.

Casualty, Construction, Property & Casualty

CGL Exclusions Common To Construction-Related Claims

The Commercial General Liability policy (CGL) is an essential factor in the equation that consists of building planning, financing, construction, operation, and protection from risk. Standard ISO form CGL policies contain an insuring clause subject to long-standing exclusions, which have been the subject of interpretation and case law over the years. This article focuses on the operation of the form’s exclusions j, k, and l.

Casualty, Construction, Property & Casualty

5 Risk Transfer Options for Owners and Developers

Owners and developers involved in construction projects must deal with the inherent risks involved with such projects. Their options are typically limited to avoiding, assuming, controlling/mitigating, or transferring the risk. This article addresses the most common risk transfer options.

Casualty, Property & Casualty

Arbitration Law As We Move Into 2017

Arbitration is becoming a frequently preferred method for dispute resolution, especially in commercial matters and those involving consumer contracts. While there are many positives to arbitration, there are also drawbacks. This article discusses the basis and background of arbitration and current trending and emerging subjects.

Casualty, Property & Casualty, Transportation

8 Areas in which the Electronic Logging Mandate will Impact Trucking

The Federal Motor Carrier Safety Administration mandate which requires nearly all U.S. truck operators to use electronic logging devices (ELDs) to track duty status has been upheld in court and will take effect December 16, 2017. The mandate will impact not just the trucking industry, but the trucking insurance sector as well.

Casualty, Healthcare (P&C), Property & Casualty

3 Factors Threatening the Nursing Home Liability Market

With ample capacity in nursing home and long-term care liability insurance, competition remains strong among carriers. However, the convergence of three separate events are threatening to create a perfect storm in the marketplace.

Casualty, Property & Casualty, Workers' Compensation

How to Combat Rising Rates and Retentions in Excess Workers' Compensation Insurance

For 10 years, rates and retentions for self-insureds have been steadily (sometimes drastically) increasing. The good news is there's a way to fight the increases, though it has little to do with insuranc​e.

Casualty, Property & Casualty, Workers' Compensation

Protection & Indemnity Insurance – Overview and Coverage Concerns

P&I insurance, which is liability coverage for vessel owners, is subject to many exclusions and special conditions. Often, we see instances where the P&I insurer declines defense and indemnity in cases involving injuries to crew members. Here's a closer look at why.

Casualty, Property & Casualty, Real Estate

Overcoming the Challenges of Placing Multi-Family Real Estate Insurance

Multi-family real estate insurance has become a difficult class to place - many markets have either exited the space or tightened their guidelines. Here are three ways that you can help present risks in the best possible light for underwriters.

Casualty, Property & Casualty

Late Insurance Claims Reporting - A Crucial Component in Avoiding a Denial

Nobody likes to see a claim get denied for any reason, especially if it's because of something avoidable like missing the reporting deadline. In this client advisory, we'll discuss tips on reporting a claim to avoid an unnecessary denial.

Casualty

Insurance Claims at Lloyd's – How Does it Work?

Lloyd’s of London has long been recognized as a well-established brand that, through the breadth and depth of coverages offered, is easily identifiable outside insurance industry standards. But how does the claims process work at the world’s most recognizable market, and how is an organization so steeped in tradition managing its claims processes to keep pace with today’s technology?

Casualty

Garage Liability Insurance Packages May Reveal Coverage Gaps and Lacking Limits

A close look at a garage liability policy will likely reveal a number of coverage gaps and exposures that could have a dramatic impact on balance sheets in the event of a claim. While these packages are the industry norm, identifying potential gaps and the stand-alone solutions that can supplement the garage package policy will go a long way in helping protect clients before it’s too late.

Casualty

The Contractual Liability Exclusion

The extent to which the contractual liability exclusion applies can vary, depending on geography, the applied agreements and even the level of liability that can be imposed under general law. While each case may be unique in its own right, it’s important to examine the variables that can factor into claims to see in which capacity contractual liability exclusions could apply.

Casualty, Property

Aviation Insurance Exposures – Consider the Potential

From a simple slip and fall claim to a complex bodily injury or damage to aircraft claim, airports of all sizes are subject to substantial liability. Aircraft and airport operations seem to be very routine in nature, but when the unexpected loss occurs, proper coverage becomes very important.

Casualty, Environmental, Property & Casualty

Environmental Insurance Claims, Part 2: Leading Questions to Determine Client Exposure

In part one of our article series, AmWINS and Rockhill Environmental teamed up to show some examples that can lead to a loss. Now, in Part II, we outline some leading questions to help clients determine environmental exposure.