Personal Lines

AmWINS has a dedicated underwriting team that works with retail agents nationwide to underwrite coverage for a wide variety of personal lines risk.

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Coverage for Unique Personal Lines Risks

AmWINS is a leading specialty insurance distributor of personal lines products that excels in helping our retail agents and brokers find the right coverage at competitive rates for personal lines accounts of all values and sizes.

As the largest wholesale broker in the U.S., we are uniquely positioned to provide access to best-in-class and exclusive personal lines markets to help differentiate our retail partners. With both admitted and non-admitted markets, as well as national and international carriers, we competitively place risks that can be written as either standalone coverage, or part of a more comprehensive package policy.

Underwriting-Driven Culture

Our local underwriters are solely focused on personal lines. We understand the importance of time sensitivity, active communication, and working with our retail partners to find solutions for those harder to place risks and hard to satisfy clients. With dedicated personal lines underwriters across the U.S., our experienced underwriting team has an average industry experience exceeding 10 years.

Coverage

We can help you insure everything including luxury homes, vacation homes and rentals, vacant homes, condos, valuable articles, autos/collector cars, and recreational marine vehicles. We provide coverage for all types of perils including wind, fire, earthquake, and flood, as well as comprehensive personal liability / umbrella protection to cover your assets.


Areas of Specialty

Homeowners
  • High Net Worth Admitted/Family Office
  • Coastal E&S
  • Condo Unit Owners
  • Dwellings (1-4 Family Rental, Vacant)
  • Vacation Rentals
  • Builder's Risk
  • Flood (primary and excess)
  • Umbrella / CPL
  • Farm and Ranch 
High Valued Vehicles

Recent Insights

Property, Property & Casualty

AmWINS Exclusive Property Capacity

11/10/17

A one-two-three punch of hurricanes to the U.S., combined with global property catastrophes, have plunged the property market into a period of uncertainty. Vital market access and capacity will be key to success in the coming months.

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.

Property, Property & Casualty

Coinsurance and Blanket Limits in Commercial Property Insurance

09/21/17

While policyholders should strive to provide the insurer with complete and accurate values for buildings and business personal property that are the subject of insurance, policyholders should also understand the basic workings of the coinsurance condition. In this article, we'll see an example of the potential penalties for underinsurance, the agreed value option, blanket limits and margin clauses.

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.

Property, Property & Casualty

Insurance-Linked Securities: Providing Capacity to Catastrophe Risks

07/20/17

Insurance-Linked Securities (ILS) provide alternatives to traditional indemnity-based insurance products by allowing investors to provide capacity, primarily on property catastrophe risks. Whether purchased in addition to a traditional program or in lieu of a traditional setup, ILS arrangements may offer a more efficient use of capital and can be fine-tuned to meet the needs of the insurance buyer.

Property, Property & Casualty

10 Catastrophe Claim Tips for Severe Weather Season

05/16/17

Severe weather can be unpredictable and strike at any time. Help your clients be prepared in the event their property is damaged by a hurricane, tornado, hailstorm or similar disaster with these 10 catastrophe claim tips.

Property, Property & Casualty, Transportation

Railroad Property Business Keeps Rolling

05/16/17

The engine and cars that come down the track are only a small part of the property of any railroad operation. Property exposures are as diverse and complex as railroads themselves and require a specialized approach to navigate the insurance marketplace.

Casualty, Construction, Property & Casualty

CGL Exclusions Common To Construction-Related Claims

04/20/17

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

03/21/17

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

01/26/17

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

01/26/17

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

12/13/16

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

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.

Property, Property & Casualty

Top 10 Costliest Hurricanes in U.S. History

For the insurance industry, a major hurricane making landfall means an enormous number of claims, often resulting in rate increases for insureds and changes to catastrophe models. Check out this infographic which highlights the 10 most costly hurricanes in U.S. history, ranked by estimated insured loss.

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.

Property

Contingent Business Interruption Insurance Covers Losses Beyond a Business’ Control

Business interruption is a common coverage that allows a business to recover revenue lost as a result of a direct physical loss or property damage. But contingent business interruption coverage, while less prevalent, provides an additional layer of protection against losses that result from interruptions to supplier or distributor chains which directly impact the insured’s ability to produce products or deliver services.

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?