Property

AmWINS is the leading property insurance wholesale broker in the U.S., with the ability to handle a wide range of account size and complexity.

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Property Expertise

While AmWINS is the top property wholesaler in the U.S., it's not just because of the $5 billion in property premium that we place annually. Our brokers:

  • Are specialists in commercial and habitational real estate, hospitality, construction/inland marine, transportation, energy risks, public entity and CAT-driven schedules
  • Access the latest modeling and risk control resources
  • Access professional claims consulting
  • Participate in a network of property practitioners who collaborate on risks and draw on the team’s vast network to provide solutions for our clients.
  • Have strong relationships at all levels with our carriers

 

Exclusive Property Products

As the leading property broker, AmWINS is constantly working to provide new product offerings for our clients. Our objective is to provide our brokers and retail clients with competitive proprietary products complementing the capacity delivered by our specialty carrier partners. These products deliver our clients with exclusive capacity affording them a distinct advantage over their competitors.

This exclusive capacity includes an in-house binding facility (AmWINS Special Risk Underwriters) for all risk property CAT specializing in multi-family habitational, builders risk, franchise restaurants, Florida condominiums, and more.

 

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.  

 

Leading London Platform

AmWINS brokers use the expertise of our London-based colleagues at THB Group to market on behalf of our U.S. retail clients, giving our retail partners the assurance that we are using the full resources within the AmWINS organization to solve their clients’ problems.

 

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:

  • Customized program development
  • Catastrophe modeling studies
  • Development of proactive risk management strategies

Areas of Specialty

All Risk Property

Auto Physical Damage Insurance

Builder's Risk

Boiler + Machinery Insurance 

Cargo Insurance

Dealers Open Lot Insurance 

Difference in Conditions

Earthquake Insurance

Flood

HPR / Engineered Risk Insurance 

Motor Truck Cargo Insurance 

Terrorism Insurance

Wind Insurance

Recent Insights

Manufacturing, Professional Lines, Property, Property & Casualty, Transportation

Freight Forwarders Risk: A Growing and Evolving Market Segment

11/13/18

Many businesses that depend on the export and import of goods contract with freight forwarders to manage the intricate logistics of international trade. As the number of freight forwarders operating in the United States continues to grow and their roles continue to expand, new risks are being generated that require quick adaptation and innovative underwriting solutions. This article identifies the ever-evolving risks that freight forwarders face and explores coverage options for this growing market.

Casualty, Property, Property & Casualty

Program Business Update - Q3 2018

10/23/18

Speed, efficiency, and customer service are essential to earning program business, especially in the current competitive environment. Learn more about changes in the underwriting program space in the Q3 State of the Market report.

Casualty, Property, Property & Casualty, Small Business

Small Accounts and Flood Update - Q3 2018

10/23/18

Small business continues to benefit from an ultra-competitive insurance climate. Learn more about delivering solutions effectively in our Q3 State of the Market report.

Property, Property & Casualty

How Parametric Products Benefit Catastrophe-Driven Risk Transfer

09/18/18

Parametric insurance is an innovative product that functions differently than traditional insurance. Unlike a traditional insurance policy, there are many levers to pull in designing a specific parametric product for an individual insured's needs. These levers afford the opportunity and flexibility to provide a menu of options at many different price points, often providing a more competitive product than is available in the traditional market. Learn how parametric products play a major role in catastrophe-driven risk transfer.

Casualty, Professional Lines, Property, Property & Casualty

Claims Reporting: Better Late than Never?

08/16/18

A common complication during the claim process is the late reporting of claims. In some cases, a late claim can put the agent or broker's own E&O policy in jeopardy. There are many reasons for missing a reporting deadline; however, in most cases, they will not matter to the insurer or the courts. This article discusses typical claim reporting requirements, common causes of late reporting, and recommendations to mitigate the risk of late notice claim denials.

Property, Property & Casualty

Understanding Property Theories of Recovery and Ensuing Loss Clauses

08/16/18

​The theories of recovery, as well as the ensuing loss provisions, contained in property insurance policies are often complex and, at times, seemingly in conflict. Although a policy may not directly address these theories, their application by courts plays a significant role in the coverage determination process after the claim. It is essential that brokers understand the primary theories of recovery – Efficient Proximate Cause, the Concurrent Causation Doctrine, and the Anti-Concurrent Causation Doctrine – in order to navigate the challenging post-claim process and effectively serve their clients.

Property, Property & Casualty

Top 10 Misconceptions About Placing California Earthquake Insurance Coverage

07/24/18

​One of the biggest misconceptions regarding California Earthquake coverage is that it is a straightforward and elective coverage. With the lowest frequency in the CAT space, this peril is often misunderstood. However, one large event with subsequent aftershocks could result in significant losses. We have compiled a list of the top 10 misconceptions about placing CA Earthquake coverage which can help you understand this peril and what is truly being offered.

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.

Property, Property & Casualty

Understanding Catastrophic Event Property Deductibles

05/17/18

Catastrophic event property deductibles (“CAT deductibles”) differ from traditional property insurance deductibles in that they result in significantly higher out-of-pocket expenses for the policyholder for specific perils. Policy wording is crucial to determine the potential financial impact of these high deductibles. This article discusses the three most popular forms of CAT deductibles and how you can protect your clients from substantial financial burden in the event of a CAT claim.

Property, Property & Casualty

Storm Event: When Multiple Water Perils Intersect

04/24/18

When a storm event occurs, multiple perils often intersect, creating a very challenging environment for a policyholder to prove their loss. Whether these perils are insured by an insurance policy, and if so to what extent, depends on the terms, conditions, definitions and exclusions in the policy. This article discusses the difference between wind-driven rain and rising water, the broad impact of using wind-driven water verbiage, and the importance of clear policy wording concerning water perils.

Property, Property & Casualty, Small Business

Insurance Commissioner Orders Carriers to Pay for Mudslide Damages

03/22/18

The Thomas Fire, the largest fire in California's history, subsequently led to a mudslide on January 9, 2018, which caused a massive amount of damage in Santa Barbara and Ventura counties. The California Insurance Commissioner has issued a formal notice reminding carriers to pay for damage, citing the "efficient proximate cause doctrine." This article takes a closer look at the doctrine and how it has been challenged in court over the years.

Property, Property & Casualty

State of the Property Market - Q3 2018

10/23/18

Even with catastrophic losses, the market remains stable – for now. Learn more in the Q3 2018 State of the Property Market report.

Construction, Property, Property & Casualty

Ordinance or Law Insurance Coverage

01/11/18

Ordinance or Law insurance coverage provides limited protection for costs associated with repairing, rebuilding, or constructing a structure when physical damage to the structure by a covered cause of loss triggers an ordinance or law. Compliance with ordinances and laws after a loss can add 50% or more to the cost of a claim. This article will help you educate your insureds on exclusions and limitations and help them take a proactive approach to their insurance program.

Property, Property & Casualty

AmWINS Exclusive Property Capacity

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.

Property, Property & Casualty

Coinsurance and Blanket Limits in Commercial Property Insurance

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.

Property, Property & Casualty

Insurance-Linked Securities: Providing Capacity to Catastrophe Risks

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

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

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.

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.