Professional + Financial Services

AmWINS has expertise in coverage for administrative services, professional services, finance and insurance, and management.

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Property + Casualty

As a leading professional liability insurance broker of financial, professional, and management risks, our nationwide team of experts works directly with retail agents and brokers to effectively address and mitigate risks with strategies that provide coverage for both company and personal assets.

In addition to a complete range of solutions for high-risk professional liability clients, we offer the benefit of binding authority in a number of E&S markets, making it simple to write and place coverage. Annually, we handle more than 50,000 submissions and place more than $914 million in premium. 

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London Expertise

As a company, we have built specialized solutions for unique problems, and our professional lines practice uses the expertise of our London-based colleagues at THB Group to market on behalf of our U.S. retail clients. This gives our retail partners the assurance that we are using the full resources within the AmWINS organization to solve their clients’ problems.

THB Group

 

Recent Insights

Cyber Liability, Professional Lines, Property & Casualty

Resource Spotlight: AmWINS’ Cyber Benchmarking Tool

10/20/20

Cyber-attacks and their severity and frequency are constantly evolving – with risks and expenses varying widely among industries. AmWINS’ proprietary cyber benchmarking tool assists in making policy limit purchasing decisions by analyzing data from thousands of cyber liability placements made by AmWINS brokers.

COVID-19, Cyber Liability, Professional Lines, Property & Casualty

State of the Professional Lines Market - Q3 2020

10/20/20

Professional lines has always been a diverse market, varying widely in capacity, pricing and underwriting appetite among the different segments. Today, difficult market conditions exist across most segments, as carriers struggle to adapt to new challenges and brokers work to replace lost capacity. The Q3 State of the Professional Lines Market report examines trends across several of these segments.

Cyber Liability, Professional Lines, Property & Casualty

COVID-19 Leads to Cybercrime Chaos

09/16/20

As working from home becomes the new norm, exposure to cybercrime has risen at an alarming rate; 300% according to the FBI. Personal home networks are much less secure than the organized network infrastructure used in offices. Learn more about the recent rise in cybercrime and how AmWINS' expertise and tailored cyber insurance products can help you protect your clients.

COVID-19, Professional Lines, Property & Casualty

Employment Practices Liability: #whatstrending

08/19/20

Employment practices liability (EPL) insurance in the U.S. marketplace has always been affected by social trends. This article explores the top factors influencing buyer behavior, product development and underwriting appetite associated with EPL coverage.​

COVID-19, Casualty, Construction, Group Benefits, Hospitality & Entertainment, Manufacturing, Professional Lines, Property, Property & Casualty, Real Estate, Small Business

On-Demand Webinar: COVID-19 Economic Impact and Future Outlook

05/15/20

As a result of the COVID-19 crisis, our industry is facing a broad array of challenges that impact insureds of every size and in every industry. In the first of a series of webinars, we hear from an economist on the financial impacts of COVID-19 and what we can expect in the future. This webinar is intended to complement your conversations with clients about how to plan for the next 12 to 24 months.

COVID-19, Cyber Liability, Emerging Risks, Professional Lines, Property & Casualty

Lloyd's CEO and Professional Underwriters Share COVID-19 Response and Market Update

05/11/20

This podcast features an update from John Neal, CEO of Lloyd’s, on the state of the Lloyd's market and their response to COVID-19 as well as a panel discussion with London Professional Lines underwriters on how they view the pandemic's impact both the Professional Lines sector and their syndicate's business.

COVID-19, Cyber Liability, Emerging Risks, Professional Lines, Property & Casualty

Professional Lines Challenges and Market Response During the COVID-19 Crisis

04/28/20

The COVID-19 crisis has created a rapidly changing environment for the Professional Lines market. With the uncertainty of how claims will develop and the potential for increased exposure, retailers must be proactive. In this article, AmWINS specialists share their insights on why this is more important now than ever, including reactionary underwriting trends, D&O policy exclusions and impacts to EPLI, as well as the threat for increased cyber attacks and crime losses.

COVID-19, Casualty, Emerging Risks, Marine and Logistics, Professional Lines, Property, Property & Casualty, Transportation

Mind the Gap: COVID-19's Impact on the Logistics Industry

04/15/20

The disruptive impact of the COVID-19 outbreak on supply chains is already having a pronounced effect on the world of logistics and logistics insurance. Port closures, demand surges and production shifts are requiring nimble response to keep up with change. This article arms insurance brokers with the information needed to understand the changes taking place and plan for what is likely to occur in the months ahead.

Casualty, Marine and Logistics, Professional Lines, Property, Property & Casualty, Transportation

State of the U.S. Logistics Insurance Market

04/10/20

For decades, the logistics insurance market has been considered a sub-market of the cargo or ocean marine market. However, the continual rise of e-commerce and its effect on the global supply chain has carved out a complex and expansive industry niche. This article provides insight into the various lines of coverage, the specialized underwriting approach, and rate surges within the U.S. logistics insurance market.

COVID-19, Casualty, Emerging Risks, Marine and Logistics, Professional Lines, Property, Property & Casualty, Transportation

Lloyd’s & the London Market’s Response to COVID-19

04/06/20

During the COVID-19 pandemic, Lloyd’s remains open for business and syndicates have successfully transitioned to working from home. However, there are notable changes in how the London market is approaching business. In this article, specialists from THB, AmWINS’ London broker, share their insight on consistent themes across the London Market as well as updates on various lines of business.

COVID-19, Casualty, Professional Lines, Property, Property & Casualty

COVID-19 Claims Advice

04/02/20

There have been a lot of questions regarding COVID-19, in particular about coverage and claims handling. This claims advice is intended to offer guidance to help our retail clients through these difficult times.

COVID-19, Casualty, Emerging Risks, Healthcare (P&C), Professional Lines, Property & Casualty

Insurance Impacts of COVID-19 on the Healthcare and Senior Living Industry

07/09/20

As the healthcare industry remains on the front lines of battling the COVID-19 pandemic, staying abreast of the changing landscape and how the insurance market is adapting is critical to ensure new exposures are covered and renewals are successfully placed. In this article, our specialists share what they are seeing in the Healthcare and Senior Care markets, tips for risk control and mitigation, and how to get the best results for insureds.

COVID-19, Casualty, Cyber Liability, Emerging Risks, Environmental, Professional Lines, Property, Property & Casualty, Workers' Compensation

COVID-19 – Are Your Clients Covered?

03/19/20

The disruption to business and everyday life caused by the coronavirus (COVID-19) pandemic is resulting in an economic impact for insureds. Much of this disruption is likely not covered by insurance. We have consulted with several AmWINS insurance specialists across the Property, Casualty and Professional Lines sectors and offer a COVID-19 update.

Construction, Professional Lines, Property & Casualty

How to Protect Contractors from Economic Loss in Construction Projects

12/17/19

​While the inherent risk of bodily injury and property damage exists each time a contractor begins a project, the economic loss exposures are not always as apparent. The increase in the number of construction projects in the United States, coupled with the expanding roles and responsibilities of contractors, has created a perfect storm of exposure to economic losses for contractors within the construction sector. This article examines the Professional Liability policies available for contractors and how they would respond in common claims scenarios.​

Cyber Liability, Emerging Risks, Professional Lines, Property & Casualty

A Budding Market: Professional Lines Opportunity in The Cannabis Sector

12/17/19

​Given the rapid growth and the normalization of cannabis as an industry, various operations throughout the cannabis distribution chain continue to face unforeseen financial exposures. This article addresses these exposures and four key areas of professional lines coverage that retail agents should access to ensure that they are offering a complete portfolio of protection to their clients within the cannabis industry.​

Emerging Risks, Professional Lines, Property & Casualty

Modernized Disgrace Insurance Addresses "Bad Behavior" in the Internet Era

Having a superstar personality associated with a brand can create buzz and drive revenue. However, high-visibility individuals can also come at a high unintended price if their misbehavior creates a public scandal. This article examines modern disgrace insurance and how social media has created the need for a product that differs from traditional management liability and legacy products to help companies manage celebrity risk.

Emerging Risks, Professional Lines, Property & Casualty

Disgrace Event Claim Scenarios

Disgraceful behavior incidents by celebrities and entertainers are at an all-time high and can be costly, both financially and reputationally, to the consumer brands, sports teams or production studios that employ them. These scenarios of recent disgrace events provided by SpottedRisk, creators of the modern Disgrace Insurance product, that illustrate how a claim would have been triggered under this product.

Casualty, Emerging Risks, Professional Lines, Property, Property & Casualty

From Seed to Sale: The Top 5 Issues Impacting the Cannabis Insurance Industry

​Over the last few years, the legal cannabis industry has seen rapid growth and had a significant impact on the U.S. economy. With states continuing to legalize its use, insurance needs for cannabis-related businesses are becoming a popular topic of discussion. This article examines the evolving cannabis industry by exploring five key issues impacting coverage.

Casualty, Construction, Professional Lines, Property, Property & Casualty

A Bird’s-Eye View: Insuring Drones in the Construction Industry

The use of drone technology in the construction industry can revolutionize the lifecycle of a project and provide a contractor with a competitive edge. With the significant increase in the usage of drones, it's important that contractors employ sound risk management strategies and analysis in order to protect their business. This article explores the benefits of utilizing drone technology, associated risks, and legislative issues, as well as insurance coverages to consider.

Casualty, Professional Lines, Property, Property & Casualty

Identifying Anti-Stacking Provisions in Policy Language

​Anti-stacking provisions are designed to ensure that an insurance company will not apply multiple sets of limits to a single loss event. These provisions can have a significant impact on claims and may be designed for application to intra-policy and inter-policy loss events as well as deductibles. Through various examples and scenarios, this article explains what anti-stacking provisions are, how to identify them in a Property, Casualty or Professional Lines policy, and what they mean to policyholders.