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 $4 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, Professional Lines, Property, Property & Casualty

State of the London Market

12/11/18

Over the past few years, the majority of open market underwriters have experienced a deterioration in their loss ratios after years of market growth in a declining rating environment. While the management team at Lloyd's has taken a very strong and public stance on moving quickly to seek a solution, the outlook is not nearly as gloomy as has been portrayed in the media. This article provides a glimpse into Lloyd's sustainability strategy and the London market outlook for 2019.

Casualty, Construction, Property & Casualty

Four Key Additional Insured Endorsements for Contractors

11/13/18

Construction contract negotiations, which determine the kind and amount of insurance required for a construction project, can be time-consuming, complicated and frustrating. Project owners require contractors on a project to name the project owner as an additional insured on the contractor’s casualty insurance program. It's important that both project owners and contractors understand the coverage provided by these additional insured endorsements. This article discusses four common ISO additional insured endorsements related to commercial general liability policies purchased by contractors, including their limitations, conditions and exclusions.

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.

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.

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

State of the Casualty Market - Q3 2018

10/23/18

Casualty conditions continue to vary widely, while the usual suspects remain a challenge. Learn more in our Q3 Casualty State of the Market report.

Casualty, Property & Casualty, Transportation

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

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

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

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, Property, Property & Casualty

Share, But Be Aware: Growing Up with the Sharing Economy

In today's sharing economy, millions of people rely on strangers to provide services and goods to them through various online platforms, such as Uber. Sometimes, however, problems can arise within the corporate structure of the sharing platform itself or arise out of the exchange. As a result, adequate insurance is an important consideration for those who wish to engage in the sharing economy.

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.