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

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

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

03/30/20

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.

Casualty, Property & Casualty, Public Entity, Workers' Compensation

Statute of Limitations Changes Cast a Shadow on Public Entities

03/19/20

​Public entities are facing a climate of change as the market continues to harden and insureds are faced with double-digit rate increases in property and liability. Contributing to this disruption are statute of limitation changes for sexual abuse victims, which have extended or removed the time limit for which a victim can file a claim. This article examines the impact of increased claim activity and discusses considerations that need to be made to better manage costs during this time of uncertainty.​

Casualty, Professional Lines, Property, Property & Casualty

Inside Tips on Navigating the Lloyd’s Claims Process

01/28/20

​The claims process can be long and complicated, particularly in the London market, where syndicates operate under the Lloyd’s of London corporate “umbrella.” AmWINS’ London broker, THB Group, handles over $1 billion in claim payments through their award-winning claims team. In this article, THB’s Director of Claims Iain Lebbell explains the role of the London broker and how to navigate the complex claims process at Lloyd’s in order to achieve the best results for your insureds.

Casualty, Construction, Property & Casualty

Benefits and Challenges of Using Controlled Insurance Programs in Construction Projects

01/28/20

​The use of controlled insurance programs (CIPs) in construction projects has become increasing popular in both the private and public sectors. CIPs provide insureds with many advantages, including streamlined risk management in projects where it would otherwise yield insufficient, inconsistent, or redundant insurance coverage. This articles examines the advantages and disadvantages of CIPs, OCIPs and CCIPS and when its makes sense to utilize them for your clients.

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

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

09/19/19

​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, Marine and Logistics, Property & Casualty, Transportation

Freight Forwarders: Complex Services with Complex Coverages

08/20/19

The term “freight forwarder” doesn’t have a singular definition; rather, freight forwarders are identified by the services they provide and the geography in which they operate. Coverage for Freight forwarders is equally complex and includes numerous coverage forms to account for all types of exposures. This article details the various types of freight forwarders, how the services they provide can impact coverage needs, and key factors to consider when working with a carrier or MGA partner.

Casualty, Marine and Logistics, Property & Casualty, Workers' Compensation

5 Questions About Longshore Claims You’re Afraid to Ask

08/22/19

The complicated nature of claims filed under the United States Longshore and Harbor Workers' Compensation Act can create confusion and frustration among employers. In this article, the Director of Claims at The American Equity Underwriters, an operating company within AmWINS Underwriting, addresses some of the more sensitive questions related to fighting or denying claims.

Property, Property & Casualty

A Changing Mindset - Three Parametric Case Studies

08/22/19

Could parametric insurance help narrow the insurance coverage gap? These case studies provided by Lloyd's risk insight team examine the need for a product that provides effective coverage with transparent claims service and automated responses to customer loss. With data indicating that a large percentage ($162.5bn in 2018) of global economic losses derived from natural catastrophes in the past 10 years were uninsured, the concept of “staying afloat" versus being “made whole" appears to be gaining popularity. Learn how parametric insurance can help manage risks ranging from earthquake damage to market volatility.

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

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

08/22/19

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, Construction, Product Recall, Property & Casualty, Public Entity, Transportation

State of the Casualty Market - Q1 2020

02/20/20

There are few exceptions to the hardening market faced by casualty buyers, and conditions are expected to last through the first half of 2020 and potentially beyond. In this quarter’s article we examine many facets of the current casualty market and the potential impact on your business.

Casualty, Property & Casualty, Real Estate

The Value of a Self-Insured Retention for Habitational Insureds

06/18/19

​As the market for habitational casualty insurance continues to harden, both primary and excess carriers are being more selective, raising prices and attachment points, and are increasingly unwilling to consider risks with claim-frequency issues. Given these conditions, insureds can potentially reduce their claims expenses by moving from a deductible to a self-insured retention (SIR) program. This article explains how an SIR works, the types of insureds that can benefit from taking control of their claims management, and the benefit of partnering with a TPA to handle the administrative component.

Property, Property & Casualty

Convective Storm and Expanded Weather Deductibles

06/18/19

​As a result of significant storm-related losses in recent years, insurance companies are obligating policyholders to take on increased risk-sharing of storm losses via deductibles. In addition to the storm deductible categories of named storm, hurricane, flood, and wind/hail, policyholders must now contend with the newer convective storm deductible. This article explores the definition of convective storms, the importance of clear policy wording in the application of storm deductibles, and understanding specific risk concerns by location.

Casualty, Professional Lines, Property, Property & Casualty

Identifying Anti-Stacking Provisions in Policy Language

05/16/19

​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.

Casualty, Emerging Risks, Hospitality & Entertainment, Property & Casualty, Real Estate, Transportation

How to Navigate Insurance Coverage in the Age of Uber, Airbnb and the Sharing Economy

05/16/19

​The explosive growth of the sharing economy – businesses offering goods and services through digital platforms that match consumers and providers – presents tremendous opportunity for retailers to market insurance and risk management services to a new breed of businesses. However, the regulation of shared-services is complex, continuously growing and can vary at the state and local level. This article provides insight into the regulations and laws impacting insurance for this industry and key questions to ask when considering the right insurance program for your sharing economy customers.

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

The Importance of Shipper’s Interest Coverage Under a Freight Forwarder’s Policy

06/18/19

As the U.S. economy continues to move forward, one of the fastest-growing industries is Logistics and Freight Forwarding. With more and more Freight Forwarding startups entering the space, it is becoming a highly competitive environment. Added services, such as Shipper’s Interest policies, can be a key differentiator and competitive advantage for a forwarder. This article provides insight into the benefits of offering a Shipper’s Interest policy and how it differs from a Cargo policy and other essential coverages.

Property, Property & Casualty

Causation and its Implications in First-Party Insurance

04/25/19

Causation can play a key role in determining whether a claim is approved or denied, particularly as it relates to commercial property insurance coverage. According to the doctrine of efficient proximate cause, if a covered peril sets in motion a chain of events, the loss is covered. This article examines various concepts regarding causation and their implications, as well as the concurrent causation doctrine adopted by states that do not follow the doctrine of efficient proximate cause.

Property, Property & Casualty, Real Estate

Loss of Income: Is Depreciation a Continuing Expense?

When a company suffers a loss to a fixed physical asset, such as when a fire damages a building, the insured may incur an interruption to their business which can result in the loss of income and the incurrence of expenses. This article examines how Business Income and Rental Value Income losses in a Property policy may treat depreciation after the damage or destruction of a fixed physical asset, numerous factors that impact the treatment, and how to mitigate claim disputes.

Property, Property & Casualty

10 Issues Impacting Hurricane Insurance Coverage

​With another hurricane season just a few months away, now is the time for retail brokers to ensure that they are aware of policy elements and language that can have a significant impact on coverage in the event of a hurricane or named storm loss. This article examines key issues and challenges that may affect coverage and how to address them in order to achieve the best coverage solution for your client.

Casualty, Manufacturing, Product Recall, Property & Casualty

Understanding the FDA’s Mandated Recall Authority and Insurance Implications

In November 2018, the FDA released new guidance on how and why it will utilize its statutory power to mandate recalls under the Food Safety Modernization Act (FSMA). To adapt to the new requirements, companies face a financial burden related to improving technology and allocating appropriate labor. This article provides insight into the FSMA and the importance of an insurance policy that responds to government intervention and mandated recalls.