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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, Property, Property & Casualty, Small Business

Insurance Impact of COVID-19 on Short-term Rentals and Transportation Network Platforms

11/10/20

​The pandemic has had a profound impact on the hospitality and service industry. This also extends to aspects of the sharing economy including short-term vacation rentals and transportation network platforms. This article takes a closer look at COVID-19’s impact on these platforms and insurance coverage implications that retail agents should be aware of.

Property, Property & Casualty

How to Overcome a Loss with an Emergency Response Plan

11/10/20

When your client's business has suffered a loss, so much of how they respond afterward is predicated on how well they've prepared prior to it occurring. Emergency response preparation is invaluable in the event of an unforeseen loss.​ This article offers questions to ask your clients and tips to develop an effective response plan.

COVID-19, Construction, Energy, Property, Property & Casualty, Real Estate

State of the Property Market - Q3 2020

10/20/20

The current Property market is not what most would consider a “traditional hard market,” where demand exceeds supply. Despite a strong capital position, most of the property market continues to harden at an increasing rate. In addition to the usual drivers, several new or heightened factors are affecting the market. Our Q3 State of the Property Market report examines these issues as well as impacts across several industry segments.

COVID-19, Casualty, Construction, Emerging Risks, Energy, Property & Casualty, Public Entity, Transportation

State of the Casualty Market - Q3 2020

10/20/20

With capacity continuing to constrict, especially in the higher excess layers, the casualty market presents many challenges to buyers. These market conditions, which are often driven by claims, are expected to continue for at least 18 months. Our Q3 State of the Casualty Market report examines these issues as well as impacts across several industry segments.

Casualty, Property & Casualty

Commercial Umbrella - Standalone or Follow Form?

09/16/20

​​​​Umbrella or Excess; Stand Alone or Follow Form. These may seem like common terms in our industry, but do you really know the difference? This article takes a closer look at various Umbrella policies, debunks common misconceptions and helps you determine which is best - before a claim is denied.​

Casualty, Environmental, Property & Casualty

PFAS: The Risk of Forever Chemicals to Manufacturers, Distributors and Municipalities

09/16/20

​Do you know what PFAS are? Did you know that they can cause health issues and that you're likely exposed to them every day in household items and drinking water? This article explores the world of PFAS, including government regulations, exposures and coverages for the businesses and municipalities at risk for lawsuits or remediation costs.

Property, Property & Casualty

2020 Natural Disasters: AmWINS Special Report

08/24/20

In true 2020 fashion, this week is shaping up to be a historic weather event with Tropical Storms Laura and Marco headed for the Gulf. Numerous catastrophic events combined with the precarious economic environment continue to impact market conditions. AmWINS is on your team, especially now. This special report provides claims resources and market insights.

Casualty, Marine and Logistics, Property & Casualty, Transportation

Unpacking Warehouse Legal Liability

07/28/20

Warehouse Legal Liability is a complicated line with many gray areas and multiple interpretations of its coverages. This article discusses coverage triggers, legal vs. contractual liability and the importance of warehouse receipts.

COVID-19, Casualty, Property, Property & Casualty, Small Business

5 Strategies for Successful Small Business Renewals During COVID

07/21/20

In the current economic climate, many small businesses are struggling and some may even fail. Despite these challenges and the continued hardening market, there is opportunity for retailers to write and retain business. This article provides guidance on navigating the complex small business marketplace and helps retailers fine tune their understanding of what insurable risks will look like over the next 12 to 24 months.

Casualty, Manufacturing, Product Recall, Property & Casualty

What Product Recall Insurance and Risk Mitigation Plan Is Right for Your Clients?

07/21/20

​Product recalls are one of the most damaging events a business may encounter. In order to effectively respond to an incident, companies must be prepared with proper risk management strategies. As policy wording varies, it's also critical to ensure your clients have the right policy type in place to appropriately address their first- and third-party exposures.

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, Emerging Risks, Property, Property & Casualty

Lloyd's CEO and Property 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 Property underwriters on how they view the pandemic's impact both the Property sector and their syndicate's business.

COVID-19, Casualty, Emerging Risks, Property & Casualty

Lloyd's CEO and Casualty 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 Casualty underwriters on how they view the pandemic's impact both the Casualty sector and their syndicate's business.

Property, Property & Casualty

Flood 101: What to Know About Standard Flood Insurance

04/28/20

Ninety-eight percent of all United States counties were impacted by a flood event in 2018, yet many property owners remain unaware of their true risk of flood or what their existing policies cover. This article highlights key statistics about flood risk and outlines the differences between the National Flood Insurance Program and private market flood insurance.

COVID-19, Construction, Emerging Risks, Property, Property & Casualty

Top COVID-19 Issues Impacting Builder’s Risk Insurance

04/15/20

The COVID-19 pandemic is causing historical disruption to the construction industry. These changes mean that risk mitigation strategies need to be implemented or revisited, policy language should be reviewed, and carriers should be apprised of all changes at the work-site. In this article, AmWINS specialists examine the major areas of concern for Builder’s Risk insureds, including government-mandated shutdowns, supply chain-driven slowdowns and policy wording that could limit coverage, and provide guidance for retailers to achieve the best results for their clients.

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.