Professional Lines

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

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Professional Lines Expertise

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 nearly $775 million in premium.

 

Proprietary Products

As a leading professional lines broker, AmWINS is constantly looking 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. With these products, retailers gain 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.

 

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

We provide our retail partners with the enhanced coverage benefits necessary to build lasting relationships with their clients. As part of our broad professional lines coverage solutions, we offer a suite of extended consultative services relating to:

  • Liability risk management
  • Claims advocacy
  • Placement strategy
  • Market selection
  • Form review
  • Risk differentiation
  • Strategic program structure

Areas of Specialty

  • Crime, Fiduciary, Kidnap + Ransom
  • Cyber Liability
  • Employment Practices Liability
  • Management Liability (D&O)
  • Medical Malpractice/Allied Medical
  • Professional Liability
  • Transactional Risk (Reps + Warranties)

Recent Insights

Casualty, 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, 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, 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.

Cyber Liability, Professional Lines, Property & Casualty

Understanding Social Engineering Schemes to Mitigate Risks

02/19/19

Social engineers exploit human emotions, rather than using sophisticated software or hacking technology, to bypass the most iron-clad security measures. In the second part of our Social Engineering series, we identify examples of schemes employed by social engineers and how to design and implement comprehensive security practices to mitigate the risk of a loss.

Cyber Liability, Professional Lines, Property & Casualty

Social Engineering: An Increasing Risk That Requires Increased Coverage

01/24/19

Increased regulations have made pure technological cyber-attacks more difficult and costly, causing cyber criminals to shift their focus to social engineering. Although traditional commercial crime policies contain a computer fraud and funds transfer fraud insuring agreement, courts have generally held that claims arising from incidents where the insured voluntarily transfers funds – many of which arise from social engineering – are not covered. This article examines key court rulings and how to fill in potential coverage gaps.

Professional Lines, Property & Casualty

Ego D&O: Moral Hazards in the Age of Social Media

12/11/18

​With rapid expansion of social media and blurring of company officers' personal and official personas online, the D&O risks for companies have grown significantly. This article examines the fallout from Elon Musk's infamous tweet about Tesla stock to illustrate how an officer's social media presence is a potential risk factor. With the market at a critical juncture in the underwriting of D&O coverage, this article also provides insight into essential risk management components.

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.

Manufacturing, Marine and Logistics, 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.

Cyber Liability, Professional Lines, Property & Casualty, Transportation

Top 10 Cyber Risks Facing the Transportation and Logistics Industry

​Every industry has exposure to cyber risks, including transportation and logistics. While these industries worked from paper and wheels for many years, now there are both internal and external networks that are critical to operating in this industry group. This article discusses the unique cyber risks facing the transportation and logistics sector, coverages to address these threats, and proactive cyber risk management tools.

Casualty, Professional Lines, Property, Property & Casualty

Claims Reporting: Better Late than Never?

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.

Cyber Liability, Energy, Professional Lines, Property & Casualty

Cyber Liability in the Energy Space: Critical Coverage for Critical Assets

In 2018, companies within the energy sector rely heavily on technology to perform daily operations. With this increased connectivity comes increased cyber risk. As threats continually evolve, it is virtually impossible to adequately prepare for every type of cyber-attack; however, appropriate insurance coverage can play a key role in mitigating risk. This article discusses energy-related claim trends and the value that Cyber Liability policies can add to your coverage offering for energy risks.

Professional Lines, Property & Casualty

The Professional Services Exclusion: A Cautionary Tale for D&O Insureds

A professional services exclusion is found in most private company D&O policies, as well as in D&O policies issued to publicly traded companies that provide professional services, such as banks and financial advisory firms. Seemingly minor differences in the wording of the exclusion's policy terms have caused numerous claim denials. Learn what you can do to protect against insureds being caught by surprise by a carrier's denial based on an expansive reading of an exclusion.

Construction, Cyber Liability, Healthcare (P&C), Professional Lines, Property & Casualty

State of the Professional Lines Market - Q3 2019

07/30/19

Conditions vary widely across a diverse professional liability insurance sector, heightening the importance of having a partner that understands the marketplace. Our Q3 update addresses the latest issues in the professional lines space and the potential impact on your business.

Professional Lines, Property & Casualty

Employment Practices Liability in the Age of #MeToo

In 2017, the issue of sexual harassment – especially in the workplace – gained greater awareness as accusations of harassment by high-profile individuals were constantly in the news. In many cases, sexual harassment lawsuits seriously impacted businesses and their respective insurers. Employment Practices Liability Insurance not only provides protection against employee lawsuits, but can also help your clients mitigate their sexual harassment risks.

Cyber Liability, Professional Lines, Property & Casualty

Data Breach Trends from AmWINS Brokerage

Cyber risks are continually evolving and AmWINS Professional Lines practice is dedicated to helping you understand the risk and find insurance solutions to mitigate those risks.

Cyber Liability, Professional Lines

Cyber-Crime and Social Engineering Insight from AmWINS Brokerage

As Cyber exposures continue to evolve, it is increasingly important to understand the risks, the potential costs and which type of insurance policy responds.

Healthcare (P&C), Professional Lines, Property & Casualty

How To Protect Your Clients From Evolving Healthcare Regulations

The False Claims Act (FCA) is a law that imposes liability on persons or companies who have defrauded government programs and is the primary litigation tool used in combating fraud against the government. These tips and trends will help you navigate the changing healthcare landscape under the FCA.

Professional Lines, Property & Casualty

Is Your Insured’s Website Compliant with the Americans with Disabilities Act?

Recent court rulings, have extended the Americans with Disabilities Act (ADA) to apply to websites that are ‘heavily integrated’ with and serve as a ‘gateway’ to a physical stores/services. As a result, companies are now finding themselves targets for ADA claims based on the inaccessibility of their websites and media by those who are disabled. Learn how you can protect your clients.

Cyber Liability, Professional Lines, Property & Casualty

Don't Let Ransomware Make You "WannaCry"

Hit by Ransomware...now what? The incidence of ransomware attacks continues to climb and organizations of all types and sizes need to know what to do when an infection occurs.

Manufacturing, Professional Lines, Property & Casualty

Manufacturers E&O: Coverage Beyond a Standard Policy

The manufacturing industry contributed to over 12% of the U.S. economy in 2015, and this number is expected to increase. While new growth in production and sales is a positive development for businesses, it may also open the door to an elevated and often misunderstood insurance risk: financial damages not caused by bodily injury or property damage.