Property

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

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Property Expertise

While AmWINS is the top property wholesaler in the U.S., it's not just because of the $5 billion in property premium that we place annually. Our brokers:

  • Are specialists in commercial and habitational real estate, hospitality, construction/inland marine, transportation, energy risks, public entity and CAT-driven schedules
  • Access the latest modeling and risk control resources
  • Access professional claims consulting
  • Participate in a network of property practitioners who collaborate on risks and draw on the team’s vast network to provide solutions for our clients.
  • Have strong relationships at all levels with our carriers

 

Exclusive Property Products

As the leading property broker, AmWINS is constantly working 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. These products deliver our clients with exclusive capacity affording them a distinct advantage over their competitors.

This exclusive capacity includes an in-house binding facility (AmWINS Special Risk Underwriters) for all risk property CAT specializing in multi-family habitational, builders risk, franchise restaurants, Florida condominiums, and more.

 

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

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:

  • Customized program development
  • Catastrophe modeling studies
  • Development of proactive risk management strategies

Areas of Specialty

All Risk Property

Auto Physical Damage Insurance

Builder's Risk

Boiler + Machinery Insurance 

Cargo Insurance

Dealers Open Lot Insurance 

Difference in Conditions

Earthquake Insurance

Flood

HPR / Engineered Risk Insurance 

Motor Truck Cargo Insurance 

Terrorism Insurance

Wind Insurance

Recent Insights

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, 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?

03/19/19

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

03/19/19

​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, Property, Property & Casualty

The 2019 Market: Changes are Coming

03/06/19

As we head deeper into the first quarter of 2019, one thing is clear: changes are coming to the insurance marketplace that buyers and brokers alike will experience as the year progresses. Carriers are feeling pain, not just in commercial auto and problematic property sectors, but across many other areas of property and casualty as well. This is leading to a reaction that we’ve already begun to see and that was recently highlighted at the 2019 Wholesale & Specialty Insurance Association (WSIA) Underwriting Summit.

Casualty, Property, Property & Casualty, Small Business

Perils and Pitfalls of Insuring Short-Term Vacation Rentals

02/19/19

​When the housing market crashed in the 2008, many people turned their secondary homes into income-producing properties. The need for specialized insurance for short-term vacation rentals was recognized with the introduction of online booking websites such as AirBnB. However, standard homeowners insurance policies provide minimal coverage for business activities in the home. This article identifies potential coverage gaps and how rental endorsements can address these coverage issues.

Property, Property & Casualty

ILS & London Performance Management

01/24/19

Changes in the alternative capital space and the London marketplace raise the stakes for retailers. In the Q1 update, our experts discuss the global reinsurance market and how to be well positioned to make use of alternative capital as well as how performance management at Lloyd's could impact capacity in 2019.

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, 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.

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.

Property, Property & Casualty

How Parametric Products Benefit Catastrophe-Driven Risk Transfer

09/18/18

Parametric insurance is an innovative product that functions differently than traditional insurance. Unlike a traditional insurance policy, there are many levers to pull in designing a specific parametric product for an individual insured's needs. These levers afford the opportunity and flexibility to provide a menu of options at many different price points, often providing a more competitive product than is available in the traditional market. Learn how parametric products play a major role in catastrophe-driven risk transfer.

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.

Property, Property & Casualty

Understanding Property Theories of Recovery and Ensuing Loss Clauses

08/16/18

​The theories of recovery, as well as the ensuing loss provisions, contained in property insurance policies are often complex and, at times, seemingly in conflict. Although a policy may not directly address these theories, their application by courts plays a significant role in the coverage determination process after the claim. It is essential that brokers understand the primary theories of recovery – Efficient Proximate Cause, the Concurrent Causation Doctrine, and the Anti-Concurrent Causation Doctrine – in order to navigate the challenging post-claim process and effectively serve their clients.

Property, Property & Casualty

Top 10 Misconceptions About Placing California Earthquake Insurance Coverage

07/24/18

​One of the biggest misconceptions regarding California Earthquake coverage is that it is a straightforward and elective coverage. With the lowest frequency in the CAT space, this peril is often misunderstood. However, one large event with subsequent aftershocks could result in significant losses. We have compiled a list of the top 10 misconceptions about placing CA Earthquake coverage which can help you understand this peril and what is truly being offered.

Casualty, Property, Property & Casualty, Public Entity

State of the Public Entity Market

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.

Property, Property & Casualty

Understanding Catastrophic Event Property Deductibles

Catastrophic event property deductibles (“CAT deductibles”) differ from traditional property insurance deductibles in that they result in significantly higher out-of-pocket expenses for the policyholder for specific perils. Policy wording is crucial to determine the potential financial impact of these high deductibles. This article discusses the three most popular forms of CAT deductibles and how you can protect your clients from substantial financial burden in the event of a CAT claim.

Property, Property & Casualty

Storm Event: When Multiple Water Perils Intersect

When a storm event occurs, multiple perils often intersect, creating a very challenging environment for a policyholder to prove their loss. Whether these perils are insured by an insurance policy, and if so to what extent, depends on the terms, conditions, definitions and exclusions in the policy. This article discusses the difference between wind-driven rain and rising water, the broad impact of using wind-driven water verbiage, and the importance of clear policy wording concerning water perils.