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

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.

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.

COVID-19, Casualty, Construction, Energy, Hospitality & Entertainment, Professional Lines, Property, Property & Casualty, Real Estate, Small Business, Transportation, Workers' Compensation

State of the Market - Q2 2020

06/15/20

Our Q2 2020 State of the Market report provides a holistic view of highly impacted industry segments as well as overall market trends. This report is designed to help our retailers gain the knowledge they need to retain accounts, write new business, overcome challenges and capitalize on opportunities that do exist.

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.

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

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

​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.

Property, Property & Casualty

A Changing Mindset - Three Parametric Case Studies

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

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.

Property, Property & Casualty

Convective Storm and Expanded Weather Deductibles

​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

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

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

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

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.