Standard Lines

From market access to direct access, Networked Insurance Agents offers independent agents the resources to win standard lines business.

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Preferred Market Access for Commercial Lines, Workers’ Compensation & Personal Lines Account Needs

Networked Insurance Agents, a unique segment of AmWINS Access, is an aggregator, cluster and marketing network writing admitted business with preferred markets. Networked is appointed by leading standard carriers for commercial lines, workers’ compensation, personal lines and agribusiness. Members receive market access while maintaining 100% agency ownership and earning competitive, market dependent commissions without individual production volume minimums. Here is a summary of the broad appetite for business written by Networked’s affiliate members.

  • COMMERCIAL LINES | target of ‘main street’ business, middle market, and larger accounts 
  • WORKERS’ COMPENSATION | specialized market expertise for handling comp opportunities of any size
  • PERSONAL LINES | options to cover risks from individual monoline products - home, auto, umbrella - up to packages created for high-net worth households

 

Adding Market & Service Expertise – Networked Aggregation

With Networked, affiliates gain valuable market placement and policy support services.  For each risk, the account management team will execute a personalized marketing strategy by approaching the most relevant, competitive markets through established underwriter relationships. Each affiliate member is assigned a dedicated account manager to handle new business and renewals. Averaging nearly fifteen years of industry experience, Networked Account Managers offer comprehensive market knowledge across multiple product lines. Our professionally trained customer service staff handles the back office support for your in-force policies.  With Networked handling these tasks, your agency can focus on building client relationships and producing new business.

 

Maximizing Earnings – Direct Access Cluster

If your agency has the staffing resources and production volumes to maintain carrier appointments, you may be eligible to join our cluster membership organization, Direct Access Insurance Services. The cluster environment offers direct market access, plus the potential to maximize revenues with full commission from carriers that provide subcodes and generous profit-sharing based on combined production volumes.   Benefiting from the group’s overall competitive leverage, each cluster member can operate with the clout of a firm with $15.3B in premium.  

By partnering with AmWINS, our goal is to be your “one stop shop” and assist you in growing your book beyond Main Street business. For new excess and surplus lines risks, Networked affiliates work with their dedicated commercial lines new business account manager who will get to work finding the best possible non-standard markets.

Areas of Specialty

 
  • Commercial Package
  • Business Owners Package
  • Workers’ Compensation
  • Business Auto
  • General Liability
  • Umbrella
  • Homeowners
  • Personal Auto
  • Earthquake
  • Flood
  • Personal Umbrella
 

Recent Insights

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, Property & Casualty, Transportation

Success in the Sharing Economy Insurance Market

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, 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, Manufacturing, Product Recall, Property & Casualty

Understanding the FDA’s Mandated Recall Authority and Insurance Implications

03/19/19

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.

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.

Casualty, Construction, Property & Casualty

Four Key Additional Insured Endorsements for Contractors

11/13/18

Construction contract negotiations, which determine the kind and amount of insurance required for a construction project, can be time-consuming, complicated and frustrating. Project owners require contractors on a project to name the project owner as an additional insured on the contractor’s casualty insurance program. It's important that both project owners and contractors understand the coverage provided by these additional insured endorsements. This article discusses four common ISO additional insured endorsements related to commercial general liability policies purchased by contractors, including their limitations, conditions and exclusions.

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.