Market Insights

When a Tenant Complaint Is a Claim and When It Isn’t

Regulatory complaints may feel like routine paperwork, but they can carry significant insurance implications. Learn why it’s important to work with a partner like Amwins to clarify expectations and encourage clients to err on the side of early reporting.

MGA Marketplace Update

The MGA sector remains one of the most active parts of the insurance market. MGAs that combine disciplined underwriting, strong data capabilities and thoughtful capital partnerships will be best positioned to succeed. As competition increases, execution and consistency will matter more than growth alone.

Q4 2025 Economic Overview Presented by Amwins & Prestige Economics

U.S. economic growth has been strong, although the labor market has softened and inflation remains elevated. The positive expansion in Q3 2025 GDP by 4.4% was driven by positive contributions in consumption, net exports and government spending. Relatively high interest rates and high real estate prices continue to hold back the housing sector. However, falling interest rates are likely to bolster sales and prices in 2026 and 2027. Personal spending was up in Q3 2025 by 5.4% year on year, which is a solid pace. This pace of consumer demand is likely to support growth, even if labor market data remain mixed and payrolls slow further.

State of the Market 2026 Outlook: Small Business and Personal Lines

The small business and personal lines sectors enter 2026 in a more stable position. Following several years of disruption and rate escalation, market conditions have begun to normalize.

State of the Market - 2026 Outlook

This State of the Market report features expert insights from Amwins professionals into the elements influencing these trends. It examines rate movements, capacity and evolving coverage across various industries, business lines and risk specialties in the United States, London and Bermuda.

State of the Market Report: A Focus on the Energy Marketplace

After two years of turmoil, the energy insurance market enters 2026 with a mix of renewed competition and selective underwriting discipline.

State of the Market - A Focus on the Healthcare Industry

Healthcare markets are showing selectivity, particularly in classes exposed to vulnerable populations or high-severity claims, while competition remains strong in more stable sectors.

Top Five Insurance Coverages for HOAs

Adequate coverage helps ensure HOAs can recover quickly from unexpected losses, maintain operations without interruption and continue fulfilling their obligations to residents.

State of the Market: A Focus on Public Entity

The public entity market has remained relatively stable in 2025, though challenges persist. Property competition is strong due to increased capacity, while accounts with large CAT exposures or high loss activity still face strict underwriting. Casualty capacity is steady, but social inflation, litigation and legislative changes continue to create pressure. Carriers are becoming more selective, using updated data and technology to manage risk. With evolving exposures and tight budgets, an experienced broker is essential.

Auto Dealers Market Gives Rise to New Challenges

The market has become increasingly complex. Higher valuations have raised borrowing costs and more frequent natural disasters are straining profitability and reshaping coverage needs.

How Healthcare Facilities Plan for the Unpredictable

Insuring hospitals and other healthcare facilities against natural disasters is both essential and nuanced. Roofing age, disaster response plans and business income contingencies all play a role in shaping insurability.

Autonomous Vehicles are Reshaping the Transportation Industry

For brokers and insureds alike, the evolving AV market presents both opportunity and uncertainty. Capacity is limited, but carriers are getting creative, moving toward more comprehensive, manuscript-style solutions that blend auto liability, products coverage and tech E&O.

Parametric Insurance: Can it bridge the FEMA gap?

Changes to FEMA and NFIP do not have to trigger uncertainty and doubt for public officials, or for the agents and brokers who advise them. Parametric insurance models offer a fresh alternative capable of closing funding gaps and transforming disaster recovery.

AWS Outage: Market Impacts and Coverage Implications

A recent AWS outage disrupted more than 100 services, highlighting the widespread reliance on cloud providers and the potential for systemic business interruption losses. As carriers reassess wording and exposure, insureds are encouraged to review their cyber policies and work closely with brokers to ensure coverage clarity.

The Product Recall Waiting Game

For years, the product recall insurance market seemed poised for rapid growth. Supply chain disruptions, evolving regulations and growing concerns around brand risk created the perfect backdrop for adoption, particularly among small and midsize manufacturers. And yet, the surge hasn’t come.

Identifying Abuse Coverage Options for Allied Health Providers

Abuse coverage is now among the most challenging lines to place in the healthcare sector. For allied health providers, especially those with pediatric, transport or residential exposure, where one-on-one interactions or unsupervised care are common, securing this coverage has become not only costly but often limited in scope and availability.

Navigating the Liability Capacity Crunch for Social Service Providers

The social service sector’s risk profile has always been challenging. However, recent developments have intensified the pressure. And as societal needs grow, these organizations face more risks than ever. Here's what you need to know to help your clients navigate the market and obtain the coverage they need.

Mitigating Risks Includes Following Systematic Safety Measures

Driven by new technology, stricter regulations and increased focus on sustainability, navigating the evolving landscape of auto recycling requires robust risk management. Here are some key safety strategies to help you mitigate risks they pose to your business.

Changing Risks Are Reshaping Abuse Coverage for Healthcare and Social Services

Abuse coverage in healthcare and social services is becoming increasingly difficult to secure as carriers scale back, exclusions widen and costs climb. Statute of limitations reforms, nuclear verdicts and other legal pressures are driving uncertainty and forcing more business into the E&S market.

Statute of Limitations Reforms are Reshaping SAM Liability Coverage

Many states have passed new legislation limiting or significantly broadening the statute of limitations for claims of childhood sexual abuse. Learn how insurers are responding and how you can help your clients better understand the potential vulnerability to suits on decades-old allegations.

Claims Made vs. Claims Made and Reported Policies – Why It Matters

Late reporting of claims is one of the most common reasons for claim denials. In this article we delve into why it’s important for insurance buyers to understand that the time allowed to notice a claim is not unlimited, but rather clearly specified in the policy form.

Virtual Care Adds to Coverage Complexity for Healthcare Companies

The virtual healthcare industry comes with its own set of unique complexities. Here we provide a holistic view of how technology and care delivery interact and offer insights into how to help clients eliminate potential gaps in coverage.

Liability Insurance Market for Senior Care Remains Fragmented

The market for senior care remains fragmented, experienced carriers are pulling back or holding firm on rates, while newer, less experienced entrants are undercutting price to gain market share. And, when you combine this increase in capacity with the number of facilities receiving flat renewals, carriers are having to lower prices to retain accounts.

What’s New in CAT Modeling

A lot of information goes into building CAT models, including new research on loss propensity by construction and occupancy type. While RMS version 23 has been out for a while, markets have only recently begun to make the switch.

Understanding Catastrophic Event Property Deductibles

A strong defense is a good offense, and the time to help your clients understand their exposures is before they find themselves in the path of a natural disaster. Learn more about the most popular forms of CAT deductibles here.

Watching the Winds – Severe Convective Storms Reshaping CAT Losses

While 2025 may not be a historic loss year yet, the early signals are there: more frequent, high-intensity SCS events are challenging loss budgets and exposing underwriting vulnerabilities. And as always, the market remains one major event away from another inflection point.

The True Cost of Flood Damage

A Balancing Act in the Real Estate Property Market

After several years of hardening, the real estate property market is experiencing welcome signs of rate relief in some segments. Deals are getting done, even in tough territories, as brokers tap into the broad market appetite and deploy creative program structuring.

Navigating Cyber Insurance for Vendor Agreements

Asking vendors and third parties to carry a cyber liability policy can help provide coverage for losses related but not limited to data breaches, ransomware attacks, phishing, social engineering, dependent business interruption, etc. Learn why a vendor’s traditional “off the shelf” cyber liability policy may not address any downstream risk or potential loss for your client.

CoverCap: An Amwins Exclusive Primary Property Coverage for Middle-Market Risks

Amwins recently launched CoverCap, an exclusive E&S solution providing primary property coverage for middle-market risks. This program is available exclusively through Amwins brokers and backed by AM Best “A” rated carrier partners. Get all the details here.

Q3 2025 Economic Overview Presented by Amwins & Prestige Economics

State of the Market – A Focus on the Transportation Industry

The current transportation marketplace is challenging to say the least. Insureds’ operating costs have continued to rise while freight rates and revenues have remained relatively stagnant. This is particularly true for trucking, where the impact of import tariffs and recent federal regulation changes are still largely unknown.

Beyond the Blaze: Why Casualty Risk in Clean Energy Is Entering a New Phase

As the renewable energy market matures, so too does its risk profile. Casualty exposures, once an afterthought to property or construction cover, are emerging as a defining concern for developers, underwriters and investors alike – particularly in the U.S.

Top 9 Insurance Considerations for Home Buyers

Buying a home can be a stressful and intense experience, especially for new home buyers. As a retail agent, this is a great opportunity for you to deliver value that exceeds simply placing an insurance policy. You can support your clients through the homebuying process and make sure they have the right coverage, when they need it.

Agriculture Market Update: Growing Challenges in a Shrinking Market

From dairy farms and produce distributors to large-scale operations moving hundreds of millions in products, the agriculture sector is facing a tough insurance market shaped by rising prices, reduced limits and mounting underwriting scrutiny.

When Small Contractors Face Big Claims

When claim activity increases, it’s often smaller insureds, those with limited internal resources or risk management practices, who are left most vulnerable. Understanding the risks and structuring policies appropriately on the front end can be the difference between smooth claims handling and major financial setbacks.

Wage & Hour Insurance: A Strategic Solution for Today’s Evolving Labor Risks

In the ever-shifting landscape of employment law, wage and hour compliance has transformed from a behind-the-scenes human resources concern into a front-and-center risk management issue. With new legislation, tighter regulations and a surge in employee litigation, large employers are finding themselves increasingly vulnerable.

State of the Market: Builder’s Risk Insurance H1 2025

The builder’s risk insurance market is feeling the effects of continued economic uncertainty, evolving risk profiles and historic increases in capacity. As we navigate the rest of 2025, developers and retailers alike should keep a close eye on both structural market changes and regional nuances. Carriers are becoming increasingly selective, gravitating toward high-quality risks and exercising caution in more challenging geographies and project types.

State of the Market: Construction H1 2025

The construction casualty market remains firm but fragmented midway through 2025. Stability in primary layers contrasts with tightening conditions in the excess space, particularly for accounts with fleet exposure or adverse loss histories. Primary coverage continues to benefit from consistent capacity and manageable pricing pressure. Excess underwriters are broadly seeking rate increases while carriers are pulling back on limits, tightening per-project aggregates and maintaining a firm stance on exclusions.

Real Estate and Hospitality Casualty Markets Face Challenges in Capacity and Rate

The casualty insurance marketplace continues to be driven by a host of challenges. Claims frequency and severity have propelled long-standing programs out of business and forced key E&S players to re-think their strategy in both the real estate and hospitality sectors. The similarities between the two don’t end there.

Training Wheels: Equipment Valuation

In this article, you will learn more about how increasing truck and equipment prices are impacting insureds, as well as what to expect in the coming months as interest rates and coverage restrictions face growing headwinds. We also provide you with access to additional valuation resources and share how you can help clients handle these challenges effectively.

Creating an Effective Insurance Submission

Your recycling business likely relies on insurance to protect its assets and operations, but taking a more active role in the submission process can make a meaningful difference. Understanding how underwriters evaluate risk helps position your business for stronger interest from insurers, potentially leading to more competitive terms, better coverage, and improved pricing.

The Risks of Employment Practices Liability

Employment practices liability (EPL) presents a growing risk exposure for businesses, managers, and leadership teams. Claim frequency historically rose during periods of workforce disruption, such as the 2008 recession, and may remain elevated as workforce expectations evolve and awareness of employee rights continues to increase. Understanding EPL and proactively addressing coverage and risk management is essential to protecting your organization.

Safe Fleets Start with Safe Drivers

Hiring, monitoring, and training acceptable drivers should be a priority for any operation managing a fleet of vehicles. Your drivers could have a major impact on your business if they damage your equipment or a customer’s property—or, worse, if they hurt themselves or someone else.

Evaluating Your Insurance Team

The recycling industry has unique exposures other business sectors rarely see, such as employees operating heavy equipment, customers and vendors visiting the work site, and a heavy volume of trucks transporting scrap on and off site. That’s why it’s crucial to work with claims professionals who have firsthand experience with recycling operations, years of interaction with the industry, and the specialized knowledge to defend recyclers’ interests.

Making Safety a Core Value

For years, ISRI has held safety as a core value and has captured that in the ISRI Environment, Health, and Safety motto “Safely, or Not at All.” Why is safety a core value? First, and most important, it’s the morally and ethically right thing to do—to make sure all the industry’s employees, customers, and the public we share the roads with go home safely to their families each day. Second, safety is good for business.

Contractual Risk Transfer: A Critical but Often Overlooked Risk Management Tool

Contractual risk transfer (CRT) is an essential risk management practice that companies often overlook—resulting in unnecessary loss retention.

Marine Protection & Indemnity Insurance – Overview and Coverage Concerns

P&I insurance, which is liability coverage for vessel owners, is subject to many exclusions and special conditions. Often, we see instances where the P&I insurer declines defense and indemnity in cases involving injuries to crew members. Here's a closer look at why.

A New Solution for Excess Casualty Capacity

As the insurance landscape continues to shift, the market is leaning on creative thinking and strong partnerships to keep pace with evolving risks. Amwins’ Excess Casualty Sidecar program is a competitive solution in a challenging market.

Key Considerations for Home Health Care Agencies

Home health care agencies face crucial coverage considerations. Here we offer questions to help serve as a guide to discussing potential liability gaps and the significance of additional insureds with home health care clients.

Doubling Down: The Importance of Cyber Security and Liability in Healthcare

As healthcare organizations have become increasingly digital, a layered insurance strategy is critical to protecting both operational integrity and organizational leadership. Here’s why.

The Differences Between General Liability and General Liability Wrap Policies

Choosing between a GL policy or an OCIP wrap depends on factors such as project scope, risk tolerance and cost. Learn more about potential advantages and drawbacks of both policies here.

Score an A+ with Your Educational Entity Clients

U.S. public schools play a pivotal role in the community yet can be exposed to several types of risk. These industry trends can help guide conversations with your education accounts.

Telematics Aren’t Surveillance, They’re Protection

Commercial fleets are turning to real-time vehicle tracking, electronic logging devices (ELDs) and onboard cameras to improve efficiency, safety and compliance. Here we look at the role this data plays in helping us better understand and manage risk.

Earth Movement Coverage – Going Beyond Earthquakes

Seismic events aren’t the only reason the ground gives way beneath our feet. In this article we focus on the broader and often more critical protection offered by earth movement insurance.

Q2 Economic Overview - Presented by Amwins & Prestige Economics

In this Overview we dive into global GDP growth expectations; consumer inflation rates; U.S. housing market interest rates, starts and building permits; and construction materials costs.

Tort Reform Picks Up Steam in the Southeast

Once considered too controversial to take on, tort reform has become a focal point in state legislatures across the U.S. This growing interest can be attributed to mounting concerns over the economic impact of litigation on both businesses and the broader economy. Here’s how some states in the Southeast are grappling with the challenge of balancing a legal environment conducive to economic growth while still holding the appropriate parties accountable for wrongdoing.

State of the Market: A Focus on the Environmental Insurance Market

The environmental insurance market remains stable, with a broad range of carriers actively competing in the space. The presence of new entrants continues to exert downward pressure on rates. For primary casualty lines, pricing generally ranges from flat to 10% increases, depending on the nature and size of the insured’s operations and location. Excess (XS) pricing trends similarly, except when XS auto coverage is included, where pricing can vary significantly based on operations, fleet size and composition, as well as venue.

Managing the Risks of Temporary Workers

As labor shortages persist, many scrapyards are relying on temporary workers to stay operational, but doing so introduces significant liability. Without proper training, oversight, and contractual protections, businesses risk costly injuries, lawsuits, and insurance complications.

State of the Market – Property Update H1 2025

The property marketplace has become extremely competitive, with carriers and MGAs alike heavily focused on account retention and premium growth. Program participants have been forced to quickly become more flexible with pricing, deductibles, terms, conditions and policy form as a result of meaningful amounts of capacity being offered by new carriers and MGA entrants – in addition to line size and appetite expansion from existing carriers and MGAs.

How Landlords Can Protect Against Habitability Claims

While it may not be possible to eliminate all exposure, landlords can mitigate their risks through proactive maintenance, diligent recordkeeping and clear lease terms.

Concerns About Sinking Structures Not Limited to Florida

Historically, subsidence has been a near-universal exclusion in property insurance policies. However, there is a high likelihood that earth movement will shift the property insurance landscape.

CGL Policies: The Preferred Choice for Comprehensive Coverage for Construction Project Owners

The flexibility and comprehensive coverage of a CGL policy make it a foundational element of risk management for businesses. Here’s why.

Looking Ahead to Hurricane Season 2025

According to the industry forecasts so far, we can expect a very active hurricane season this year. Last year’s biggest impacts were on Florida’s gulf coast and throughout Appalachia. This year, it’s predicted that a major landfall is more likely on Florida’s east coast – anywhere from Miami-Dade to Duval County – and along the Texas coast.

The Risk of Getting It Wrong: D&O and E&O

While D&O and E&O coverages serve different purposes, the complexity of real estate development means that claims often fall into gray areas, making it critical to have properly structured policies that work in tandem.

Why Manufacturers Need E&O Coverage

The U.S. manufacturing resurgence brings heightened risks from complex supply chains, technology integration, and evolving regulations. Strong errors and omissions (E&O) coverage is essential to mitigate these challenges.

The Coverage Gap You Can’t Ignore

With today’s evolving legal climate and the increasing size of awards, now is the time to have informed conversations with your clients about mitigating their exposure to punitive damages.

For Flood Risk, Location Matters

Unlike other perils, flood risk varies by neighborhood, city, state and even from house to house. Here’s why precise location matters and relying on flood maps alone won’t determine risk.

Property Market Capacity Remains Plentiful in Florida

Excess capacity within the state of Florida is up and there is a growing appetite for older construction not seen in the past five years. Learn what’s driving this increase in competition.

Change is good! Transitioning roles at AGR

Here at Amwins Global Risks, we’re proud of the opportunities we offer our team. Just like we do for our clients, we work with our employees to find a solution that’s right for them. Over the next couple of weeks, we’ll be sharing the stories of some of our team members who’ve stayed at Amwins and gone through a transition – whether it’s a new role or team, a new city or country.

The Evolving Role of Locum Tenens in Healthcare Insurance

Locum tenens have become an increasingly vital resource to the healthcare industry as its faced mounting staffing challenges in recent years. As the locum tenens market continues to expand, we spotlight comprehensive strategies to help mitigate risk.

What We Learned from the PowerSchool Data Breach

The PowerSchool data breach exposed the personal data of millions of students and teachers. Learn more about how vital vendor management and timely reporting are handled in cases like this.

Primary vs. Excess Flood Insurance: Key Differences and Considerations

Flood insurance is an essential safeguard for property owners and choosing the right option can significantly impact your clients’ financial protection in the event of a flood. While primary coverage provides essential protection, excess flood insurance plays a crucial role in mitigating financial risks.

For Professional Services Firms, Landmines Lurk in D&O Polices

D&O policies are designed to respond to claims made against directors and officers for wrongful acts committed in their capacity as such. Learn how to help your professional services clients avoid the field of exclusionary landmines placed by its insurer.

Semaglutides and GLP-1s: Their Impact on the Insurance Market

Weight loss treatments are here to stay and as treatments evolve, there is potential for a rise in claims. Explore how carriers are working to establish a firm foundation for underwriting weight loss drugs and treatments.

The Evolution of Excess/Side A DIC Insurance: Why Non-Profit and Private Companies Should Consider This Essential Coverage

Side A risk can arise in various ways, from legal constraints to strategic or reputational considerations. Here’s why securing a robust Side A coverage can help to ensure that directors and officers are not left vulnerable to personal liability.

Why Phase I Environmental Site Assessments Aren’t Enough

Learn more about what exactly a Phase I ESA is and, more importantly, what it isn’t. And delve into the reasons why new owners may not want to rely on the coverage and use it as legal defense in case of liability.

Affected by the PowerSchool Data Breach? Here’s what you need to know

On December 28, 2024, PowerSchool’s PowerSource customer support portal was accessed using compromised credentials, exposing the personal information of millions of students and teachers. Here's what you need to know if your clients were affected.

State of the Market - 2025 Outlook for Small Business and Personal Lines

This comprehensive State of the Market report presents expert analyses from personal lines and small business specialists on the factors shaping these market conditions. They provide critical insights into rate trends, capacity and shifting coverage patterns across the United States.

Amwins Global Risks hires industry veteran to head new practice area

Amwins Global Risks has announced the appointment of Gabriel Ewing as head of its new Transactional Risk practice in London.

State of the Market - 2025 Outlook

While some segments are seeing softening, others face the hardest market conditions in decades. In this State of the Market report, Amwins specialists share market intelligence spanning rate, capacity, and coverage trends across lines of business and industries.

How Cyber and Crime Insurance Policies Respond to Social Engineering

In today’s digital world, the prevalence of social engineering attacks continues to be a risk across industries. From title agents handling multi-million-dollar wire transfers to a small contractor virtually without a network, no sector is immune from the sophisticated tactics of cybercriminals. As these bad actors continually appear to be ten steps ahead of standard controls, traditional insurance policies struggle to keep pace with the evolving threats.

Did Hurricane Season 2024 Live Up to the Hype?

Predictions for this year’s hurricane season were considerably higher than in 2023 – forecasts projected 11 hurricanes, including five major hurricanes and 23 named storms. The season started off early, with Hurricane Beryl becoming the earliest category five hurricane to form in the Atlantic since 1920.

As the Sharing Economy Evolves, So Do the Risks

The precarious regulations on sharing economy brands pose significant questions as to the status of their workers – and the liability these brands hold when risk arises. Learn more about how Amwins can help you navigate this challenging market.

Managing Increasing Sexual Misconduct Liability Claims in Healthcare

In the medical professional marketplace, carriers are increasingly reducing or removing coverage for Sexual Misconduct Liability (SML). What was once a straightforward sublimit within a professional liability tower—or even a separate tower—now requires additional underwriting scrutiny for limits above $100,000.

Navigating the Complexities of the Agriculture Market

The current state of the agriculture insurance market is challenging. The market's volatility stems from a combination of hard market conditions, rising premiums and a reduction in available E&S coverage, leading to a situation where both insurers and insureds face significant challenges.

Top Catastrophe Claims Tips for Winter Storm Season

Severe weather can strike any season. Help your clients be prepared in the event their property is damaged during the winter months.

State of the Market Report: A Focus on the Energy Sector

The energy insurance market has undergone notable changes, with increasing stabilization in the downstream sector offering more favorable conditions for insureds. Renewals have started to reflect lower rates, despite ongoing challenges from natural catastrophes and rising claims. This shift is influenced by improved capacity and profitability among carriers, alongside strategic partnerships in navigating complex risks.

Marine Coverage: A Deep Dive into Today’s Marketplace

Existing marine writers have gained capacity in 2024, enabling them to look at larger and more complex schedules of equipment and increasing competition in the marketplace. At the same time, we have seen new entrants offering fresh capacity, beating incumbent rates and offering lower deductibles and more attractive terms and conditions – causing further disruption for established carriers.

Police Professional Liability: A Necessary Evolution in Security

As the need for well-trained, experienced security personnel grows, there’s been a noticeable shift towards hiring off-duty police officers instead of relying solely on traditional security guards. This transition reflects the growing need for personnel that have the proper training, arrest authority and the ability to handle complex security situations effectively.

Cannabis Beverage Boom Creates Uncertainty and Opportunity

Intoxicating hemp products aren’t new, but they have begun to increasingly flow through existing beverage distribution networks. In addition to retail, restaurants, and bars, even sports stadiums have started serving THC beverages alongside alcohol, creating a host of liability concerns and potential gaps in insurance placements.

Insurance Claims at Lloyd's – How Does it Work?

The claims process can be long and complicated, particularly in the London market, where syndicates operate under the Lloyd’s of London corporate “umbrella.” Amwins Global Risks is a Lloyd’s broker and one of the largest independent Lloyd’s broking operations, placing approximately 13% of all Lloyd’s U.S. premium.

Wildfire Insurance: Market Outlook, Claims Trends and Innovative Technology Shape the Sector

The wildfire insurance market is rapidly evolving due to the increasing frequency and intensity of wildfires. And with wildfires occurring more often in unexpected regions, insurers are reassessing wildfire zones across the country.

The Earthquake Insurance Market: What’s Next?

The earthquake insurance market is navigating a period of transition, moving from a phase of strict pricing and risk aversion to one marked by increased competition and opportunity. Understanding these emerging trends, regional impacts and future outlook is crucial.

Severe Convective Storms Continue to Challenge the Insurance Industry

The cost to address damage done by SCS is now almost on par with primary perils like hurricanes and earthquakes. In 2023, these storms dominated global insured losses, surpassing $50B in losses within the U.S. alone and making up nearly 60% of all insured losses. The trend has continued in 2024.

Shifting Dynamics in the Public Entity Casualty Market

The public entity casualty market is grappling with challenges stemming from evolving legal, technological, and actuarial factors, which impact liability exposures and market stability. Understanding these shifts is crucial for effective risk management and informed decision-making in this complex landscape.

Navigating Business Interruption Risks in the Age of Cyber Disruptions

In an age where cyber disruptions are more commonplace, it is becoming readily apparent how critical contingent business interruption and standard BI coverages are for safeguarding against the cascading effects of cyber outages. Effective BI policies and risk mitigation strategies could significantly reduce the financial impact of such disruptions, which have already resulted in billions in losses.

Highs and Lows of the Public Entity Property Market

In 2024, the property public entity market has seen significant relief, yet large catastrophic events and the demand for new entrants in the high excess space have led to an uneven playing field. Staying informed about data collection capabilities and emerging trends among new entrants is essential for making strategic decisions in this evolving landscape.

Top 5 Items to Consider in Healthcare M&A

Private equity (PE) investment in the healthcare sector has risen significantly over the past decade. To help structure the necessary coverage, negotiate market options and adequately protect all parties, you will want to work with a broker that specializes in the healthcare sector. Here's why.

Navigating the Landscape of Semaglutide and Other Weight Loss Drugs

Insurance markets are grappling with how to mitigate semaglutide risks effectively. There's no one-size-fits-all approach; underwriters and carriers are navigating the landscape differently. Working with a knowledgeable broker who understands the nuances of this evolving market can make all the difference

PEO Sector Faces New Challenges with Labor Shifts

Significant changes in the labor market due to the COVID-19 pandemic have reshaped the risk landscape for professional employer organizations (PEOs). Learn more about why more than 175,000 small to mid-size businesses rely on PEOs to provide vital HR solutions.

Avoid These 3 Mistakes When Insuring Construction Clients

With a wide array of approaches to professional liability in the marketplace, building the right risk management solution for each client’s unique needs can be complex. Here are three mistakes to avoid when insuring contractors in order to create the best insurance program.

Healthcare Firms Confront 'Perfect Storm' of Post-Pandemic Liability Issues

The healthcare management liability market is experiencing rapid growth, fueled by rising healthcare expenditures and higher employee wages. With significant changes on the horizon, what underlying issues and factors in the healthcare management liability market are causing concern for professionals?

State of the Market Report: A Focus on Cyber

The cyber insurance market has seen a significant shift since early 2023, softening considerably and presenting more favorable conditions for buyers. Renewals are often coming in at level or below expiring pricing, despite increasing claims activity. This shift is driven by improved capacity from both new market entrants and existing carriers expanding their offerings, including limits up to $10 million.

Navigating Asset Manager Forms and Submissions

Asset managers need customized insurance coverage that caters to their specific risks and regulatory needs. Learn why a thorough and detailed application is necessary for getting comprehensive coverage, especially for intricate risks related to funds.

Are you looking for E&O insurance agents?

Carbon Sequestration 101: Understanding the Risks and Finding Insurance Solutions

One way that companies are doing their part to battle climate change is investing in carbon sequestration. However, this process poses the potential for new exposures. This article explores the rise in popularity of the practice, associated risks, and how retailers can help safeguard their clients from potential claims.

EIFS: Understanding the Risks and Potential Coverage Limitations

Properties with EIFS have frequent reports of loss due to water damage. Here we discuss the importance of understanding your client’s financial exposure to specific EIFS risks and highlight the common exclusions that could potentially limit coverage.

Sexual Abuse and Molestation Liability - Australia

State of the Market: A Focus on the Transportation Industry

The state of the 2024 transportation insurance industry is marked by a blend of competitive pressures, regional capacity constraints and innovative technological advancements. Trucking insurance remains a battleground for new business, while commercial auto markets grapple with firm pricing and notable market exits.

Home Health Care Agencies Can Avoid Insurance Blame Game with Auto Liability Coverage & Risk Management

In the Home Health Care arena many agencies require employees to transport clients throughout the day using their personal vehicles. To protect agencies from liability exposures related to Non-Owned and Hired Auto, we recommend they implement a written Risk Management policy. In this article we highlight a few topics that should be included in such a policy.

Leveraging Captives for Greater Control and Customization

In a hard market, especially for casualty, captives can provide retail brokers with a viable alternative to cover their clients’ risks that can’t find a home in the standard market.

CrowdStrike Outage: Market Impacts and Coverage Implications

Businesses across the globe were affected by CrowdStrike's content update, experiencing costly business interruptions and system failures. This article outlines the response we’re seeing from the market so far and what we anticipate, guidance on claims reporting, coverage implications, and more.

AI in Healthcare – What we know and how we are responding

Underwriting for healthcare accounts leveraging AI is determined by what method of AI is being used and how the information gathered through AI is being processed. In this article, we explore what insureds taking advantage of the benefits of AI should consider.

Navigating the Future of Battery Energy Storage Systems: Challenges and Insights

The BESS sector is experiencing a boom. However, there is a lack of comprehensive data on their operation, performance and failure rates which complicates risk assessment and premium calculation for insurers. Here we provide long-term strategies for managing BESS risk.

Real Estate Casualty Market Hardening Enters Uncharted Territory

Market cycles are nothing new to the insurance industry; however, the hardening in real estate is unique both due to its persistency and severity. We are seeing a combination of restricted terms, diminished coverage, increased rates and greater underwriting scrutiny unlike anything in recent memory.

CGL Exclusions Common to Construction-Related Claims

The Commercial General Liability policy (CGL) is an essential factor in the equation that consists of building planning, financing, construction, operation, and protection from risk. Standard ISO form CGL policies contain an insuring clause subject to long-standing exclusions, which have been the subject of interpretation and case law over the years. This article focuses on the operation of the form’s exclusions j, k, and l.

Evolving Social Engineering Tactics Raise the Stakes for Cyber Coverage

Managing social engineering risk involves a layered strategy of system controls, employee training and insurance coverage. Amwins can help.

ESOP Growth Presents Market Opportunity for Retail Agents

Creating an ESOP carries risks that need to be managed and insured – for both the former company owners and the new employee ownership group. Here we explore the opportunity for retail agents to grow a book of business in this space by increasing their knowledge and aligning with partners who have access to the markets and products they need to succeed.

Builder’s Risk Insurance: What Costs Are Covered in the Event of a Loss?

Because no two construction projects are the same, builder’s risk policies and coverages can vary widely depending on the insurer. For retail agents and brokers to best serve their commercial construction clients, they need to be familiar with potential risk exposures and the optional coverages available to mitigate expenses in the event of a loss.

Contractor’s General Liability – 11 Common Coverage Limitation Endorsements

Careful review of the terms and conditions on a contractor's general liability policy is critical to ensure proper coverage and no unpleasant surprises when a loss occurs. This article explores 11 of the most common and challenging amendatory endorsements and exclusions.

Mass Exit: Coverage in the Human Services Industry Increasingly Hard to Come By

The foster care and social services market is undergoing significant change. Examine how the ongoing shift in insurance dynamics, coupled with evolving legislative landscapes and external pressures, underscore the need for proactive risk management strategies.

Flood Risk Coverage Requires Speed, Flexibility and Expertise

Amwins IQ makes the flood insurance transaction process as seamless and easy as possible. The platform aims to address pain points and put the retail agent and their clients in control of the transaction. Learn more here.

Spike in Accommodation Complaints Increases Employers’ EPL Risk

After a few years of declining frequency, employment practices liability (EPL) complaints against employers have returned to pre-pandemic levels. Learn what's driving the increase and best practices that can help clients manage EPL risk.

Facultative Reinsurance: Casualty Market Update

The facultative reinsurance casualty market is in a state of transition. E&S capacity is more readily available to casualty risks as new carriers and MGAs have entered the space, and carrier treaty renewals at 1/1, 4/1 and 5/1 were more organized than in 2023, bolstering the direct markets’ confidence and ability to quote capacity.

Facultative Reinsurance: Property Market Update

With the property insurance market in a constant state of flux, the utilization of facultative reinsurance has increased dramatically. In this report, we examine how trends have mimicked what we have seen on the E&S side, with the market softening, causing brokers to reconsider how they position this capacity.

State of the Market: A Focus on Builders Risk

This report provides an up-to-date market analysis of the Builders Risk industry, focusing on current market trends, impacts to capacity and pricing, as well as specific classes facing notable challenges. Learn more about the ongoing shift in market dynamics when compared to 2023, with increased capacity leading to more competitive terms and conditions.

Cannabis Intoxication Liability: A Growing Concern for Businesses

Cannabis-infused products are being used outside of traditional settings and businesses are facing escalating liability concerns stemming from cannabis-induced intoxication. Learn more about how business owners in this space can prioritize risk management.

Going Global Brings New Risks

Small and midsize businesses are going outside U.S. borders in search of new markets, lower production costs, new suppliers and new ideas. Learn how foreign package insurance and Defense Base Act insurance can help further protect insureds with exposures not fully addressed by traditional insurance programs.

Active Assailant Coverage: A Key Provision in Preparing for California's New Workplace Violence Prevention Law

With more than 110 mass shootings already this year, it’s clear that active assailant incidents pose a severe and unpredictable threat to businesses of all types. And while most insureds have not been exposed to an active assailant event, the demand for this coverage is on the rise.

Social Services Look to E&S Amidst Change in Admitted Marketplace

Coverage for social service entities – traditionally written directly by admitted, retail-direct carriers – is shifting to E&S markets. Learn how growing claims and the rise of social inflation have resulted in exponential premium increases, if renewal is offered at all, and what insureds can do to obtain coverage.

D&O Insurance for Non-Executive Directors – New ‘NED Protect’ Product by Rising Edge

NED Protect has been created to address the unique gaps and challenges that can arise for NEDs when there is a claim. It is there to enhance a current D&O policy, rather than replace it.

Another Look: The Rise of Billion-Dollar Catastrophe Claims

Weather events are not only becoming more frequent but also more severe, emphasizing the urgent need for proactive measures to enhance resilience and mitigate the escalating risks. As Hurricane Preparedness Week begins, it is crucial to assess the impact of named storms on insurance claims and understand why this heightened storm activity is likely to persist.

Top Catastrophe Claim Tips for Severe Weather Season

Severe weather can be unpredictable and strike at any time. Help your clients be prepared in the event their property is damaged by a hurricane, tornado, hailstorm or similar disaster with these 10 catastrophe claim tips.

CAT Modeling 101

With the number of climate disasters rising each year, accurate catastrophe (CAT) modeling is more important than ever. Learn more about the process that uses mathematical models and simulations to help businesses, insurers and public entities make informed decisions about risk management, insurance pricing, disaster preparedness and investment strategies.

The Role of Fire and Water Remediation Insurance in Disaster Recovery

Fire and water remediation contractors stand as a vital safeguard in the aftermath of catastrophic weather events, providing protection and support to those affected. With the escalation of climate change leading to more frequent and severe disasters, comprehensive and tailored coverage cannot be emphasized enough. Here's why.

Limiting Transactional Risk in M&A

M&A comes with risk – hidden factors can linger even after a deal is done. That's where Representations and Warranties insurance comes in. Here we talk about how this insurance can help to enhance deal certainty, and ultimately contribute to the overall success of the transaction for both buyers and sellers alike.

Florida Condo Associations and Co-Ops Face the Reality of Legislative Updates

Florida Senate Bill 4-D created safety requirements for condos and co-ops. However, the challenges and costs of implementing this new law soon became clear and resulted in the subsequent passing of Senate Bill 154. In this article, we examine key provisions of both bills and their impact on property owners looking for creative ways to offset increased costs.

Amwins Global Risks announces classic car auction

Amwins Global Risks is delighted to announce ‘Classic Cars and Cotswolds’, an auction to raise money for the Matthew Wilson Multiple Myeloma Fund at Blood Cancer UK.

State of the Market Report – A Focus on the Hospitality Industry

While property rates have stabilized, we've seen significant dislocation in the casualty market over the past 12-18 months. Learn more about the issues facing the hospitality industry and what's necessary to secure coverage for your clients' more challenging risks.

The Importance of Marine War Insurance in Today's Global Shipping Industry

As global commerce continues to expand, the need for comprehensive marine war risk insurance has become increasingly important for ships venturing into high-risk or restricted areas. Learn more about the coverage and how it's determined here.

Professional Services: A Critical Element of E&O Insurance

It is exceedingly important to ensure that the definition of professional services matches as closely as possible with the services that are actually provided by the policyholder. Here's why.

Professional Liability Risks and the Cost of Potential Errors

Amidst the ever-changing insurance market, insurance agents find themselves increasingly vulnerable to professional liability risks, despite their significant expertise in the field. Learn more about how to protect your clients from all manner of legal peril.

Water Damage Claims for Homeowners, More Than an Inconvenience

Non-weather-related water damage is the second most common cause of homeowners' insurance losses, but it's also one of the most overlooked and misunderstood risks. Unlike wildfires and hurricanes, the risk of non-weather-related water damage to the home can be easily prevented or, at least, mitigated. Here are some tools and information on how to potentially avoid this disruptive peril.

State of the Market Report: A Look into the Public Entity Marketplace

As we head into 2024 there is cautious optimism. The market is sitting on a razor’s edge coming off a relatively clean loss year and smoother treaty renewal, but key areas of differentiation for public entities remain in 2024. Our Public Entity specialists share more about what that entails and what to expect this renewal season in this report.

Navigating the Shifts in RMS Modeling

Moody’s RMS version 23 brings substantial updates to existing models, addressing core perils and climate change views while introducing enhancements in geocoding, model flexibility, data framework and security. This article explores the potential impact to commercial insureds in Gulf states and the Southeast.

Cost-Effective Insurance Critical to Financing Energy Transition to Solar

As commercial and industrial-scale (C&I) solar construction activity continues to expand, cost-effective insurance for the segment is imperative. However, inconsistent coverage year-over-year has threatened to derail new build investment and compromise existing loan agreements. Learn more about Community Solar, an instant quote-and-bind platform that enables you to obtain quotes for operational C&I solar in just a few clicks.

Stock Throughput – An Alternative Solution for Property Brokers

The incorporation of STP into the insurance landscape represents a paradigm shift, offering businesses a seamless, comprehensive and cost-effective solution. As the industry evolves, STP emerges as a valuable tool, providing not just coverage but strategic advantages for businesses engaged in various stages of the supply chain. Learn more about this innovative approach here.

Property Market Conditions Expected to Slow and Even Out as Year Progresses

In our 2024 Property Outlook, we noted the property market was showing signs of softening and a slowdown in the pace of rate increases for most insureds was to be expected. As we move further into Q1, that prediction is ringing true. Here's why.

Sexual Abuse and Molestation - Employment Practices– Combo Product

Employment Practices Liability – NEW exclusive AGR form

Roberts Armytage & Partners is now part of the Amwins family

Safe Haven: Best Practices for Exceptional Care and Risk Mitigation in Nursing Homes

Providing quality care and protecting vulnerable residents should be the top priority for any nursing home. However, even facilities with the best intentions face risks that could lead to incidents, accidents, or liability issues.

Competitive Garage and Auto Dealers Marketplace to Continue in the Short Term

Tough conditions in the marketplace are expected to improve long term, but competition remains fierce with significant pricing pressure and standard carriers working hard to fight for and win business. There are opportunities, particularly in markets such as California, where Admitted Carriers are pulling back or leaving altogether.

Adaptability is Paramount When It Comes to Private Equity Coverage

The private equity market has experienced significant shifts and uncertainties in recent years, with 2021 and 2022 marking historic periods for deal flow. While these years witnessed a fair number of add-on transactions, it’s clear that there are still deals to be done. However, today’s landscape is characterized by a unique blend of optimism and caution, as investors grapple with the question of whether we are already experiencing a rolling recession or if one still looms on the horizon.

Code Blue for Cyber Threats: Securing Patient Safety in the Digital Age

The healthcare industry increasingly relies on digital technology and interconnected systems to provide efficient, quality care. However, this digital transition also exposes healthcare organizations to growing cybersecurity threats. As cyberattacks become more frequent and sophisticated, there is a critical need for cyber insurance to protect healthcare businesses and patient safety.

Risk Management in Healthcare Staffing: The Importance of Excess Liability Coverage

Specialized healthcare staffing agencies play a crucial role in the healthcare industry by deploying skilled medical professionals across various settings. However, by nature, their work exposes both individuals and staffing agencies to numerous risks daily.

Mastering Managed Care: How State Variations Impact Insurance Agents

Clients seek agents who understand their needs and demonstrate a deep understanding of the healthcare landscape. Educating yourself about state-specific changes will help empower your clients and solidify your position in a competitive market.

State of the Market: Personal Lines

As homeowners and small business owners struggle with the fallout, the opportunity exists for retailers to capitalize on increased underwriting appetite in the E&S market to provide the protection customers need.

Customizing Coverage: The Vital Role of Tailored Professional and Management Liability Insurance

The unique challenges and diverse needs of healthcare providers require professional and management liability insurance solutions crafted to address their needs. Insurance agents play a crucial role in guiding healthcare professionals through their options and regulations.

State of the Market 2024 Outlook

While some segments are seeing softening, others face the hardest market conditions in decades. In this State of the Market report, Amwins specialists share market intelligence spanning rate, capacity, and coverage trends across lines of business and industries.

The Essential Role of Insurance for Nursing Homes

Nursing homes are vital in providing care and support for our aging population. The complexities of healthcare and the industry’s unique challenges illustrate the importance of comprehensive insurance for nursing homes. Understanding the risks that nursing homes face can help you build the coverage that suits their needs.

Objective Warranties Should Reduce Coverage Disputes

Warranties come in a variety of forms and the wording of warranty statements can vary. In this article, we explore how replacing subjective language within a warranty statement with more objective warranty language is better for policyholders, insurance carriers and insurance brokers.

Data Protection Strategies for Healthcare Providers

Healthcare data, which includes a wide range of patient information, is the lifeblood of the medical industry. From medical records and treatment plans to personal identifiers, this information is a target for cyber threats. In recent years, the healthcare sector has witnessed a surge in data breach incidents that call for more intense data protection in healthcare facilities. Insurance agents should understand the implications of data breaches and the essential strategies for safeguarding information, including cyber insurance.

Amwins Global Risks partners with Blood Cancer UK to raise funds for myeloma

Managing D&O Risk in the Era of ESG and DE&I

At its heart, D&O insurance has always been about protecting organizations and directors against breach of duty. Coverage has evolved over time as new regulations and laws have been enacted and as new societal expectations, including ESG and DE&I, have raised the bar on what “duty” means. This article will discuss this dynamic environment, impacts on the D&O insurance marketplace, and how you can help prepare your clients.

State of the Market: A Focus on Healthcare

With a blurring of lines between some risk retention groups (RRGs) and commercial lines carriers, as well as a trend to define standard coverage vs. E&S, the healthcare marketplace has become difficult to navigate. In this State of the Market report, our specialists dive into current market trends, impacts to capacity and pricing, and specific classes that are facing notable challenges.

Top Healthcare Staffing Agency Risks and How to Overcome Them

Healthcare staffing firms provide skilled professionals to fill staffing gaps in hospitals, clinics, and other healthcare facilities. However, these agencies face unique liability risks that can have far-reaching consequences.

Competitive Cyber Market Expected to Continue

It's Cyber Security Awareness Month. Rather than reminders about strong passwords and phishing, we focus on what's going on in the market and how to help your clients make the most of it. We spotlight the MOVEit data breach and meta pixel tracking class action lawsuits, as well as the SEC's final cybersecurity disclosure rules that went into effect last month.

New SEC Cybersecurity Disclosure Rules and What to Expect Next

The SEC has released new cybersecurity disclosure regulations for public companies. In this article we talk about the impacts of the new rules and the expectation that something similar is forthcoming for registered investment advisors. New rules for this group will have a much larger impact on the financial industry as a whole and clients should be prepared.

Tail Coverage: A Safety Net for Professionals in Transition

Whether changing jobs, retiring, selling a practice, or simply ending their insurance coverage, professionals may undergo significant changes during their careers. Such transitions can have substantial implications, particularly regarding liability insurance, highlighting the need for tail coverage.

State of the Market Report: Real Estate

Select key events and marketplace change since the beginning of 2023 will further shape the future of the real estate market for the rest of this year and beyond. This update endeavors to provide an informative look at the key factors driving the real estate marketplace.

Meet our Crisis Management team

Sexual Misconduct and Molestation Liability Insurance - Prevention and Response

What Is Managed Care Errors and Omissions Coverage?

In the changing healthcare landscape, managed healthcare organizations play a crucial role in efficient and cost-effective healthcare delivery. However, like any sector, the world of managed care has its challenges and potential pitfalls. Managed care errors and omissions coverage comes into play.

New Long-term Healthcare Facility

This is a Long-term Care / Senior Care PL/GL Lineslip, exclusive to Amwins Global Risks, and is designed for medium-sized and larger risks. It is exclusively available to our preferred broker partners.

Renewal of MBB Binder

If you're looking for Mortgage Bankers/Brokers Blanket Bond, or Mortgage E&O, or Professional Indemnity insurance, you're in the right place.

Closing the Gaps in Transportation Pollution Insurance

The costs of clean-up and regulatory actions after a pollutant release in an auto accident can be enormous. Businesses engaged in this activity, even sporadically, need to understand the limits of the various options they have for insuring themselves against these risks.

Lessons Learned from Lahaina and Other Similar Wildfires

In this article, we will look at the Lahaina, Tubbs and Camp fires; the contributing factors of each; and what can be done to help prevent such widespread and heartbreaking loss.

The Pitfalls of Force-Placed Coverage

While having the lender put a policy in place for you may sound like a no-brainer, there are pitfalls to this type of policy, the biggest being the price and lack of adequate coverage. Learn more about how to avoid force placed coverage here.

State of the Market: A Focus on the Energy Market

In this special report we look at how the energy sector is doing overall. Record losses continue to adversely impact the downstream market, while mid-stream rates are being affected by social inflation and a rise in claims. Upstream markets need to prepare for increased underwriting scrutiny.

AGR joins the Insurance Families Network

Exploring the Intersection of Cybersecurity and Managed Care: Challenges and Opportunities

The healthcare industry is undergoing a unique transformation where data and technology take the spotlight. As healthcare systems go digital and see the benefits of digital health records and telemedicine, patient care is more efficient and accessible than ever. Unfortunately, the digital transformation also brings cybersecurity risks to healthcare systems. Understanding the risks they face and the cyber insurance tools available to mitigate those risks will help you provide them with the coverage they need.

Management Liability claims scenarios

The Growing Need for Professional Liability Insurance in Healthcare

The increasing demand for professional liability insurance within the healthcare sector cannot be emphasized enough. This coverage is pivotal in shielding healthcare providers from potential legal challenges. Given the intricacies of the healthcare industry, providers greatly benefit from the expertise of agents who can adeptly navigate the insurance landscape.

Emerging Technologies in Managed Care: Enhancing Efficiency and Patient Outcomes

By incorporating technology into a managed care practice, there is an opportunity to improve patient outcomes, efficiency, and security. Technology provides a way to streamline collaboration and communication, expand data collection and analysis, and optimize network design to promote company goals. Although beneficial for growth, technology needs support in addressing risks, making cyber insurance an important part of a management strategy.

Parametric Insurance: Offering More Protection in a Challenged Market

Parametric insurance aims to resolve two of the greatest challenges insureds experience with their coverage: speed of recovery and freedom to deploy their recovered capital as they fit. In this article we look at how to help your clients take advantage of this tool that can complement more traditional insurance solutions.

Meta Pixel Class Action Lawsuits Focus on HIPAA – For Now

With so many questions about Meta Pixel liability unanswered, insureds need to be prepared. In this article we look closely at the impact online tracking technology has had on the healthcare industry and how you can help your clients mitigate their risk.

Uncovering the Mysteries of New York’s Labor Laws

Many specific regulations make up the New York Industrial Code.Here we explore the basics of several of New York's labor laws, including Labor Laws 240 and 241, as well as Labor Law 200. We also discuss the types of claims that can be filed under the laws and what to look out for when placing coverage for your clients.

The Role of Technology in Revolutionizing Healthcare

Recent technological advancements have transformed the management and delivery of healthcare services with improvements in patient care, efficiency, and procedural methods. Insurance agents should fully understand how technology influences the healthcare sector to provide comprehensive insurance options to healthcare providers.

Cybersecurity in the Healthcare Industry: Protecting Patient Data

The digital age has introduced new threats and concerns for patient data security in the healthcare industry. The risk of cyberattacks and data breaches threatens significant harm by compromising sensitive patient records and devastating healthcare provider reputations. Insurance agents in the healthcare sector need to understand and emphasize the importance of cybersecurity measures to protect patient data.

Trends and Challenges in Hospital Insurance: Adapting to an Evolving Landscape

The healthcare industry has always had its nuances and continues to change and evolve. That makes it especially important for insurance agents to maintain a pulse on the industry to ensure clients get the right hospital insurance coverage, which helps protect medical facilities against liabilities to provide financial security.

Understanding Managed Care: A Comprehensive Guide for Insurance Agents

In an era of escalating health expenditures, a growing consensus among patients, physicians, and insurance companies has emerged, advocating for a departure from the conventional fee-for-service models toward the adoption of managed care. This healthcare system places a strong emphasis on optimizing quality, controlling costs, and efficiently utilizing resources to curtail unnecessary services while maximizing positive patient outcomes.

Changes to California’s FAIR Plan Complicate an Already Troubled Market

The California FAIR Plan was meant to be a temporary safety net, providing basic fire coverage until traditional property coverage could be obtained. However, with recent regulatory changes and an ongoing hard property market, the FAIR Plan can be the least expensive option available, even though most Californians have access to the same coverage through the traditional, competitive market.

Is Your Client’s Yard Safe? Increased Fire Risk, Catalytic Converter Thefts and Driver Shortages Impact Recycling Operations

Recycling operations have unique risks that require careful insurance underwriting. Having the proper risk transfers in place, completing supplemental forms and complying with loss control inspections prior to placement may be in order.

Legal Defense Costs in Professional and Management Liability

In this article, we will delve into the many advantages of professional and management liability insurance, exploring how it can offer critical financial protection and aid in covering legal defense costs. By sharing with your clients the comprehensive benefits this insurance provides, you can help them make informed decisions to safeguard their business and professional reputations.

Amwins State of The Market Report 2023: A Focus on the Cannabis Market

The cannabis insurance market has undergone notable transformations and shifts in recent years with insurance providers refining their offerings to meet the unique needs of the sector. In general, the market is seeing price compression and downward pressure – particularly in western states that were the first to enter this emerging market. And, while the property and casualty markets remain challenged, the general liability insurance market continues to be more widely available.

Wildfire in the U.S. – Not Just a Problem for Western States

Surprisingly, more wildfires occur in the eastern U.S. than in the western states. And while eastern fires are typically smaller than those in the west, land-use changes are making wildfires worse in areas previously unaffected.

Public Entity Programs and the Need for Adequate Property Valuation

Onsite appraisals completed by a vetted, independent third party can help ensure appropriate coverage and potentially limit renewal increases. This is especially critical for public entities with unique exposures like historical buildings.

Technology Solutions Help Manage Concussion Liability Risk

Increased attention to concussions has led insurers to shy away from covering the risk, with many carriers opting to carve out coverage or offer concussion-only policies. However, with the adoption of new rules, access to better equipment, and utilization of new risk mitigation tools, the sports industry will continue to make strides in protecting their athletes, equating to better-performing insurance products.

Want Access to Public Entity Cyber Liability Insurance? Make Sure You Have Security Measures in Place

Public entities without top tier cyber safeguards are finding they are woefully unprepared to seek coverage in the current marketplace. The message is clear: clean up security controls and spend money on safeguards, or cyber insurance may not be available.

We insure asbestos surveyors

The Importance of Healthcare Staffing: Ensuring Quality Care and Mitigating Risks

Adequate staffing in the healthcare industry ensures that medical facilities do not have employee shortages and reduces the risks associated with inadequate staffing levels. We will look at the essential traits of healthcare staffing. Additionally, we will focus on how it benefits insurance agents and helps mitigate risks such as Medical Professional Liability and General Liability.

Amwins Global Risks launches Amwins Amplify, a new tracker facility

Amwins Global Risks launches Amwins Amplify, a new tracker facility

Emerging Trends in Managed Care

As the healthcare industry continues to evolve, insurance agents face the challenge of staying up to date with emerging trends in managed care. The concept of managed care has become increasingly crucial in navigating the complex healthcare landscape. Here, we will explore the evolving trends in managed care.

Understanding Professional and Management Liability in Healthcare

One of your jobs as an insurance agent is understanding the intricacies of professional and management liability insurance for healthcare providers. Professionals in the healthcare industry will face many challenges and risks requiring specialized insurance coverage. We will dig into the importance of this coverage and how Amwins can assist insurance agents in meeting their client’s needs effectively.

Healthcare Cybersecurity Strategy: Strengthening Defenses Against Cyberattacks

Explaining Reinsurance in Healthcare

Reinsurance is a term many in the insurance industry are aware of, and it also plays a role in healthcare. When a tree falls through a homeowner’s roof or a business suffers a cybersecurity breach, they rely on their insurance companies to pay for the damage. However, this presents a conundrum: Who protects insurance companies if the risk of insuring is too significant?

Healthcare Reform and Its Impact on the Insurance Industry

The healthcare landscape is continually changing, and healthcare reform is a critical driver of change. As an insurance agent, understanding the impact of healthcare reform on the insurance industry is crucial to navigating the ever-changing policies and providing the best coverage options to your clients.

Recent Florida Reforms Impact How Lawsuits are Litigated

Two bills recently became law in Florida: House Bill 837 and Senate Bill 360. Both are designed to help reduce the number of frivolous lawsuits in the state and potentially have a positive impact on what many consider to be inflated insurance rates. Here, we look at the key components of each bill as well as both the short- and long-term affects they may have on the insurance market in the state of Florida.

Top 8 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.

Are Billion Dollar Catastrophe Claims the New Normal?

As we kick off Hurricane Preparedness Week 2023, we examine the impact named storms have had on claims and why we can expect this high level of storm activity to continue.

Silicon Valley Bank Collapse: Impacts on the D&O Insurance Market

The Silicon Valley Bank (SVB) collapse sent shockwaves through the financial industry and brought public awareness of risks in the financial system to the forefront. In this article we look at what went wrong, impacts the bank's failure could have on the market, and risk management best practices banks and other companies should consider to improve their risk profile.

ESG and reputation risks, the role of risk transfer

Companies and their stakeholders are more focused than ever before on Environmental, Social and Governance (ESG) goals. The ESG performance of companies is now a crucial factor in many customers’ buying choices and investors’ decisions. Increasingly, activists and shareholder groups are scrutinising the extent to which companies live up to their ESG promises; getting this wrong can have severe reputational consequences.

Explaining Professional Liability in the Healthcare Industry

The healthcare industry faces professional liability daily and must understand how to care for millions of patients. Among the typical challenges inherent in medical care is the knowledge that a mistake or oversight can result in potentially devastating results. With the life-or-death scenarios that are a part of the daily routine of healthcare, professional liability takes on a much more severe level of importance.

Essential Risk Management Solutions for Tow-truck Companies

With travel increasing and more vehicles on the road post-pandemic, collisions and other vehicle issues have surged, resulting in greater demand for towing services and roadside assistance. This article explores unique exposures faced by towing companies, risk management strategies, and other keys to success.

Builder’s Risk Insurance Market Deep Dive

The builder’s risk segment started seeing hardening conditions much later than the overall property market. Rate increases have now started to plateau in 2023, but they’re plateauing at higher levels than we’ve ever seen in this industry. This article explores the various factors impacting the builder’s risk market and how to achieve the best results for your clients.

Why Healthcare Providers Need D&O Insurance

Directors & Officers (D&O) Insurance is essential in the healthcare industry and a good policy for providers. Healthcare is a challenging and complex industry with intense standards and regulations. Ultimately, risk management is necessary to provide patients with optimal care and for facilities to survive in the industry.

PI Delegated Underwriting Authority

Amwins Global Risks' Delegated Underwriting Authority with CNA Insurance Company Limited allows us to provide a better service to our clients and producing brokers, including broader coverage and competitive premiums.

New Regulatory Process for CBD Products Being Developed By the FDA

The FDA has announced that existing regulatory systems for food and beverage products infused with cannabidiol (CBD) are being updated to help address consumer safety concerns – especially those regarding the long-term use of CBD infused products.

What are Fronting Programs?

For those providing insurance to healthcare providers, fronting programs are an option to ensure they meet financial responsibilities without additional risk transference. Sometimes, self-insurers or captive reinsurers benefit from this form of program. The insurance market continues to look for ways to prevent excess risk with operations.

State of the Market - Q1 2023

While some segments are seeing softening, others face the hardest market conditions in decades. In this State of the Market report, Amwins specialists share market intelligence spanning rate, capacity, and coverage trends across lines of business and industries.

Why Healthcare Providers Need E&O Insurance

Errors & Omissions (E&O) Insurance is a professional liability insurance product designed to protect medical professionals from lawsuits from workplace mistakes. No industry operates 100% free of mistakes. Human error is always possible when people are a part of the equation. In the medical profession, mistakes can impact patients and have costly repercussions for healthcare providers.

The Basics of Medical Professional Liability Insurance

In the U.S., only seven states require doctors and healthcare professionals to maintain medical professional liability. However, many hospitals require physicians to carry professional liability or malpractice insurance. You should carry malpractice insurance if you operate a healthcare practice or see patients.

Managing your clients’ financial risks

Miscellaneous Professional Liability: Navigating Coverage for Emerging Services

Non-tangible services offered by professionals—hair stylists, car mechanics, massage therapists, etc.—are businesses in need of insurance. In this article, we examine the complexities of misc. professional liability policies and placements and how retailers and brokers can help their insureds obtain better coverages by understanding their specific risk exposures.

Insurance Implications of Hiring Tax Staff Through Third-Party Vendors

While outsourced staffing is a useful mechanism for meeting higher demand during tax season, CPA firms must be aware of the common contractual provisions, as well as the potential implications for their errors and omissions (E&O) insurance.

10 Predictions for Healthcare in 2023

If you’re wondering what healthcare will look like in the coming year, there are several trends to look out for. Experts are forecasting changes affecting patients, providers, and insurers alike.

Unveiling the cost shift of dialysis care to employers

A June 2022 Supreme Court ruling illuminated the significant issues in the widely accepted dialysis care for-profit models. While legislation that would impose new coverage requirements does not appear to be included in the 2023 Omnibus Spending Package at this time, significant challenges for patients and insurers are still very much in play.

Research Studies Bring About a New Wave of Cannabis Product Liability Risks

Recent research studies regarding the health and safety of cannabis and hemp products have become leverage for some attorneys. As a result, companies that aren’t prepared for these emerging product liability risks could find themselves facing costly lawsuits.

Florida Again Acts to Stabilize Property Insurance Market

On Dec. 14, Governor Ron DeSantis signed property insurance reform bill SB 2-A into law. Widely touted by the legislature as both “groundbreaking” and “sweeping,” the law is designed to bring long-term stabilization to an increasingly chaotic Florida property insurance market. This article takes a look into the new law and how it addresses the state's insurance pain points.

What is Captive Management and Captive Insurance

Captive management insurance is a policy that allows businesses to cover their own interest rather than relying on an intermediary.

Navigating Health Hazard Exclusions in Cannabis Product Liability Policies

Product liability coverage without restrictions for any disease, illness or health condition should be the clear preference for all insureds, but the absence of a health hazard exclusion from the forms list does not necessarily mean coverage is broader. It’s critical for insurance professionals to understand the nuances of the many coverage forms available to effectively advise clients. This article will explore the various health hazard exclusions and how you can ensure your clients have the proper coverage to meet their needs.

What is Risk Management for the Healthcare Industry?

Risk management is an essential tool the healthcare industry can utilize to help weed out adverse outcomes that may plague their interests. It is impossible to prevent risk. However, it is possible to manage it through innovation, diversification, development, and strategic planning. Risk management is essential in the healthcare industry because lives are at stake.

Top Professional Liability Issues for Healthcare Providers

Healthcare providers face professional liability issues daily and strive to mitigate the risks to thrive and prosper. The healthcare industry is among the largest sectors of the U.S. economy. This industry indeed generates enormous profits, but it’s also true that liabilities can threaten these profits and compromise healthcare providers’ ability to serve patients. Indeed, many healthcare liability issues can escalate to cause professional and management liability problems.

Property Market Update - Q4 2022

Recent events have changed the trajectory of the E&S marketplace, especially for catastrophe-exposed property accounts. While it looked as though 2023 would bring a deceleration of rate increases, factors including CAT weather events, inflation, valuations, and reinsurance renewals have changed this path and we find ourselves in a continued hard property market for the foreseeable future. This update will provide an informative look into the factors that are shaping the current market landscape.

How Regulations of Dietary Supplements Increase Insurance Exposures

Businesses must be aware of the strict regulatory demands placed on the dietary supplement industry by the Food and Drug Administration (FDA).

Benefits of Having Captive Management Insurance

Captive management insurance policies are a unique option for insureds who want autonomy in addressing risks. An insurer who assumes risk issues a traditional insurance policy based on the characteristics of their client. The client then pays monthly premiums in exchange for coverage. Conversely, a captive management program provides similar coverage options, but the insured owns and manages the policy. Although this type of coverage is unconventional, it can benefit businesses and insurers.

Need for Product Recall Insurance Increases as FDA Budget Expands

2022 is shaping up to be one of the most active years for product recalls in the last decade. The FDA is looking to increase its funding in 2023 to protect consumers. This article will discuss new initiatives and rules from the FDA and how you can help your clients that operate in any stage of the food production or distribution supply chain protect themselves from potentially catastrophic product recall losses.

Cybersecurity Awareness Month: The Things to Know

Since 2004, the United States has recognized Cybersecurity Awareness Month every October. Data breaches affecting businesses and customers have become more pervasive in recent years. Companies can take meaningful steps to thwart cyber criminals and protect their customers’ data with greater awareness and resources.

How to Help Landlords Avoid High Judgement Habitability Claims

The current housing environment has led to a trend of tenants filing habitability lawsuits against current and former landlords. This article explores common causes for habitability claims and how retail agents and brokers can counsel insureds to mitigate risk through proactive property maintenance and detailed recordkeeping.

Tips to Reduce Risk of Worker Injuries in Renewable Energy

As the renewable energy sector continues to grow, new career opportunities evolve with a wide range of good paying but potentially hazardous jobs. In this article, we look at specific sectors of the industry that are more prone to common risk factors, and prevention efforts your clients can take to better mitigate risks.

Cybersecurity for Healthcare Providers is Getting Worse

Cybersecurity for healthcare providers is getting worse, and the healthcare industry has issues to resolve. All industries have had to contend with a growing number of cyber attacks. Likewise, the healthcare industry has faced a particularly significant spike in incidents over the past two years.

Group Benefits General Agency Recap - September 2022

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Cyber Security Checklist: Cover Your Bases

In today’s world, risk transfer alone isn’t enough to protect a business from the implications of a cyberattack. This article outlines common exposures companies face and provides a checklist of privacy and compliance requirements and training, cyber insurance coverages, and risk mitigation resources.

How to Address Mobile Cybersecurity Issues in Healthcare

There are mobile cybersecurity issues in healthcare, and the medical industry must solve them before it causes extensive damage. Cybersecurity threats are everywhere, but few sectors are as vulnerable as the healthcare industry.

Insurance Claims for Construction Defects: Defining Single vs. Multiple Occurrences

For decades insurers have treated construction defect lawsuits as a single occurrence within controlled insurance programs. Now, however, there is a growing trend among a small consortium of insurers to treat each alleged defect as a separate occurrence. Retail agents need to be aware of how definitions might be applied, so they can guide their clients and set appropriate expectations for coverages.

Renewable Energy Initiatives Expose New Insurance Risks

While industry experts agree that the energy transition is required for the future health and sustainability of the planet, they also acknowledge that such change is not without risk and there are still a lot of unknowns about how the insurance industry might respond. Retail agents and brokers are wise to stay up to date on the latest developments so they can manage clients’ expectations as the situation evolves.

Group Benefits General Agency Recap - August 2022

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Cybersecurity Attacks Ongoing in the Healthcare Industry

Cybersecurity attacks are increasing among the healthcare industry and it’s essential to understand the dangers that arise from it.

Pull Cords: Benefit or Liability for Senior Living Facilities?

Some carries have begun to deny coverage for properties where pull cords are installed and other carriers are following suit, leaving retailers scrambling to find coverage for their clients. This article will address how underwriters analyze the risks associated with pull cords, and what you can do to help your insureds find coverage for properties where pull cords are installed.

Major Growth on the Horizon for Minor Cannabinoids Adds to Cannabis Insurance Complexities

This article will explore the challenges posed by the booming minor cannabinoid industry, recent court rulings that significantly impact the space, and coverage concerns that agents and brokers should be aware of when insuring this burgeoning industry.

Helping Auto Dealers Weather the Barrage of Storm-Chasers

Arriving unbidden in the aftermath of severe storms, increasing numbers of auto repair contractors offer quick fixes that can put auto dealers at risk of committing insurance fraud. This article will cover tips to help your insureds identify unscrupulous contractors and best practices to help them get back on their feet as soon as possible.

Huge Breach Threatens 2 Million Patients

A huge breach of data can cause devastating effects for any business, and it amplifies when it affects the healthcare industry.

Group Benefits General Agency Recap - July 2022

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Liability Insurance Strategies Can Help Protect Businesses from Punitive Damages Losses

Many U.S. businesses struggle with how best to protect themselves from losses related to punitive damages. One answer to this difficulty is liability insurance, but such damages aren't always covered. This article explores risk mitigation strategies, how states handle the liability and insurability of punitive damages and what types of insurance are available to business clients.

What’s the Future of Cyber Insurance?

Things move quickly in the cyber insurance market, and it can be challenging to stay up to date on the latest trends and issues impacting capacity, pricing and terms. For insights on the current state of the cyber market and the future outlook, watch our webinar on demand “The Future of Cyber Insurance: Where is the Market Going in these Uncertain Times?”

Construction Safety Strategies to Help Lower Workers’ Comp Claims

If your insureds are looking for ways to reduce the costs of workers’ compensation insurance and remain competitive when bidding jobs, mitigating risk with a safety program is a good place to start. This article will examine the top four construction-related injuries and some safety measures to prevent them.

Group Benefits General Agency Recap - June 2022

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Third-Party Litigation Funding Is Fueling Social Inflation

Though once prohibited, third-party litigation funding allows hedge funds, private equity, and other financiers the ability to invest in lawsuits in exchange for a percentage (usually large) of any settlement or judgment received. Although most are privately owned funds, several publicly traded companies are currently involved in this practice.

Market Disruptions Cause Greater E&O Exposure for Real Estate Agents

Independent agents who write real estate agent professional liability (E&O) insurance should take note: High inflation and the resulting higher interest rates are creating ripples of disruption in the real estate marketplace.

Ransomware Continues to Attack Healthcare Units

Ransomware continues to serve as a threat to healthcare units across the country as technology evolves over time. Medical institutions could find themselves held hostage, shut down by harmful software programs that halt their systems. These programs, known as ransomware, damage files, limit activity, and prove a veritable threat to organizations and their patients. Technology restoration may only occur after someone pays the ransom, giving institutions back control.

Public Entities Reevaluate Liability Risks as More Plaintiff’s Attorneys Bypass State Tort Protections

As plaintiff’s attorneys seek ways to challenge the application of public entity immunity, purchasing liability insurance has become increasingly challenging for public entities in states that traditionally had significant limitations on the dollar amounts that can be awarded to a plaintiff.

When Are Risk Retention Groups the Right Option for Medical Professional Liability?

The market for medical professional liability has hardened. While alternative risk vehicles, such as risk retention groups (RRGs), can be a great choice for certain insureds, they aren't a good fit for everyone. This article will help retail brokers understand how RRGs function, the benefits they can offer insureds, and how to help choose the right RRG to meet their clients' specific needs.

Group Benefits General Agency Recap - May 2022

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How Will Florida’s Property Insurance Legislation Impact Capacity, Limits and/or Premium Rates?

On May 26, Florida adopted pro-industry bipartisan property insurance legislation that seeks to reform property insurance concerns in the state. The bills address fraudulent insurance claims and litigation, home hardening, and reinsurance assistance for insurers in an effort to inspire carriers to expand capacity and offer premium relief to property owners. This article examines some of the details of these bills.

Infrastructure Act Likely to Influence Builder’s Risk Market

At a time when the industry is still experiencing construction delays related to ongoing supply chain issues and lack of manpower, the additional demands from the Infrastructure Investment and Jobs Act (IIJA) will present both challenges and opportunities for general contractors as well as the retail insurance agents and brokers who serve them. Now is a good time to look at market conditions and talk to your insureds about ongoing trends that are likely to impact future pricing for new projects.

Limited Capacity, Climate Change and Valuations Further Harden the CAT Property Market

We are continuing to see a hardening trend in the property market, especially in difficult geographic areas, as carriers de-risk their portfolio by limiting their exposure to high-risk perils. With the impact of 5/1 domestic reinsurance treaty renewals now being felt, we’re reiterating some key points from our recent State of the Market report and bringing you a deeper look into the current conditions of the property market.

Contractor Pollution Risk: Insurance Claims Can Offer Clues to Best Coverage Options

Nearly every type of business is at risk for some type of environmental exposure and pollution liability. For industries like construction with known hazards and higher risk potential, the variety of insurance policies available can make choosing the appropriate coverage a challenging decision. This article details typical environmental exposures contractors face, the risk level of specific construction activities and how environmental coverages are usually applied.

Amwins London Casualty Team is up and running!

Amwins Global Risks Casualty team is now up and running! Find out more about the team here...

Group Benefits General Agency Recap - Apr. 2022

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Healthcare Cybersecurity Act Introduced

he Healthcare Cybersecurity Act of 2022 was introduced in March with the goal of strengthening connections between the United States Department of Health and Human Services (HHS) and the Cybersecurity and Infrastructure Security Agency (CISA). The act calls for an agreement to be drafted by both agencies, outlining plans to improve the infrastructure of cybersecurity throughout the healthcare field.

Revved Storm Losses Drive Auto Dealers’ Insurance Needs

Climatologists predict that climate change will continue to cause larger and more frequent loss events as storms increase in both frequency and intensity. Now, more than ever, auto dealers must prepare their operations for extreme weather or suffer the unpredictable aftermath.

Introduction to Themis Underwriting

Read more about Themis Underwriting, an established London based insurer and a respected leader in global M&A insurance announced the launch of its US M&A insurance practice on 5 January 2022.

Tax Insurance - Rescuing deals in distress

How can tax insurance can eliminate or significantly reduce exposure to identified tax risks?

Market Factors Not the Only Driver for D&O Policy Pricing

Underwriters are taking a more individualized approach to pricing and conditions of Directors and Officers policies. While there are general economic factors at play, a company’s industry subset and unique business operations activities are what’s driving the underwriting decisions on renewals.

Vaccine Mandates Could Impact Costs, Conditions for Employment Practices Liability (EPLI) Policies

As we continue to see variants of COVID-19, whether to mandate vaccinations in the workplace will be an ongoing challenge for employers. They will need to have processes in place to mitigate exposures, and an EPL policy that protects them in the event of claims or litigation.

Great Britain legal changes to using a mobile phone whilst driving

On 25th March 2022, UK legislation will be changing to enforce stricter rules on those using a mobile phone whilst driving.

Q&A with Sarah Brailey

Sarah Brailey, Divisional Director, gives her thoughts on Professional Lines in our Q&A.

Group Benefits General Agency Recap - Mar. 2022

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Healthcare Cybersecurity Gaps to Address Immediately

The healthcare industry is a prime target for cybercriminals due to the attractive amounts of sensitive data up for grabs that can yield high dollars on the dark web. While healthcare cybersecurity is particularly critical in an industry where ransomware attacks and data theft can potentially result in loss of life, organizations notoriously under-fund and under-prioritize their cybersecurity infrastructure.

Limited Wildfire Capacity Sparks Broker Creativity

Wildfires are an evolving concern across the U.S. and as the frequency and severity of them rises, so do the costs of insuring property in the geographic regions. Retail agents and brokers need to set appropriate expectations with insureds about the limitations in the current market and work with clients on risk management strategies, including fire prevention efforts.

Combatting California Fires Might Mean “Wild” Insurance Ideas

Proper vegetation management, including the removal of dead and dying trees around utility equipment, is the most effective risk-management technique for combatting fires. Unfortunately, only the largest arborist contractors can afford to purchase the wildfire coverage that allows them to do the job, leaving smaller contractors with few choices. This article explores some creative coverage approaches.

Unseen Pollution Risk? Insurance Claims Can Help Identify Environmental Exposures

To help your insureds consider whether they need insurance for potential pollution liability, it helps to have a basic understanding of environmental regulations and their impact on general liability pollution exclusions. In this article, we will examine some claims scenarios where the right environmental insurance coverage might have made a substantial difference in out-of-pocket expenses.

Professional Indemnity Insurance – getting the best from the market

Help us to present your submission in the best light.

Group Benefits General Agency Recap - Jan. 2022

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Group Benefits General Agency Recap - Feb. 2022

Check out these articles from Amwins Connect that you may have missed last month.

Temporary relaxation of the retained EU drivers' hours rules

The Department for Transport (DfT) announced a temporary relaxation of the rules on drivers' hours. Effective from 12:01am on 12 January until 11:59pm on 10 February 2022.

Liability Policies: Understanding How Abuse and Molestation Exclusions Impact Insurance Coverage

Because the term "abuse" is open to interpretation, alleged acts of abuse can happen to anyone, anywhere—creating risk exposures for all types of organizations and individuals. This article explains how exclusions to liability policies may limit insureds' coverage in the event allegations are made against them.

Community Associations Need a Good Defense Against Cyber Attack

Because community associations are often ill-prepared to protect themselves from cyber attack, they are particularly vulnerable to the top issues threatening cyber security today. In this article, we use real-world examples of cyber attacks on board members to illustrate the importance of cyber insurance.

New EU Haulage Rules

From 2 of February 2022 if you undertake loaded goods journeys you will need to use an online EU portal to register the details of some journeys within the EU, Iceland, Liechtenstein and Norway before the journey starts.

2022 UK Highway Code changes

New 2022 UK Highway code changes could see drivers with more liability.

Group Benefits General Agency Recap - Dec. 2021

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Intellectual Property Q&A

Cameron Meakin, Professional & Financial Risks broker recently interviewed Ellie Webb, Senior Underwriter, at Tokio Marine Kiln on Intellectual Property.

Professional & Financial Risks Recent Successes

Here are some recent accounts that Amwins Global Risks have been able to successfully assist their clients with.

Pricing Commercial Auto Insurance Amidst Driver Shortage

One of the many challenges commercial operators face with the driver shortage is the issues it presents for proper insurance coverage. Many operators are hiring drivers they wouldn’t normally consider and because of the shortage, some carriers are willing to make driver requirement exceptions. This article outlines some of those exceptions.

Group Benefits General Agency Recap - Nov. 2021

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Insights from TMPAA State of Program Business Study 2021

Partnerships with program administrators are essential for retailers looking to tap into the fast-growing program business market.

How Alzheimer's Could Impact Employee Benefits Offerings

November is National Alzheimer’s Awareness Month in the U.S., and its goal is to bring public awareness to the warning signs of dementia and challenge the stigmas and misinformation surrounding the disease. It’s also an opportunity to talk to clients about how chronic conditions like dementia and Alzheimer’s can impact the workplace and potentially influence employee benefits offerings.

5 Best Practices for Addressing CPA Firm Professional Liability Risks

In this article, we will look at key trends driving the increase in professional liability risks that can impact your CPA clients. By paying close attention to these matters, your clients can identify areas where they may have risk exposures and, as a result, focus on mitigating potential losses.

6 Tips for Accurate Property Valuations as Replacement Costs Spike

Insurance to value has always been a point of contention and the increased fluctuation in replacement costs makes it harder than ever to accurately assess replacement values. Here are six tips to help clients accurately gauge values for insured properties.

Security is Key to Accessing Public Entity Cyber Liability Insurance

The growing prevalence of ransomware has changed the landscape of the cyber insurance marketplace dramatically. This article explores the state of the cyber insurance market and how public entities can access the limited coverage available by improving their cyber security and adding safeguards.

What Medical Professionals Should Know About Risk Retention Groups (RRG)

The US medical professional liability (MPL) marketplace has hardened with many commercial carriers raising rates and tightening coverage terms and conditions. As a result, some MPL insureds are moving from the traditional insurance marketplace to alternatives like risk retention groups (RRG). This article covers 4 common concerns that should be considered before moving to an RRG.

Group Benefits General Agency Recap - Oct. 2021

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Group Benefits General Agency Recap - Aug./Sept. 2021

Check out these articles from Amwins Connect that you may have missed last month.

Telemedicine: Are Your Insurance Policies Due for a Checkup?

The global telemedicine market is projected to reach $52.3 billion by 2022, with predicted growth in behavioral health and substance abuse, outpatient virtual visits and critical care. While telemedicine has many advantages for patients, such as increased access to care and reduced costs, there are also new exposures for healthcare practitioners. This article address those risks and discusses insurance coverage considerations for them.

Forever Chemicals: Time is Running Out to Get Coverage for PFAS

Forever chemicals aren't going anywhere, but the ability to obtain insurance coverage for potential exposures could be gone sooner than later. Recent legislative and regulatory developments underscore the urgency for insureds that produce or use PFAS to seek environmental coverage before carriers move to exclude them.

The Bottom Line of Benefits for a 5 Generation Workforce

Today’s workforce is the first to cover a range of five generations that includes: the Silent Generation, Baby Boomers, Generation X, Millennials and Generation Z, whom together are greatly changing the Group Benefits landscape. In this article learn more about the importance of creating tailored benefits programs that have multigenerational appeal.

Mosaic launches global FI, PL units

Mosaic Insurance has begun underwriting across several specialty lines of business for global clients, including financial institutions and professional liability products.

Difficulty placing cyber risks?

The increase in size and frequency of ransomware losses has inevitably resulted in changes to underwriters’ appetite and capacity in the cyber and tech market.

What “Wood” You Do If Lumber Prices Skyrocketed? Policy Considerations for Woodworking Operations

COVID triggered a series of events (and Mother Nature didn’t help) that spurred unprecedented supply-and-demand imbalance and price hikes in the lumber market. The impact on building products is well documented, but implications extend well beyond wallet woes at the Lowe’s checkout. Here, we take a look at key considerations for insuring woodworking operations and other property placements during this state of rapid change.

Renewed binding authority!

Amwins Global Risks Mortgage Bankers/Brokers Blanket Bond, Mortgage Errors & Omissions and Professional Indemnity Insurance capabilities

Cyber insurance - luxury or necessity?

Top 5 Challenges for Insuring the Cannabis Industry

The demand for insurance in the cannabis industry has grown exponentially over a very short period. And while more states have legalized cannabis, the industry remains relatively untested, with limited coverage options and capacity. This articles explores what agents and brokers should know when it comes to insuring this specialty market and the challenges they’ll face when putting cannabis operations on the books.

Group Benefits General Agency Recap - July 2021

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Group Benefits General Agency Recap - May/June 2021

Check out these articles from Amwins Connect that you may have missed last month.

Florida Condominium Property Insurance Marketplace: Real-Time Update

With a recent upward shift in demand for replacement or supplemental Florida condominium capacity, the market has tightened in this segment and will continue to do so in the coming weeks. Learn more about these market developments and exclusive capacity available through Amwins brokers.

AI-Powered Transactional Insurance Opens New Small Business Cargo Markets

Per-load cargo insurance has caused many headaches over the years because of the mismatch between time invested and coverage needed. The convergence of artificial intelligence and automation has created new opportunities for brokers to help their clients with these low-complexity, high-volume risks. This article outlines how the right insurtech solutions can enhance brokers’ capabilities to create data-backed, human-centric transactional cargo coverage.

Insuring SPACs: D&O Risks, Coverages and Market Conditions

With substantial growth in the Special Purpose Acquisition Companies (SPAC) space, the SEC is increasingly scrutinizing their structure and internal controls, causing the already difficult D&O market to take note of the additional risk inherent to SPACs and the de-SPAC process. This article explores the difference between SPACs and traditional IPOs, inherent risks, underwriting concerns and the state of the SPAC and de-SPAC market.

Stop Loss Market Update Q1 & Q2 2021

This state of the market report examines the many factors contributing to the uncertainty and volatility of the market as we look toward 2022 and provides some meaningful and actionable insights regarding emerging market trends.

Health Insurance Market Trends Through 2027

Assisted living facilities offer a much-needed service to senior adults and others who need daily help with tasks. For many, though, the expense of an ALF can be cost-prohibitive. Many residents of such facilities can afford it because of Medicare and Medicaid coverage, the health insurance market is constantly changing, and assisted living facilities need protection beyond what their residents’ health insurance can provide. ALF risk management coverage can help your assisted living clients minimize liability that could result from healthcare insurance market trends projected to continue through 2027.

All Dried Up: Limitations to Standard Flood-Insurance Policies

Flood insurance is often a glossed-over coverage that insureds purchase only when required. It's not until a loss occurs and the bills mount up that many come to realize the limitations to standard flood insurance. This article outlines the limitations and exclusions of standard flood insurance and provides recommendations to help minimize out-of-pocket expenses.

Are Brokers in for a Tsunami of Pandemic-Related E&O Claims in 2021?

Agents and brokers Errors and Omissions claims are expected to substantially increase in size and frequency in 2021. This article looks at how COVID-19 has been the catalyst for propelling the uptick and severity, what it means in an already hard insurance market, the impact on brokers, and what you can expect over the next few months.

Protecting Auto Dealer’s Shrinking Inventories During Hail Season

While demand and pricing remain high, identified factors have curtailed much of the expected growth for automotive sales in 2021. This forecast means that it is even more important that your clients are versed in how to protect their lots from hailstorms. This article shares tools to help your auto dealer clients mitigate and efficiently report hail-related loss, as well as hot topics circulating the DOL market.

Top 3 Trends Affecting Cyber Risk and Insurance in the Energy and Oil & Gas Sector

The energy sector’s technological shift to remote control and network access as well as society’s focus on environmental consciousness has exponentially increased oil and gas company’s exposure to cyber-attacks. This article highlights the top three cyber trends affecting the energy sector, helping identify current risks and market conditions so you can determine the best coverage solution for your client.

How to Prepare for Texas Winter Storm Claim Issues

In February, three back-to-back winter storms brought unprecedented freezing temperatures to Texas and surrounding areas as well as an estimated $18 billion in insured losses. This article sheds light on claims questions and issues that retailers should be prepared to address with their clients to achieve a successful outcome.

How Excessive Fee Litigation is Changing the Fiduciary Insurance Market

In recent years, federal courts have been flooded with ERISA class action litigation against defined contribution plans and retirement plan fiduciaries. This article details the rise in excessive fee litigation, challenges in the fiduciary insurance marketplace and proactive steps plan sponsors can take to mitigate their risk.

Q1 2021 E&O market review

Professional and financial risk broker Matt Glasgow gives the London Market view of E&O

Reputational risk

Additional Capacity for Amwins Exclusive Solutions

From small business to large placements and commercial to personal, AmWINS is committed to securing additional exclusive capacity for our clients who are facing the stress of the hard property market. We’re pleased to announce a partnership with Integral, an ILS fund manager that will meaningfully increase capacity for several of our in-house offerings.

4 Coverage Issues Impacting the Hemp and CBD Industries

With the federal legalization of hemp and its derivatives under the 2018 Farm Bill and the increased popularity for health and wellness use, the global market for these products has reached billions of dollars in annual sales. However, the regulatory landscape is complex and constantly evolving. This article addresses four major insurance coverage issues that retailers should look out for on hemp and CBD accounts.

Insuring Testing Labs: Top 4 Policy Considerations

Businesses of all types rely on the laboratory testing services industry to perform tests on items ranging from consumer goods and food products to construction materials and industrial components. Since testing labs span numerous industries, each with their own regulation standards and risk factors, insureds need a policy that is designed to specifically address their unique needs. This article highlights four areas that should be thoroughly considered when developing a coverage plan for testing labs.

Silent Cyber: An Issue Making Noise Across Industries and Coverage Lines

Cyber events don’t always just result in financial loss but can also cause first or third-party bodily injury or physical damage. In response, many insurers have adopted various exclusions, sub-limits and changes to non-cyber insurance policies. This issue of non-affirmative coverage for cyber events is known as silent cyber. Through various claim scenarios across coverage lines and industries, this article explores the wide range of insureds that are at risk of a silent cyber incident.

The Ripple Effect of Social Inflation and Nuclear Verdicts on the Insurance Industry

Social inflation is an issue that continues to gain intensity. The term describes the convergence of societal and legal trends resulting in increased litigation and larger jury awards. As these cases are tipping in the plaintiff’s favor, social inflation is adversely impacting insurance capacity and increasing pricing. This article explores the issues driving social inflation, mitigation strategies and what the future holds for impacted sectors.

CAB Usage in Underwriting Truckers

Finding coverage for an experienced motor carrier with an above average safety history should be an easy task. However, coverage is often determined by the way a risk is presented - and interpreted. Usage of tools like Central Analysis Bureau (CAB) reports are critical not only to understanding a motor carrier’s risk but also to identifying what further actions need to be taken to research items in question. This article highlights common issues that raise questions when reading a CAB report.

How to Overcome a Loss with an Emergency Response Plan

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.

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

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.

Employment Practices Liability: #whatstrending

Employment practices liability (EPL) insurance in the U.S. marketplace has always been affected by social trends. This article explores the top factors influencing buyer behavior, product development and underwriting appetite associated with EPL coverage.

Unpacking Warehouse Legal Liability

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.

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

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.

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

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.

Flood 101: What to Know About Standard Flood Insurance

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.

State of the U.S. Logistics Insurance Market

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.

How Parametric Products Benefit Catastrophe-Driven Risk Transfer

Parametric insurance is an innovative product that functions differently than traditional insurance by covering the impacts of an event and not just losses sustained to an asset. Proceeds of the policy are paid quickly and can be used flexibly to cover any expense associated with the triggering event. Coverages can be designed to capture the impacts of natural perils and other forms of non-damage business interruptions such as future epidemics. Learn how the parametric landscape has and will continue to play a major role in improving coverage and the recovery experience.

Statute of Limitations Changes Cast a Shadow on Public Entities

Public entities are facing a climate of change as the market continues to harden and insureds are faced with double-digit rate increases in property and liability. Contributing to this disruption are statute of limitation changes for sexual abuse victims, which have extended or removed the time limit for which a victim can file a claim. This article examines the impact of increased claim activity and discusses considerations that need to be made to better manage costs during this time of uncertainty.

Benefits and Challenges of Using Controlled Insurance Programs in Construction Projects

The use of controlled insurance programs (CIPs) in construction projects has become increasing popular in both the private and public sectors. CIPs provide insureds with many advantages, including streamlined risk management in projects where it would otherwise yield insufficient, inconsistent, or redundant insurance coverage. This articles examines the advantages and disadvantages of CIPs, OCIPs and CCIPS and when its makes sense to utilize them for your clients.

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.

Four Key Additional Insured Endorsements for Contractors

Construction contract negotiations, which determine the kind and amount of insurance required for a construction project, can be time-consuming, complicated and frustrating. This article discusses four common ISO additional insured endorsements related to commercial general liability policies purchased by contractors, including their limitations, conditions and exclusions.

Ordinance or Law Insurance Coverage

Ordinance or Law insurance coverage provides limited protection for costs associated with repairing, rebuilding, or constructing a structure when physical damage to the structure by a covered cause of loss triggers an ordinance or law. Compliance with ordinances and laws after a loss can add 50% or more to the cost of a claim. This article will help you educate your insureds on exclusions and limitations and help them take a proactive approach to their insurance program.