Resources + Insights

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.

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.

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.

In this State of the Market, our experts dive into factors affecting market conditions and share intelligence spanning rate, capacity and coverage trends across numerous lines of business and industries – both domestically and in London.

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.

Since our last State of the Market report, many industries and lines of business have seen changes to pricing, capacity and terms. While we don’t yet have a wrap on 2021, we believe such a quickly evolving marketplace merits a brief pricing update to our forecast.

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.

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.

Similar hard market conditions experienced in the first quarter of the year continue to impact many professional lines of business in the second and third quarter of 2021.   Our State of the Professional Lines Market report examines trends across several coverage lines and classes of business.

The global insurance market has seen many challenges over the years, but none more so than over the last 18 months. In these challenging times, the London insurance market continues to provide solutions that deliver on the needs of our clients around the globe. In this report, our specialists at Amwins Global Risks discuss trends in the London marketplace impacting U.S. risks.

​As of May 2021, the U.S. has documented millions of COVID-19 positive cases, resulting in hundreds of thousands of deaths. With the increasing perception that these deaths were preventable, comes the specter of litigation. This article ​analyzes current trends impacting the Medical Professional Liability industry as well as factors, such as state and federal immunity laws, that will contribute to potential outcomes.

The COVID-19 pandemic has, and continues, to put strain on the healthcare industry, causing new and increased Wage & Hour exposure. ​Even in these extraordinary circumstances, our frontline healthcare workers are subject to fair work standards set forth by the U.S. government and healthcare employers are subject to claims and enforcement action. This article examines how Wage & Hour exposures have been impacted due to COVID-19 and what employers need to know to mitigate their risk of claims.

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.

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.

​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.​

As the healthcare industry remains on the front lines of battling the COVID-19 pandemic, staying abreast of the changing landscape and how the insurance market is adapting is critical to ensure new exposures are covered and renewals are successfully placed. In this article, our specialists share what they are seeing in the Healthcare and Senior Care markets, tips for risk control and mitigation, and how to get the best results for insureds.

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

With ample capacity in nursing home and long-term care liability insurance, competition remains strong among carriers. However, the convergence of three separate events are threatening to create a perfect storm in the marketplace.

In the next 15 years, the population of seniors will nearly double, with more than 20% of the population being 65 or older. With loss rates per occupied bed, claim frequency, and claim severity on the rise, this changing landscape will have a huge impact on senior care facilities.