Property + Casualty

As the leader in specialty insurance distribution, we work with retail insurance agents, brokers and consultants to provide solutions to their commercial property and casualty risk placement challenges.

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Through our relationships with more than 800 E&S and specialty markets, our P&C business has grown to be the largest wholesale insurance broker in the U.S., placing $8.9 billion in property, casualty and professional lines premium annually.

Our dedicated national practice groups, our brokers and underwriters have the collective knowledge and relationships of the firm at their fingertips. They can handle nearly any placement challenge – from highly complex, layered accounts to small binding authority business.

We also have underwriting authority for more than 30 niche insurance programs to meet the unique needs of specific classes, and access to a leading London broker through our international division.

 


Recent Insights

Property & Casualty, Transportation, Environmental

Transportation Pollution Liability: From Point A to B and In Between

02/21/17

When a cement truck turns over and pollutes a stream, how is that insured’s exposure addressed? If a freight hauler is unloading drums of soap and one of those drums turns over and spills into a storm drain, how will the insured be protected? In the environmental marketplace, carriers will offer transportation pollution liability coverage to address these exposures.

Property & Casualty, Professional Lines

Enhancing Securities Market Investors’ Protection in North America

02/21/17

The financial markets' crisis and the failure of major banks, securities broker/dealers and insurers together with an upswing in cases of fraud has meant that investors are profoundly concerned with the protection of assets they have entrusted to others. Fortunately, there are statutory bodies and insurance policies in both the US and Canada which have been created to address these concerns.

Property & Casualty, Casualty

Arbitration Law As We Move Into 2017

01/26/17

Arbitration is becoming a frequently preferred method for dispute resolution, especially in commercial matters and those involving consumer contracts. While there are many positives to arbitration, there are also drawbacks. This article discusses the basis and background of arbitration and current trending and emerging subjects.

Property & Casualty, Casualty, Transportation

8 Areas in which the Electronic Logging Mandate will Impact Trucking

01/26/17

The Federal Motor Carrier Safety Administration mandate which requires nearly all U.S. truck operators to use electronic logging devices (ELDs) to track duty status has been upheld in court and will take effect December 16, 2017. The mandate will impact not just the trucking industry, but the trucking insurance sector as well.

Property & Casualty, Casualty, Healthcare (P&C)

3 Factors Threatening the Nursing Home Liability Market

12/13/16

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.

Property & Casualty, Casualty, Workers' Compensation

How to Combat Rising Rates and Retentions in Excess Workers' Compensation Insurance

11/08/16

For 10 years, rates and retentions for self-insureds have been steadily (sometimes drastically) increasing. The good news is there's a way to fight the increases, though it has little to do with insuranc​e.

Property & Casualty, Professional Lines, Cyber Liability

Endorsements that Protect Your Clients from Social Engineering Losses

11/08/16

In response to the masses becoming more aware of cyber-attack techniques, hackers have countered with more sophisticated attacks, such as CEO Fraud, also known as Social Engineering Fraud. How we do we address this increasing risk as an industry?

Property & Casualty, Casualty, Workers' Compensation

Protection & Indemnity Insurance – Overview and Coverage Concerns

09/20/16

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.

Property & Casualty, Casualty

Overcoming the Challenges of Placing Multi-Family Real Estate Insurance

09/20/16

Multi-family real estate insurance has become a difficult class to place - many markets have either exited the space or tightened their guidelines. Here are three ways that you can help present risks in the best possible light for underwriters.

Property & Casualty, Professional Lines

OSHA: Priorities, Inspections, and Citation Defenses

08/11/16

Despite the heavy burden on employers, since its inception, OSHA's programs and policies have dramatically improved employee safety. It's important that employers know about OSHA requirements and exemptions, which could make or break a citation defense.

Property & Casualty, Property

Top 10 Costliest Hurricanes in U.S. History

08/11/16

For the insurance industry, a major hurricane making landfall means an enormous number of claims, often resulting in rate increases for insureds and changes to catastrophe models. Check out this infographic which highlights the 10 most costly hurricanes in U.S. history, ranked by estimated insured loss.

Property & Casualty, Casualty

Late Insurance Claims Reporting - A Crucial Component in Avoiding a Denial

Nobody likes to see a claim get denied for any reason, especially if it's because of something avoidable like missing the reporting deadline. In this client advisory, we'll discuss tips on reporting a claim to avoid an unnecessary denial.

Property & Casualty, Professional Lines

EPL Policies and PEO Staffing Insurance Exposures

When an employer shifts its employees to a leasing agency or Professional Employer Organization, what happens to the employer’s Employment Practices Liability exposures? Without careful consideration, this transition can create coverage gaps and other complications, making consultation with a financial services professional an important part of the transaction to ensure clients are properly covered during this change.

Property & Casualty, Professional Lines

Regulatory Impact on D&O Insurance Market for Community Banks

Most community banks improved their performance in 2013, but many obstacles – including FDIC lawsuits, Basel III, and the Dodd-Frank Act – continue to cause disruptions among D&O markets, which are still recovering from the hits taken during the economic downturn.

Property & Casualty, Casualty, Environmental

Environmental Insurance Claims, Part 2: Leading Questions to Determine Client Exposure

In part one of our article series, AmWINS and Rockhill Environmental teamed up to show some examples that can lead to a loss. Now, in Part II, we outline some leading questions to help clients determine environmental exposure.

Property & Casualty, Casualty, Environmental

Placing Insurance Coverage for the EIFS Contractor

Obtaining coverage for Exterior Insulation Finish Systems, or EIFS, use can be a challenge. That's why understanding the intricacies of these commonly used building applications are so critical.

Property & Casualty, Casualty, Construction

Additional Insured Endorsements - After the Work is Done

An endorsement like a CG 20 37 or similar can help provide options for completed operations coverage for additional insureds that might otherwise be overlooked or unavailable.

Property & Casualty, Casualty, Construction

Construction Defect Claims: An Update

Litigation over whether a Commercial General Liability (CGL) insurance policy provides coverage for faulty workmanship claims is rapidly evolving. This article discusses situations where faulty work is considered an occurrence, when "property damage" becomes a factor, and how the "your work" exclusion and the subcontractor exception applies.

Property & Casualty, Casualty, Construction

Contractor Insurance Requirements – A Primer

When it comes to writing insurance requirements for contractors, there is a delicate balance to strike: protect insured interests while being reasonable and clear to contractors. This article discusses the importance of diligence in overseeing and enforcing such contractor insurance requirements.

Property & Casualty, Casualty, Hospitality & Entertainment

Four Factors that Determine Pricing For Liquor Liability Insurance Coverage

Liquor liability is a complex coverage that is becoming increasingly difficult to procure, but with a proper understanding of the type of risk, venue and location, you can more effectively position your clients for success with underwriters.