Personal Lines

AmWINS has a dedicated underwriting team that works with retail agents nationwide to underwrite coverage for a wide variety of personal lines risk.

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Coverage for Unique Personal Lines Risks

AmWINS is a leading specialty insurance distributor of personal lines products that excels in helping our retail agents and brokers find the right coverage at competitive rates for personal lines accounts of all values and sizes.

As the largest wholesale broker in the U.S., we are uniquely positioned to provide access to best-in-class and exclusive personal lines markets to help differentiate our retail partners. With both admitted and non-admitted markets, as well as national and international carriers, we competitively place risks that can be written as either standalone coverage, or part of a more comprehensive package policy.

Underwriting-Driven Culture

Our local underwriters are solely focused on personal lines. We understand the importance of time sensitivity, active communication, and working with our retail partners to find solutions for those harder to place risks and hard to satisfy clients. With dedicated personal lines underwriters across the U.S., our experienced underwriting team has an average industry experience exceeding 10 years.

Coverage

We can help you insure everything including luxury homes, vacation homes and rentals, vacant homes, condos, valuable articles, autos/collector cars, and recreational marine vehicles. We provide coverage for all types of perils including wind, fire, earthquake, and flood, as well as comprehensive personal liability / umbrella protection to cover your assets.


Areas of Specialty

Homeowners
  • High Net Worth Admitted/Family Office
  • Coastal E&S
  • Condo Unit Owners
  • Dwellings (1-4 Family Rental, Vacant)
  • Vacation Rentals
  • Builder's Risk
  • Flood (primary and excess)
  • Umbrella / CPL
  • Farm and Ranch 
High Valued Vehicles

Recent Insights

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, 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, 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

Contingent Business Interruption Insurance Covers Losses Beyond a Business’ Control

Business interruption is a common coverage that allows a business to recover revenue lost as a result of a direct physical loss or property damage. But contingent business interruption coverage, while less prevalent, provides an additional layer of protection against losses that result from interruptions to supplier or distributor chains which directly impact the insured’s ability to produce products or deliver services.

Casualty

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

Lloyd’s of London has long been recognized as a well-established brand that, through the breadth and depth of coverages offered, is easily identifiable outside insurance industry standards. But how does the claims process work at the world’s most recognizable market, and how is an organization so steeped in tradition managing its claims processes to keep pace with today’s technology?

Casualty

Garage Liability Insurance Packages May Reveal Coverage Gaps and Lacking Limits

A close look at a garage liability policy will likely reveal a number of coverage gaps and exposures that could have a dramatic impact on balance sheets in the event of a claim. While these packages are the industry norm, identifying potential gaps and the stand-alone solutions that can supplement the garage package policy will go a long way in helping protect clients before it’s too late.

Casualty

The Contractual Liability Exclusion

The extent to which the contractual liability exclusion applies can vary, depending on geography, the applied agreements and even the level of liability that can be imposed under general law. While each case may be unique in its own right, it’s important to examine the variables that can factor into claims to see in which capacity contractual liability exclusions could apply.

Property, Casualty

Aviation Insurance Exposures – Consider the Potential

From a simple slip and fall claim to a complex bodily injury or damage to aircraft claim, airports of all sizes are subject to substantial liability. Aircraft and airport operations seem to be very routine in nature, but when the unexpected loss occurs, proper coverage becomes very important.

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.

Property & Casualty, Property, Construction

3 Exposures to Consider on a Builder's Risk Insurance Policy

The resurging construction industry means that builder's risk submission activity is on the rise. As such, it's important to understand this line of business. Here's an overview of some things to consider on a builder's risk policy.