Personal Lines
Working with retail agents nationwide, Amwins' underwriting team delivers personal lines insurance coverage for a wide variety of risks — across a wide variety of markets.
First time here? Click here to download our Agent Log-In Tips!
Personal Lines
Working with retail agents nationwide, Amwins' underwriting team delivers personal lines insurance coverage for a wide variety of risks — across a wide variety of markets.
First time here? Click here to download our Agent Log-In Tips!
We add a personal touch to personal lines insurance
Your personal lines clients need niche coverage options. And they need it in a time-sensitive fashion, without any lapses in communication. As a retailer, you're responsible for securing coverage for your clients' hard-to-place risks — yet without the right relationships or market access, you might be left scrambling to address their immediate business challenges. If you're at a loss about where to begin, Amwins has you covered.
As the largest P&C wholesale broker in the U.S., Amwins provides access to best-in-class and exclusive personal lines markets to help our retail partners gain a competitive edge for their clients. With the introduction of Amwins Instant Quote (Amwins IQ), our online marketplace, obtaining niche coverage options is now faster and more convenient than ever. Amwins IQ enables swift access to firm, bindable quotes from multiple carriers within minutes, ensuring your clients receive the specialized coverage they need without delay. Unlike brokers who take a one-size-fits-all approach to securing coverage, our local underwriters are exclusively dedicated to personal lines insurance, working alongside you for hard-to-place risks — and even-harder-to-satisfy clients.
With both admitted and non-admitted markets, as well national and international carriers, Amwins works to place policies as either standalone coverage or part of a larger package.
From luxury homes to valuable articles and nature-based perils, our personal lines insurance safeguards your clients against the risks they've anticipated — as well as those they haven't.
Personal lines areas of specialty
Hard-to-place risks
International network
Underwriting expertise
With underwriters solely focused on personal lines insurance, who average more than a decade of experience, you can rest assured your clients' coverage is in capable hands.
Applications & Brochures
Explore personal lines insurance resources + insights
Garage Liability Insurance Packages May Reveal Coverage Gaps and Lacking Limits
Garage liability packages are an industry norm, but a careful, thorough and candid review will often reveal that the coverage offered is not as robust as it should be – and, in certain instances, limits are severely lacking. Sadly, far too many auto dealers don’t learn this until a claim is made, the same point at which they become aware of the significant impact this coverage gap can have on profit margins and their balance sheet.
The more clients look at their garage liability policy, the more gaps or holes they often find. And without proper counseling, the right advisor may not know that there are a variety of stand-alone solutions that can very easily supplement key coverage components in a garage package policy. This delicate balance is an important reminder for auto dealership owners who need to have a complete understanding of their current program so they can recognize the gaps and potential liabilities that may exist before it’s too late.
Errors & Omissions (E&O)
Employment Practices Liability
The coverage offered in most packages is particularly basic relative to the auto dealer’s third-party exposure, the definition of employee, the definition of loss and wage/hour (only available in certain states).Directors & Officers Liability (D&O)
Very few (if any) package policies provide this coverage, and while most auto dealers do not realize they have a D&O exposure, protecting against this exposure could prove to be critical in securing balance sheets in the event the dealer is involved in M&A, raising additional capital or using debt.Cyber/Network Security
The coverage offered in most forms is rudimentary at best, and, with an uptick in the number of cyber-related claims hitting the news, it’s a matter of when, not if, a significant claim hits the auto industry. The sheer volume of transactions that auto dealers make in any given year is significant and the fact that few of these are securely held (in as much as most auto dealers still deal with hard copies of sales/Finance & Insurance-related documents) means the exposure exists. Notification costs and regulatory coverage are two essential coverage items the open market offers that the garage package does not.Crime
While some forms provide coverage, it is extremely simplistic compared to what’s available in the open market. Coverage can be enhanced in a number of areas specific to auto dealers’ crime exposure, but particularly for losses stemming from temporary employees and independent contractors, as one example.Pollution
From first-party and third-party perspective, pollution coverage can save policyholders plenty of time, headaches and cash. With ever-increasing tort liabilities and scrutiny from state and federal governments, as well as environmental protection agencies, a pollution policy is definitely something to consider. This has become an ever-significant issue, particularly as more and more dealerships undergo facelifts to keep pace with their brands’ new design styles. Issues can range from contaminated soils located on a new dealership site to asbestos and mold remediation required during the interior remodeling of showrooms at existing locations. Available pollution policies can cover these exposures via a Contractors Pollution Liability (CPL) and an Environmental Impairment Liability (EIL) policy.Property – Excess Wind
With insureds continuing to grow their footprint and increase their overall exposure, consider the non-admitted marketplace for high excess Wind Only or Named Wind Only options above admitted carrier limits provided for All Risk. There is reasonable pricing available for large excess limits.Deductible Buy Down Programs for Windstorm
Admitted markets continue to push higher primary per auto deductibles, typically with no minimum. The in-house facility at AmWINS has had success in buying down the insured’s maximum deductible and fixing the insured’s costs on a per-occurrence basis. As with other buy down quotes from this in-house facility, the policy is on a “Follow Up” form basis and follows the primary definitions.This article was authored by Richard Minor, a financial services broker with AmWINS Brokerage of Georgia.
- Casualty
- Professional Lines
- Property
- Property & Casualty
