Professional Lines

AmWINS is the leading professional lines insurance wholesale broker in the U.S., with the ability to handle a wide range of account size and complexity.

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Professional Lines Expertise

As a leading professional liability insurance broker of financial, professional, and management risks, our nationwide team of experts works directly with retail agents and brokers to effectively address and mitigate risks with strategies that provide coverage for both company and personal assets.

In addition to a complete range of solutions for high-risk professional liability clients, we offer the benefit of binding authority in a number of E&S markets, making it simple to write and place coverage. Annually, we handle more than 50,000 submissions and place nearly $700 million in premium.

Proprietary Products

As a leading professional lines broker, AmWINS is constantly looking to provide new product offerings for our clients. Our objective is to provide our brokers and retail clients with competitive proprietary products complementing the capacity delivered by our specialty carrier partners. With these products, retailers gain a distinct advantage in the marketplace.

Small Account Binding Authority

Through AmWINS Access, our company’s nationwide binding and small business platform, you benefit from industry-leading technology which both simplifies and accelerates the process of handling small accounts. All of this leads to speed, efficiency, and the best possible terms for your insureds.

Leading London Platform

AmWINS brokers use the expertise of our London-based colleagues at THB Group to market on behalf of our U.S. retail clients, giving our retail partners the assurance that we are using the full resources within the AmWINS organization to solve their clients’ problems.

Value-Added Services

We provide our retail partners with the enhanced coverage benefits necessary to build lasting relationships with their clients. As part of our broad professional lines coverage solutions, we offer a suite of extended consultative services relating to:

  • Liability risk management
  • Claims advocacy
  • Placement strategy
  • Market selection
  • Form review
  • Risk differentiation
  • Strategic program structure

Areas of Specialty

  • Crime, Fiduciary, Kidnap + Ransom
  • Cyber Liability
  • Employment Practices Liability
  • Management Liability (D&O)
  • Medical Malpractice/Allied Medical
  • Professional Liability
  • Transactional Risk (Reps + Warranties)

Recent Insights

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, 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, 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.

Professional Lines

Fighting Lending Requirements

At a time when many borrowers are taking advantage of record-setting low interest rates by refinancing their loans, regulatory changes are causing lenders to be more cautious than ever as they transfer the risk of unpredictable events to insurance carriers. This article will look at some examples of lender requests and possible ways to counter them.

Professional Lines, Cyber Liability

Cyber Liability Insurance for Nonprofits Organizations

When it comes to cyber-crime and massive data breaches, there's one group that has been relatively overlooked when it comes to cyberliability - nonprofits. How would an organization with limited capital protect its infrastructure in the event of a breach?

Professional Lines, Cyber Liability

The Cost of a Data Breach

There is a tremendous potential risk for merchants when it comes to the fines and penalties associated with data breaches – not to mention the public relations nightmare that could follow. Many insurers are hesitant to provide the capacity that is needed for the exposure that exists. Are your clients aware of the Cyberliability solutions that will cover them in the event of a breach?

Professional Lines

Professional Lines and TRIA: Surprising Insurance Coverage Triggers

With the renewal of the Terrorism Risk Insurance Act (TRIA), it is a good time to look at Management Liability and Professional Liability lines to discuss how terrorism in general can trigger coverage.

Property & Casualty, Professional Lines

Consider Broader D&O Insurance Coverage for Individual Directors on Multiple Boards

Directors & Officers insurance is designed to protect the personal assets of the directors and officers of a company. So what happens when a board member wants more personal protection than what is provided through a typical D&O policy?

Property & Casualty, Professional Lines

How to Soften the Insured vs. Insured Exclusion in Your Client's D&O Insurance Policy

Looking for ways to limit the Insured vs. Insured exclusion in your client's D&O policy? By considering the amendments recommended here, you may be able to negotiate broader coverage for your client.

Property & Casualty, Professional Lines, Cyber Liability

Cyber Insurance Coverage for Bank Assessments

01/28/16

The most significant liability threat for companies after a data breach could be from their business partners, including banks and payment card processors. This article details what merchants and their brokers need to know to ensure their coverage matches their needs and expectations.

Property & Casualty, Professional Lines

Required State Disclosure Language: What Does it Mean?

02/18/16

Not licensed. Insolvency. No guarantee of claims payment. These words on a policy can cause concern to insureds, especially those with little to no experience with the excess and surplus lines marketplace. Understanding the reasoning behind these disclosures will help you put your clients at ease.

Property & Casualty, Professional Lines

Community Banks: The Return of the Multi-Year Insurance Policy

07/21/16

With the economy on the rebound, carriers have started to again offer multi-year policies for banks, but on a selective basis. Deciding if a multi-year policy makes sense for your insured requires careful consideration, and they can provide many benefits over traditional annual policies.