Standard Lines

From market access to direct access, Networked Insurance Agents offers independent agents the resources to win standard lines business.

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Preferred Market Access for Commercial Lines, Workers’ Compensation & Personal Lines Account Needs

Networked Insurance Agents, a unique segment of AmWINS Access, is an aggregator, cluster and marketing network writing admitted business with preferred markets. Networked is appointed by leading standard carriers for commercial lines, workers’ compensation, personal lines and agribusiness. Members receive market access while maintaining 100% agency ownership and earning competitive, market dependent commissions without individual production volume minimums. Here is a summary of the broad appetite for business written by Networked’s affiliate members.

  • COMMERCIAL LINES | target of ‘main street’ business, middle market, and larger accounts 
  • WORKERS’ COMPENSATION | specialized market expertise for handling comp opportunities of any size
  • PERSONAL LINES | options to cover risks from individual monoline products - home, auto, umbrella - up to packages created for high-net worth households

 

Adding Market & Service Expertise – Networked Aggregation

With Networked, affiliates gain valuable market placement and policy support services.  For each risk, the account management team will execute a personalized marketing strategy by approaching the most relevant, competitive markets through established underwriter relationships. Each affiliate member is assigned a dedicated account manager to handle new business and renewals. Averaging nearly fifteen years of industry experience, Networked Account Managers offer comprehensive market knowledge across multiple product lines. Our professionally trained customer service staff handles the back office support for your in-force policies.  With Networked handling these tasks, your agency can focus on building client relationships and producing new business.

 

Maximizing Earnings – Direct Access Cluster

If your agency has the staffing resources and production volumes to maintain carrier appointments, you may be eligible to join our cluster membership organization, Direct Access Insurance Services. The cluster environment offers direct market access, plus the potential to maximize revenues with full commission from carriers that provide subcodes and generous profit-sharing based on combined production volumes.   Benefiting from the group’s overall competitive leverage, each cluster member can operate with the clout of a firm with $15.3B in premium.  

By partnering with AmWINS, our goal is to be your “one stop shop” and assist you in growing your book beyond Main Street business. For new excess and surplus lines risks, Networked affiliates work with their dedicated commercial lines new business account manager who will get to work finding the best possible non-standard markets.

Areas of Specialty

 
  • Commercial Package
  • Business Owners Package
  • Workers’ Compensation
  • Business Auto
  • General Liability
  • Umbrella
  • Homeowners
  • Personal Auto
  • Earthquake
  • Flood
  • Personal Umbrella
 

Recent Insights

Casualty, Construction, Property & Casualty

Four Key Additional Insured Endorsements for Contractors

11/13/18

Construction contract negotiations, which determine the kind and amount of insurance required for a construction project, can be time-consuming, complicated and frustrating. Project owners require contractors on a project to name the project owner as an additional insured on the contractor’s casualty insurance program. It's important that both project owners and contractors understand the coverage provided by these additional insured endorsements. This article discusses four common ISO additional insured endorsements related to commercial general liability policies purchased by contractors, including their limitations, conditions and exclusions.

Manufacturing, Professional Lines, Property, Property & Casualty, Transportation

Freight Forwarders Risk: A Growing and Evolving Market Segment

11/13/18

Many businesses that depend on the export and import of goods contract with freight forwarders to manage the intricate logistics of international trade. As the number of freight forwarders operating in the United States continues to grow and their roles continue to expand, new risks are being generated that require quick adaptation and innovative underwriting solutions. This article identifies the ever-evolving risks that freight forwarders face and explores coverage options for this growing market.

Casualty, Property, Property & Casualty

Program Business Update - Q3 2018

10/23/18

Speed, efficiency, and customer service are essential to earning program business, especially in the current competitive environment. Learn more about changes in the underwriting program space in the Q3 State of the Market report.

Casualty, Property, Property & Casualty, Small Business

Small Accounts and Flood Update - Q3 2018

10/23/18

Small business continues to benefit from an ultra-competitive insurance climate. Learn more about delivering solutions effectively in our Q3 State of the Market report.

Property, Property & Casualty

How Parametric Products Benefit Catastrophe-Driven Risk Transfer

09/18/18

Parametric insurance is an innovative product that functions differently than traditional insurance. Unlike a traditional insurance policy, there are many levers to pull in designing a specific parametric product for an individual insured's needs. These levers afford the opportunity and flexibility to provide a menu of options at many different price points, often providing a more competitive product than is available in the traditional market. Learn how parametric products play a major role in catastrophe-driven risk transfer.

Casualty, Professional Lines, Property, Property & Casualty

Claims Reporting: Better Late than Never?

08/16/18

A common complication during the claim process is the late reporting of claims. In some cases, a late claim can put the agent or broker's own E&O policy in jeopardy. There are many reasons for missing a reporting deadline; however, in most cases, they will not matter to the insurer or the courts. This article discusses typical claim reporting requirements, common causes of late reporting, and recommendations to mitigate the risk of late notice claim denials.

Property, Property & Casualty

Understanding Property Theories of Recovery and Ensuing Loss Clauses

08/16/18

​The theories of recovery, as well as the ensuing loss provisions, contained in property insurance policies are often complex and, at times, seemingly in conflict. Although a policy may not directly address these theories, their application by courts plays a significant role in the coverage determination process after the claim. It is essential that brokers understand the primary theories of recovery – Efficient Proximate Cause, the Concurrent Causation Doctrine, and the Anti-Concurrent Causation Doctrine – in order to navigate the challenging post-claim process and effectively serve their clients.

Property, Property & Casualty

Top 10 Misconceptions About Placing California Earthquake Insurance Coverage

07/24/18

​One of the biggest misconceptions regarding California Earthquake coverage is that it is a straightforward and elective coverage. With the lowest frequency in the CAT space, this peril is often misunderstood. However, one large event with subsequent aftershocks could result in significant losses. We have compiled a list of the top 10 misconceptions about placing CA Earthquake coverage which can help you understand this peril and what is truly being offered.

Casualty, Property, Property & Casualty, Public Entity

State of the Public Entity Market

05/11/18

The Public Entity market is seeing unique trends for both Property and Casualty. In Property, the mid-market has seen firming while larger placements have seen carriers, both domestic and in London, attempt to hold the line on pricing. In Casualty, there are underwriting concerns around several key issues including attachment point sensitivity, capacity management, and difficult public exposures such as water utilities and law enforcement.

Casualty, Property, Property & Casualty, Transportation

State of the Transportation Market

05/17/18

​In both primary and excess liability, accounts are seeing some increases, but the worst may be behind us. As is typical in the transportation sector, troubled accounts are facing higher costs and placement challenges. In an ever changing marketplace, claims, safety and technology are at the forefront and buyers can no longer simply consider price.

Property, Property & Casualty

Understanding Catastrophic Event Property Deductibles

05/17/18

Catastrophic event property deductibles (“CAT deductibles”) differ from traditional property insurance deductibles in that they result in significantly higher out-of-pocket expenses for the policyholder for specific perils. Policy wording is crucial to determine the potential financial impact of these high deductibles. This article discusses the three most popular forms of CAT deductibles and how you can protect your clients from substantial financial burden in the event of a CAT claim.

Property, Property & Casualty

Storm Event: When Multiple Water Perils Intersect

04/24/18

When a storm event occurs, multiple perils often intersect, creating a very challenging environment for a policyholder to prove their loss. Whether these perils are insured by an insurance policy, and if so to what extent, depends on the terms, conditions, definitions and exclusions in the policy. This article discusses the difference between wind-driven rain and rising water, the broad impact of using wind-driven water verbiage, and the importance of clear policy wording concerning water perils.

Casualty, Property & Casualty, Real Estate

State of the Casualty Real Estate Market

03/22/18

The state of the casualty market for real estate and habitational risks differs by the type of exposure. While desirable risks are seeing rate reductions, crime-related losses have caused many carriers to tighten acceptability guidelines, and shrinking profit margins have caused carriers in the habitational market to exit the space. Learn more in our State of the Real Estate Market report.

Property, Property & Casualty, Small Business

Insurance Commissioner Orders Carriers to Pay for Mudslide Damages

03/22/18

The Thomas Fire, the largest fire in California's history, subsequently led to a mudslide on January 9, 2018, which caused a massive amount of damage in Santa Barbara and Ventura counties. The California Insurance Commissioner has issued a formal notice reminding carriers to pay for damage, citing the "efficient proximate cause doctrine." This article takes a closer look at the doctrine and how it has been challenged in court over the years.

Property, Property & Casualty

State of the Property Market - Q3 2018

10/23/18

Even with catastrophic losses, the market remains stable – for now. Learn more in the Q3 2018 State of the Property Market report.

Casualty, Property & Casualty

State of the Casualty Market - Q3 2018

10/23/18

Casualty conditions continue to vary widely, while the usual suspects remain a challenge. Learn more in our Q3 Casualty State of the Market report.

Construction, Property, Property & Casualty

Ordinance or Law Insurance Coverage

01/11/18

Ordinance or Law insurance coverage provides limited protection for costs associated with repairing, rebuilding, or constructing a structure when physical damage to the structure by a covered cause of loss triggers an ordinance or law. Compliance with ordinances and laws after a loss can add 50% or more to the cost of a claim. This article will help you educate your insureds on exclusions and limitations and help them take a proactive approach to their insurance program.

Property, Property & Casualty

AmWINS Exclusive Property Capacity

A one-two-three punch of hurricanes to the U.S., combined with global property catastrophes, have plunged the property market into a period of uncertainty. Vital market access and capacity will be key to success in the coming months.

Casualty, Property & Casualty, Transportation

Why Your Employees' Driving Record Can Be a Reflection on Your Company

Due to the Doctrine of Negligent Entrustment, the consequences of allowing an employee with a poor driving record to operate any motor vehicle for work purposes extend beyond a possible traffic violation or accident. These seven tips will help you to proactively manage your drivers and maintain your CDL files as part of your fleet safety program.

Casualty, Product Recall, Property & Casualty

Whole Genome Sequencing and the Increase in Food Contamination Recalls

The number of food contamination recalls continues to grow at a record-setting pace. In large part, the exponential increase in food recalls is a result of government regulatory bodies’ growing use of Whole Genome Sequencing (WGS) to identify the source of the contaminants. This article discusses the revolutionary impact of WGS on the food production industry.