Offering critical insights for small businesses and personal lines

Amwins Access, a leader in small business insurance solutions and personal lines coverage, has released its 2025 State of the Market report, providing an in-depth analysis of emerging trends and market conditions across key segments, helping brokers and clients stay ahead in a dynamic insurance landscape while capitalizing on evolving conditions.

“As we approach 2025, the market shows encouraging signs of stabilization in certain sectors though challenges remain, bringing a mixture of promise and complexity,” said Troy Santora, executive vice president and E&S leader of Amwins Access. “From stabilizing rates in certain markets to challenges in high-risk segments, our report highlights where brokers can lean into opportunities and where precision will be crucial. This isn’t just about forecasting trends – it’s about arming brokers with actionable strategies to thrive.

Key Insights 

• Stability on the Horizon: After years of volatility, the small business property market shows signs of stability, with new capacity entering previously constrained areas. Brokers can expect increased options for coastal risks and a more competitive landscape overall.
• Personal Lines Evolving: Private flood insurance is redefining coverage, integrating technology for precision risk assessment, and offering policy features that go beyond traditional options. With flood risks growing, the need to educate consumers remains paramount.
• Navigating Complexity: Rising loss costs in casualty lines are driving carriers to refine their risk appetites. Meanwhile, the growing demand for high-net-worth products underscores the importance of personalized, relationship-driven approaches to risk management.
• Market Momentum: New entrants and expanded capacity in the excess liability and high-net-worth sectors are reshaping the competitive environment. While challenges like inflation and social risks persist, these developments provide fertile ground for brokers to differentiate themselves.

A Clear Vision for 2025

The report underscores that while challenges like inflationary pressures and evolving risk profiles demand attention, they also create opportunities for innovation. Amwins Access remains a steadfast partner, bringing cutting-edge tools and solutions to brokers navigating this shifting terrain.

For the full 2025 State of the Market report, visit Amwins Access State of the Market.

About Amwins

Amwins is the largest independent wholesale distributor of specialty insurance products in the U.S., dedicated to serving retail insurance agents by providing property and casualty products, specialty group benefits, and administrative services. Based in Charlotte, N.C., the company operates through more than 155 offices globally and handles premium placements in excess of $39 billion annually. 

About Amwins Access

Amwins Access specializes in small business insurance solutions and personal lines coverage, offering streamlined access to both admitted and non-admitted markets. With expertise spanning a broad range of risks, Amwins Access delivers customized insurance solutions that help retail agents meet their clients' needs efficiently and effectively. Backed by the resources and relationships of Amwins, the Access division combines local expertise with global reach to provide unmatched service and innovative product offerings. For more information, visit Small Business Insurance | Amwins.