AmWINS Underwriting
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AmWINS Underwriting
Contact Us
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Apartment / HOAs / Commercial LRO
  • For more than 20 years, SPFM (an AmWINS Group Company) has provided creative package insurance solutions for property owners and managers of commercial and residential real estate, including apartments, HOAs, mixed-use, and commercial LRO through the Specialty Insurance Advantage (SIA) program.

The underwriting team at SPFM has the product expertise to provide customized rates for small to mid-sized accounts as well as the flexibility to underwrite and price risks on a subjective basis, while still providing broad coverages. 

Target Clients:
  • Any size account in AZ, CA, CO, NV, OR, UT and WA


  • Property
  • General Liability
  • Premises Environmental Liability
  • Umbrella

  • $750,000,000 Blanket Limits for Property, with dedicated limits for HOAs
  • $1,000,000/$2,000,000 per occurrence, per location in the aggregate for GL 
  • $250,000 per loss per location/$250,000 aggregate per location with a $25 million program aggregate for premises environmental liability 
  • $5,000,000 to $25,000,000 per occurrence/aggregate for umbrella


  • Five Year Loss History running 50% or less
  • Risks with water damage claims subject to underwriting review

Supplemental Application Requirements:

Program Differentiators:

  • Consolidate multiple properties on a schedule with the same renewal date and uniform coverage
  • Built-in blanket limits and no coinsurance, margin clause or statement of values endorsement
  • Valued-added services including claims handling and lender servicing
    • Admitted paper on the Primary Property layer is beneficial when dealing with lender requirements and complicated escrows
    • SPFM provides all back-room service when it comes to lender changes and certificates of insurance as it relates to bind orders, new business and/or re-financing

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
  • Carriers:
  • Carrier Ratings:
  • Commission:
  • Min Premium:


Request a Quote Now!



4725 Piedmont Row Dr., Ste 600
Charlotte, NC 28210
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AmWINS Underwriting has other insurance programs like Architects & Engineers.