Search CompleteMarkets

...or terms for perishable freight, livestock, and other specialty loads. Idea...ral freight, refrigerated goods, or livestock. Can new ventures qualify for th...

DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.

Since 1994, CPAGold — a program administered by Amwins Underwriting — has offered a focused professional liability solution for Certified Public Accountants. This program is designed for agents placing E&O and related professional liability exposures for accounting firms seeking broad, flexible coverage and underwriting expertise from a specialized managing general agency. Overview of the Program from Amwins Underwriting CPAGold targets accounting firms that need tailored professional liability protection, including traditional errors & omissions coverage plus defense for disciplinary matters and privacy/cyber extensions. Amwins Underwriting underwrites the program with an emphasis on practical coverage, supplemental endorsements, and options that reflect common CPA exposures. Ideal Accounts and Appetite Small to mid-sized CPA firms (1–50 professionals) with a balanced mix of tax, audit, compilation, and advisory work. Firms with more than 50 CPAs can be considered on a case-by-case basis. Best suited to firms with standard practice areas rather than highly specialized or unusually risky niches—ask underwriting for borderline or specialty practices. Example fits: You might have a 12-person firm that performs tax, bookkeeping and small business consulting seeking a combined E&O and disciplinary defense package; or a 30-person regional firm looking to add privacy and network security coverage to their professional liability limits. Coverage Highlights and Advantages Errors & omissions (professional liability) tailored for accounting practices Defense expenses for disciplinary proceedings and regulatory investigations Subpoena expense coverage and expense reimbursement Claim mitigation assistance Privacy-covered acts and network security coverage to address data breach and cyber exposures Policy enhancements and special endorsements available to broaden protection where needed Limits available from $100,000/$200,000 up to $5,000,000/$5,000,000 Underwriting Notes As a Managing General Agency program, CPAGold emphasizes a streamlined underwriting process with experienced UW personnel who understand CPA exposures. Typical submission items include a completed application, current and prior acts information, claims history, and descriptions of risk management or cybersecurity controls where applicable. Underwriting will review practice mix, revenue distribution by service line, any open disciplinary matters, and prior claim experience. Firms with complex specialty practices or significant claim histories should be discussed with underwriting before submission. Territories and Admitted Status Available in the following territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placement under CPAGold is handled through Amwins Underwriting as a program market. Note: this program is positioned as a non-admitted/surplus lines offering in applicable states — confirm availability and placement rules for the insured’s state of domicile. Why Work with Amwins Underwriting on This Business Niche CPA focus: underwriters experienced with accounting firms and their unique exposures. Comprehensive coverage package that goes beyond basic E&O to include disciplinary defense and cyber/privacy extensions. Flexible limits and endorsements to match firm size and risk profile. Responsive MGA service model geared to help brokers place accounts efficiently and tailor terms where appropriate. Submission Tips Include a completed application and the last 5 years of loss history when possible. Describe practice mix (tax, audit, advisory, bookkeeping) and list any specialty services. Provide summaries of any regulatory or disciplinary matters, even if closed. If requesting network security or privacy extensions, include information on data controls and incident response plans. Frequently Asked Questions What size firms are eligible for CPAGold?The program primarily targets small to mid-sized CPA firms (1–50 professionals). Firms with more than 50 CPAs may be considered on a case-by-case basis—submit details to underwriting for review. What limits and coverages are available?Limits range from $100,000/$200,000 up to $5,000,000/$5,000,000. Standard coverages include professional E&O, disciplinary defense, subpoena expense, and options for privacy and network security. Endorsements and enhancements are available. Is this an admitted or non-admitted program?CPAGold is offered through Amwins Underwriting as a non-admitted/surplus lines program in applicable states. Verify placement rules and surplus lines requirements for the insured’s state of domicile. What does underwriting typically require with a submission?Provide a completed application, prior acts information, at least the last several years of claims history, a practice mix, and any information on disciplinary matters or cyber controls if privacy/network coverage is requested. Need help placing an account? Connect with a market specialist.

Amwins Specialty Auto Specializing in Giving You More, When You Need it Most. Amwins Specialty Auto offers a variety of programs to meet the needs of our insureds with flexible terms and an array of discounts. We also accept many different types of licenses, including no license. Our customer service is unmatched in the industry with quick solutions to any questions. Available in FL, TX & OK! Our approach to personal lines auto coverage: Careful and disciplined underwriting Flexibility and innovation Fast and friendly service Responsive claims handling Comprehensive, customizable reporting Strong data integrity Easy-to-use software Benefits for insureds: Amwins mobile app for easy payments, contact your agent, track payment history, access policy information Roadside assistance 7 vehicles allowed Artisan use coverage And more! Customized personal auto insurance solutions for insureds located in Florida, Texas & Oklahoma Florida Programs Texas Programs Oklahoma Programs Interested in learning more? Visit our website!

APU's Auto Dealer's Pollution program provides a streamlined, standalone Site Pollution Liability solution designed specifically for small auto servicing operations. Many small dealers and shops find only limited add-on pollution riders or expensive, broad pollution policies that exceed their needs. Amwins Underwriting’s Auto Dealer's Pollution program fills that gap with focused coverage and simple underwriting through an “A+ XV” rated carrier. Overview of the Program from Amwins Underwriting This program is a dedicated Site Pollution Liability policy tailored for auto dealers, repair and servicing centers, and related operations. Coverage is designed to respond to on- and off-site pollution exposures, including third-party bodily injury and property damage, cleanup costs and certain transportation and disposal contingencies. The program supports smaller accounts that need more than a limited add-on endorsement but less than a full, high-cost pollution policy. Target Operations / Ideal Accounts Auto dealers Repair shops and servicing centers Motorcycle and RV servicing shops Tire dealerships, lube and oil change centers Muffler and transmission repair shops Battery stores and similar small automotive service locations Coverage Highlights and Advantages On-site and off-site cleanup costs and third-party bodily injury and property damage Automatic coverage for above-ground storage tanks (up to 110 gallons) Ability to schedule above-ground tanks over 110 gallons and non-regulated underground tanks Automatic contingent liability for waste transportation and for non-owned waste disposal locations (including on-site coverage) Restoration costs included in the definition of cleanup costs Loading and unloading coverage and available tail coverage Program Highlights Ability to honor prior carriers’ retroactive dates on new business Flexible deductible options Simple, streamlined underwriting appropriate for smaller accounts Capacity up to $4,000,000 Underwriting Notes and Minimums This is a focused Site Pollution Liability program intended for smaller auto servicing risks. Typical submissions should include basic site information, tank schedules (if any), and any known environmental history. The program offers flexible underwriting but is best suited for operations without significant historical contamination, complex remediation needs, or heavy industrial exposures. Minimum premium: $500. Territories and Carrier Available across the following U.S. states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage is placed with Berkley Specialty Underwriting Managers through an “A+ XV” rated carrier. Appetite and Typical Restrictions Good fit: small to mid-size auto dealers and service shops, single-location or small multiples with routine maintenance operations. Less suitable: large-scale body shops with heavy historic contamination, major fueling facilities, sites with active regulatory cleanup orders, or locations with frequent off-site hazardous waste hauling under the insured’s control. Tank schedules and disclosures of any prior releases are required for underwriting when applicable. Example Account Scenarios You have a family-owned 3-bay repair shop with an on-site 100-gallon above-ground oil tank and routine oil change operations — this program can provide dedicated pollution limits and cleanup coverage without the cost of a full commercial pollution policy. An independent dealer with a small lube center and a non-regulated underground tank (previously installed and disclosed) that needs scheduled tank coverage and the ability to carry a retroactive date from the prior carrier. Why Place This Business with Amwins Underwriting Amwins Underwriting offers a targeted program designed for the needs of small auto servicing operations, combining focused coverage features, flexible underwriting, and access to a reputable carrier (Berkley Specialty Underwriting Managers). The program balances manageable pricing and meaningful pollution protection, with quick turnaround for straightforward risks. It’s a practical market for agents seeking a pollution solution that fits smaller automotive accounts without overpaying for capacity they do not need. Program Limits: Up to $4,000,000 Minimum Premium: $500 Frequently Asked Questions What types of accounts are a good fit for the Auto Dealer's Pollution program?Small to mid-size auto dealers, repair shops, lube and oil-change centers, tire dealers, muffler and transmission shops, and similar servicing operations with routine automotive maintenance exposures and limited historical contamination are the primary target. Can the program cover above-ground and underground tanks?The program provides automatic coverage for above-ground tanks up to 110 gallons and allows scheduling of larger above-ground systems. Non-regulated underground storage tanks can be scheduled for coverage—disclosure and tank details are required for underwriting. Will Amwins Underwriting accept a prior carrier’s retroactive date?Yes. The program has the ability to honor previous carriers’ retro dates on new business when documentation supports the requested date and underwriting accepts the history. What is the minimum premium and are there flexible deductible options?The published minimum premium is $500. The program also offers flexible deductible options; final terms depend on the risk profile and underwriting review. Need help placing an account? Connect with a market specialist.

The cannabis insurance market continues to expand and evolve. Amwins Program Underwriters’ Cannabis program delivers focused property & casualty solutions for the emerging risks cannabis and hemp businesses face. With low minimum premiums, streamlined applications and fast turnaround, Amwins Underwriting is positioned to be your one-stop market for placing coverage across the cannabis supply chain. Ideal accounts and appetite This program targets operators across the licensed cannabis and hemp industries. It is a strong fit for accounts that need standard property and liability protections tailored to cannabis exposures rather than bespoke, high-capacity or highly complex package placements. Dispensaries and retail operations Wholesalers and distributors Cultivation — indoor and outdoor Delivery and transport (including offsite/transit coverage) Manufacturers — extraction, infused products, bakeries Hemp, CBD and minor cannabinoid producers Testing labs and consultants Lessor’s risk for mixed-use properties (incidental habitational and non-cannabis tenants acceptable) Coverage highlights and advantages Amwins’ Cannabis P&C program offers both monoline and packaged options designed for cannabis-specific exposures. Underwriting is handled by underwriters experienced with this industry, which helps produce competitive terms and more consistent placements than generalist markets. Property — monoline or packaged solutions Equipment breakdown General liability and products liability Inland marine and property-in-transit endorsements Limits available include general liability up to $2m/$2m, products liability up to $1m/$2m and property limits to $15m per location, subject to underwriting and state availability. Underwriting notes and minimums The program keeps application requirements straightforward to enable quick quotes. Standard eligibility focuses on licensed operators with documented compliance programs and typical risk controls (inventory controls, secured storage, licensed transport procedures, etc.). The program’s stated minimum premium is $750. Large or unusually hazardous operations may require referral to specialty markets. Territories and availability The program is available in all U.S. states where cannabis or hemp is legal, including—but not limited to—the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and specific coverages may vary by state and local regulatory environment. Why place this business with Amwins Underwriting Amwins Program Underwriters combines targeted cannabis underwriting expertise with programmatic efficiency. You can expect underwriters who understand cultivation, manufacturing and retail exposures and who provide product options that reflect the unique operational risks of the industry. Example placements: A single-location dispensary seeking a packaged property and GL policy with transit coverage for deliveries. A mid-size indoor cultivator that needs equipment breakdown coverage and higher property limits at one primary location. For additional details, click here to visit our website. Frequently Asked Questions What types of cannabis accounts are a good fit for this program?This program fits licensed dispensaries, wholesalers, cultivators (indoor and outdoor), manufacturers (extraction and infused products), testing labs, delivery/transport operators and lessor’s risks with incidental non-cannabis tenants. Complex or high-capacity industrial operations may require referral. What coverages can I get through Amwins Program Underwriters’ Cannabis program?Agents can place property (monoline or packaged), equipment breakdown, general liability, products liability, inland marine and property-in-transit endorsements. Limits and specific terms depend on underwriting and state requirements. Are there minimum premiums or submission requirements I should know about?The program has a stated minimum premium of $750. The underwriting team favors straightforward submissions with clear licensing documentation, inventory controls and basic risk-management practices to enable quicker binding. Which states are eligible for placement?The program is available in U.S. states where cannabis or hemp is legal. State availability and coverages vary; confirm state-specific appetite and restrictions with underwriting on each submission. Need help placing an account? Connect with a market specialist.

Property & Casualty Insurance Coverage for Auto Dismantlers Endorsed by the Automotive Recyclers Association Amwins Program Underwriters, part of the Amwins Underwriting division, offers a dedicated Auto Dismantlers program designed for risks primarily engaged in dismantling vehicles and selling used parts. This program pairs specialized underwriting with broad coverage options backed by an A.M. Best rated "A" carrier and more than 30 years serving the automotive recycling industry. Use this program to place accounts that need industry-specific forms, flexible inland marine and conversion coverages, and tailored loss control considerations. Overview of the Program From Amwins This program is built for agents who need a single-market solution that understands the unique exposures of dismantlers, recyclers, salvage dealers, and self-service yards. Amwins underwriters evaluate operations with a focus on core dismantling activities and will consider accounts with ancillary businesses when the primary exposure remains auto dismantling. The program emphasizes risk selection, experienced claims handling, and flexible packages that combine property, liability, inland marine and specialty protections. Ideal Accounts and Appetite Target classes: Automotive dismantlers Self-service yards Auto recyclers Scrap yards Scrap dealers Salvage yards Typical accounts have a higher percentage of dismantling and used-parts sales versus unrelated operations. The program generally prefers operations with organized parts inventory, secured storage, basic environmental controls, and documented salvage handling procedures. High-volume salvage-only operations, contractors, or businesses where dismantling is a minor sideline may be outside the primary appetite — submit for review if operations are mixed. Coverage Highlights and Advantages Package capability including Property and General Liability tailored to dismantlers Specialty inland marine for parts inventory and transit exposures Crime and conversion coverage for inventory risks unique to recycled parts Employment Practices Liability, Cyber, Equipment Breakdown and Umbrella options Workers' compensation available — click here to learn more! Underwriting developed specifically for automotive recycling exposures and salvage operations Underwriting Notes and Minimum Premiums Underwriting emphasizes the percentage of core dismantling activity, site security, inventory controls, and environmental practices. Key submission items include a completed application, loss runs (typically 3–5 years), site photos showing storage and security, and details on inventory controls and salvage handling. Minimum premium: Varies by state and coverage — contact Amwins underwriting for state-specific minimums and availability. Territories and Availability This program is available in the following states and territories: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and specific terms may vary by state; please confirm with underwriting for admitted vs. non-admitted options and any state-specific forms. Why Work With Amwins on Auto Dismantlers Business Niche underwriting expertise with more than three decades serving automotive recyclers Access to specialized coverage forms and inland marine options for parts and salvage Single-source program to place multiple lines (property, liability, inland marine, specialty lines) Responsive underwriting to help you place accounts that other markets may decline due to unfamiliarity with dismantling operations Example fits You have a long-established auto recycler with organized parts racks, gated storage, and documented inventory controls who needs a combined property/inland marine package plus conversion protection. You represent a self-service yard expanding into online parts sales that needs liability, cyber, and inland marine coverages tailored to higher customer interaction and parts-in-transit exposure. Submission Tips Include detailed loss runs and describe the percentage of dismantling vs. ancillary operations. Provide photos of the yard, parts storage, fencing/gates, and any security systems. Document inventory procedures, customer access controls, and environmental measures for fluid handling. Contact Amwins underwriting early for borderline or mixed-operations accounts to determine fit and preferred terms. Frequently Asked Questions What types of accounts are a good fit for the Amwins Auto Dismantlers program?Accounts primarily engaged in dismantling vehicles and selling used parts — including self-service yards, recyclers, salvage and scrap dealers — are ideal. The program prefers operations where dismantling is the core activity and inventory controls and site security are in place. What documents and information should I submit with a new account?Submit a completed application, 3–5 years of loss runs, site photos (storage, security, fencing), description of inventory and salvage handling procedures, and any environmental controls for fluid management. Is workers' compensation available through this program?Yes. Workers' compensation is offered as part of the program — availability and terms can vary by state. Refer submissions to Amwins underwriting to confirm state-specific options and requirements. Are there common exclusions or operations that this program will not accept?High-hazard operations unrelated to dismantling (e.g., heavy manufacturing, major contractor operations) or accounts where dismantling is only a minor sideline are less likely to fit. Environmental contamination from prior operations may also impact eligibility; submit for review with full disclosure. Need help placing an account? Connect with a market specialist.