https://completemarkets.com/company/Amwinsunderwriting/Public-Entity-Insurance-Program/
Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator with nearly $1B GWP across multiple industries and lines. ASCS distributes a suite of public entity products designed for pools and individual government clients. Below is a clear summary you can use when evaluating placement options for your public entity insureds.
Program overview
Amwins Underwriting’s Public Entity Insurance Programs provide dedicated property, liability, and workers’ compensation solutions for public-sector entities. These programs combine specialty underwriting, flexible capacity, and access to well-capitalized markets and reinsurers to address exposures unique to municipalities, school systems, special districts, public housing authorities and similar public entities.
Ideal accounts and appetite
Municipalities (cities, towns, counties)
Public schools and higher education institutions
Special districts and service authorities
Public housing authorities and municipal utilities
Pools and joint powers authorities seeking programmatic solutions
You should consider these programs when your client needs higher capacity, layered solutions, or specialized terms crafted for public entities that standard commercial markets struggle to accommodate.
Coverage highlights and advantages
Public Entity Property: Up to $50M capacity per risk; administered by ASCS and written by a non-admitted carrier; excess follow-form; no TIV cap. Note: unable to participate on lead/primary layers.
Public Entity Casualty: Liability offered as follow-form excess or reinsurance; up to $3M per occurrence; placed on AM Best “A-” paper and backed by a panel of global reinsurers; strong underwriting and claims expertise.
Public Entity Workers' Compensation: Options include buffer, SIR, alternative funding and excess solutions; carrier ratings across programs range from AM Best "A+" to "A-" XII; available in all states.
Underwriting notes and placement considerations
Underwriting is program-driven and tailored to public entity exposures. Key considerations include existing policy layers (for follow-form placements), desired limit structure, loss history for public-sector operations, and whether the client is a pool or a single entity. The Property program operates on non-admitted paper; casualty and workers’ comp placements use admitted markets or reinsurer-backed structures depending on the program. Amwins’ underwriting team expects complete submissions with current values, schedules of locations, loss runs, and details on risk-transfer arrangements.
Territories and availability
Programs are available nationwide. States of availability include: 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.
Why place public entity business with Amwins Underwriting
Amwins Underwriting brings program design expertise, deep public entity underwriting, and strong carrier/reinsurance relationships. That combination helps you place larger limits, structure layered solutions, and offer funding alternatives for clients who need more than standard commercial terms. The underwriting and claims bench strength noted on the casualty program provides additional confidence for complex liability exposures.
(*We work with pools and individual public entities)
Frequently Asked Questions
What types of public entity accounts are a good fit for these programs?These programs target municipalities, public schools and colleges, special districts, public housing authorities, municipal utilities, and pools. They are a strong fit when clients need higher capacity, excess or reinsurance placements, or alternative funding structures for workers’ comp.
Are the programs admitted or non-admitted?Placement depends on the specific product: the Public Entity Property program is written by a non-admitted carrier and administered by ASCS. Casualty and workers’ compensation placements may be on admitted paper or structured with reinsurer support; confirm program specifics when submitting.
What information should I include with a submission?Provide current policy details and limits, TIV and schedule of locations for property, recent loss runs, description of operations and exposures, any existing SIR or alternative funding arrangements, and details about pools or joint powers structures if applicable.
Which states are these programs available in?The programs are available nationwide. Refer to the storefront for the full list of states, and confirm any state-specific requirements during submission, especially for workers’ compensation and surplus-lines placements.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/Amwinsunderwriting/Scrap-Metal-Insurance-Program/
An exclusive program offering package coverage for scrap metal dealers.
Proudly endorsed by the Automotive Recyclers Association (ARA) as the preferred insurance provider for professional automotive recyclers.
Overview — Amwins Underwriting Scrap Metal Insurance Program
With more than 30 years of experience writing scrap and recycling risks, Amwins Program Underwriters — part of Amwins Underwriting — offers a dedicated insurance program for scrap metal dealers and automotive recyclers. The Scrap Metal Dealers program is distributed through a select group of retail brokers and is available in most states. Coverage is underwritten by experienced specialists who understand the operational, property and liability exposures unique to the scrap metal sector.
Program availability
Available in all U.S. states except: AK, HI & MA.
Ideal accounts and appetite
This program is designed for established, professionally run scrap operations, including:
Businesses that process and sell ferrous and non-ferrous metal scrap
Scrap recycling facilities
Automotive dismantlers and auto recyclers
Self-service yards and salvage operations
Typical fit: operations with documented procedures for inventory control, secure yards, accepted pollution controls, and experienced management. Accounts with high-value or complex environmental exposures, large barge or rail handling, or uninsured prior losses should be submitted for pre-review.
Coverage highlights
The program offers a broad package of coverages to address common exposures for scrap dealers:
General liability (including premises and products exposure)
Property (buildings, contents, stock and outdoor property)
Inland marine (materials handling, mobile equipment and transportation exposures)
Crime and inventory theft coverage
Conversion protection for inventory losses
Cyber liability
Equipment breakdown
Umbrella liability limits
Workers’ compensation — click here to learn more
For full program details and forms, see the program page on Amwins’ site: Scrap Metal Dealers program.
Underwriting notes and minimum premium
Underwriters look for clear inventory controls, secure storage and sound yard management. Key submission items typically include loss runs, photos of the yard and storage practices, a list of owned and leased equipment, and descriptions of processing/handling operations. Minimum premium: Varies by state and exposure; final pricing is subject to underwriting review.
Territories and admitted status
The program is available in the states listed above. Coverage is offered on an admitted basis where the program carrier and state regulations permit.
Why place this business with Amwins Underwriting
Niche underwriting expertise in scrap and automotive recycling risks
Comprehensive package options that address the mix of property, liability and inland marine exposures common to scrap dealers
Distribution through a select retail broker network that helps ensure submissions are complete and competitive
Endorsement by the Automotive Recyclers Association (ARA), signalling market acceptance in the automotive recycling community
Example accounts that fit this program
A family-owned auto dismantler that operates a secure self-service yard, maintains inventory controls, and wants combined property, liability and inland marine coverage.
A regional scrap recycler that processes ferrous and non-ferrous metals, uses forklifts and conveyors, and needs equipment breakdown and conversion coverage in addition to package limits.
To learn more about property & casualty solutions for scrap metal dealers, please visit the program page on Amwins’ website: please visit our website.
Frequently Asked Questions
What types of accounts are a good fit for this program?Established scrap dealers, auto recyclers, self-service yards and automotive dismantlers with documented inventory controls, secure yards and routine safety practices are ideal. Complex environmental risks and large transportation operations should be discussed with underwriting first.
Which states is this program available in?The program is available in most U.S. states. It is not offered in Alaska, Hawaii or Massachusetts. Availability may vary by carrier and state regulations.
Is coverage written on an admitted or non-admitted basis?Coverage is underwritten on an admitted basis where the carrier and state regulations allow. Specific admitted status can vary by state and line of coverage.
What submission materials does Amwins Underwriting typically require?Underwriters generally request recent loss runs, photos of the yard and storage areas, descriptions of operations and processing, lists of equipment, and details on controls for inventory and theft prevention.
How does the minimum premium work?Minimum premium varies by state and by the account’s exposures. Underwriting will provide minimum premium guidance after reviewing the submission details.
Need help placing an account? Connect with a market specialist.