When your clients are transporting goods from manufacturer to market, cargo insurance is essential to protect their financial interests. Burns & Wilcox Ltd. offers a flexible Cargo Insurance program that helps cover loss or damage to freight in transit—whether by land, sea, or air. This program also helps limit your commercial clients’ exposure to liability from the shipment of goods, offering protection from loading to unloading.
- Flexible limits available to accommodate a wide range of operations
- Both package and monoline policies available
- Coverage extensions for refrigeration and mechanical breakdown
- Protection during loading and unloading operations
- Coverage for rigging exposures
- Interstate and intrastate filings available for motor carriers
- Nationwide availability across all 50 states and Washington, D.C.
- Specialized coverage for household goods movers
Which type of clients should have an inland marine/cargo insurance policy? And, what does it cover?
Any motor carrier that transports freight from point A to point B should purchase an inland marine/cargo policy. It covers losses to cargo while in the care, custody and control of a carrier, subject to the limitations of the specific policy.
What are common challenges associated with inland marine/cargo insurance policies?
Transporting or shipping cargo can be a particularly daunting task. Many unforeseen perils place the goods being transported at high risk for loss. Recently, claims related to theft of target commodities and other fraud-related losses have been on the rise, which has generated significant loss ratio problems in the inland marine/cargo marketplace.
What information is most important for agents to gather when helping a client select an inland marine/cargo policy?
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.
https://completemarkets.com/company/Amwinsunderwriting/Lawyers-E-O/
LawGold, part of Amwins Program Underwriters, offers E&O insurance coverage for law firms with 1-40 attorneys.
Overview of the Program From Amwins Underwriting
Amwins Underwriting’s LawGold program provides professional liability (Lawyers E&O) designed specifically for small law firms and solo practitioners. The program is geared to firms that need tailored E&O protections, flexible optional enhancements, and access to admitted paper in many states. Coverage is issued through Amwins Program Underwriters and underwritten with an emphasis on straightforward risks and clean or minimal loss histories.
Ideal Accounts and Appetite
Solo attorneys and small law firms of 1–40 attorneys.
Clean or minimal prior loss history; some affirmative consideration for firms with limited, well-managed prior claims.
Solo attorneys or at least one partner should have been admitted to practice for at least two years.
Practices without extensive high-exposure specialties (e.g., mass torts, large transactional platforms, or frequent class actions) are the best fit.
Coverage Highlights and Advantages
Professional liability (errors & omissions) limits appropriate for small law firms.
Electronic media liability included to address risks from online communications and content.
Worldwide coverage available for professional services, subject to policy terms.
Predecessor firm coverage to protect newly merged or reorganized practices.
Optional coverages to broaden protection, including:
Separate limit for claims expenses
Client identity theft coverage
Broadcasters liability
Career coverage
Trustees liability coverage
Gramm-Leach Bliley Act (GLBA) coverage
Lateral hire coverage
Underwriting Notes
Underwriting focuses on the firm’s practice areas, claims history, attorney experience, and risk management controls. Expect underwriters to ask for:
Prior acts and loss history details
Resume or biography for principals/partners showing admission dates and experience
Information on firm procedures for conflicts, client intake, and data security when optional cyber/identity products are requested
Firms with significant or recurrent malpractice claims, high-volume transactional work, complex litigation exposures, or specialty practices outside the program’s appetite may be declined or referred to excess/non-program markets.
Territories and Admitted Status
The LawGold program is available in all U.S. states and Washington D.C. Amwins offers admitted coverage in select states. Admitted coverage is available in: AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV. Non-admitted or excess options may be available in other jurisdictions—confirm state placement options with Amwins underwriting.
Example Accounts That Fit This Program
A two-attorney family law firm with clean prior history seeking a policy that includes electronic media coverage and optional client identity theft protection.
A solo transactional attorney admitted for five years looking for admitted paper in their state and predecessor coverage after a recent firm name change.
Why Work With Amwins Underwriting on Lawyers E&O
Program-focused underwriting tailored for small law firms and solo practitioners.
Admitted paper in many states combined with optional enhancements that let you tailor protection to the client’s exposures.
Simple eligibility guidelines that help agents place straightforward risks quickly.
Access to Amwins’ broader distribution and program resources when accounts need placement support or endorsement tailoring.
For additional program details, application instructions, and submission requirements, refer to the LawGold product page: Click here for additional details about our LawGold program.
Frequently Asked Questions
What types of accounts are a good fit for LawGold?LawGold targets solo attorneys and law firms with 1–40 attorneys that have clean or minimal loss histories and at least one partner or solo attorney admitted for two or more years. Routine practice areas and firms without frequent high-exposure litigation are ideal.
Is admitted coverage available?Yes. Amwins offers admitted LawGold coverage in select states (including AL, AZ, CO, FL, GA, IL, IN, KS, MA, MI, MO, NE, NV, NC, OH, PA, TX, UT, and WV). Availability varies by state—confirm with underwriting at submission.
What optional coverages can I add for a client?Options include a separate limit for claims expenses, client identity theft coverage, broadcasters liability, career coverage, trustees liability, GLBA coverage, and lateral hire coverage. Availability depends on underwriting and the client’s exposures.
What information does underwriting typically require?Underwriters generally request prior acts/loss history, resumes or admissions dates for principals, descriptions of practice areas, and details on firm risk controls—especially if optional cyber/identity protections are requested.
How should I submit a deal or get more information?Submit via your usual Amwins placement channels or contact the Amwins Underwriting team for guidance on eligibility, admitted availability by state, and submission checklists.
Need help placing an account? Connect with a market specialist.