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/Demolition-Contractors/
Amwins Program Underwriters' Demolition Contractors program through Amwins Underwriting is a specialty placement for demolition, wrecking and salvage contractors. As a managing general agency, Amwins offers a focused package that combines general liability, auto, pollution, and excess liability to address the primary exposures of demolition operations. The program targets established demolition contractors and provides specialty underwriting, loss-control support, and superior claims handling via an AM Best "A" rated carrier.
Overview of the Program from Amwins Underwriting
This program is designed for contractors who perform demolition and salvage work as their primary business. Coverage can include:
Commercial General Liability
Automobile Liability (including pollution-contaminant liability on autos)
Pollution liability (operations-related)
Excess/Umbrella limits to broaden protection
Limits are competitive for this class: General Liability up to $1,000,000 per occurrence / $2,000,000 aggregate and Automobile up to $1,000,000 CSL. General Liability is placed on non-admitted paper; other lines are typically written on admitted paper.
Ideal Accounts and Appetite
This program is a strong fit if your client meets the following:
At least 75% of gross receipts are from demolition-related activities.
Primary operations include selective demolition, structure dismantling, salvage, and site clearance without high-hazard methods.
Clients who handle recycling of construction debris, excavation, or grading as incidental operations (collectively up to 25% of GL receipts).
Examples of good-fit accounts:
A mid-sized contractor performing commercial interior and selective structural demolition with on-site salvage and debris recycling.
A salvage operator who specializes in controlled dismantling and scrap recovery with limited subcontracting.
Underwriting Notes and Restrictions
Minimum premium: $10,000 for General Liability.
Subcontracting limits: not eligible if more than 25% of demolition operations are subcontracted to others.
Ineligible operations: wrecking-ball demolition and blasting performed by the insured are excluded.
Inspections and loss control reviews are commonly required for new and renewal accounts.
Coverage Advantages
Program tailored specifically to demolition/salvage exposures rather than placed in a broader construction marketplace.
Access to admitted wording for most lines (GL on non-admitted paper only) with an AM Best "A" rated insurer behind the program.
Local rating and underwriting decisions through Amwins' specialty team and superior claims and loss control service designed for this class.
Territories and Availability
Available in all U.S. states except Alaska (AK) and Hawaii (HI). Underwriting availability and specific terms may vary by state due to regulatory differences.
Why Place This Business with Amwins Underwriting
As a managing general agency, Amwins Underwriting brings niche expertise in demolition risks, strong carrier relationships, and dedicated service for agents. Use this program when you need a market that understands demolition exposures, will consider packaged liability/auto/pollution placements, and can offer excess capacity for larger accounts.
Frequently Asked Questions
What types of demolition contractors are a good fit for this program?Contractors whose primary business (at least 75% of receipts) is demolition, wrecking, salvage or selective dismantling and who do not perform blasting or wrecking-ball work. Incidental excavation, grading and debris recycling are acceptable up to 25% of GL receipts.
Is General Liability placed admitted or non-admitted?General Liability for this program is generally placed on non-admitted paper; other lines such as auto and pollution are typically placed on admitted paper. Final placement depends on state availability and underwriting.
What are the key underwriting requirements I should expect?Expect a minimum GL premium of $10,000, subcontracting limits (no more than 25% of demolition operations subcontracted), and routine loss-control reviews or inspection reports for new or higher-exposure accounts.
Are blasting, wrecking ball, or heavily subcontracted jobs eligible?No. The program excludes blasting and wrecking-ball operations performed by the insured, and it will not accept accounts where more than 25% of demolition operations are subcontracted out.
Need help placing an account? Connect with a market specialist.