Amwins, the largest specialty insurance wholesaler, has released its much-anticipated 2025 State of the Market report. This in-depth analysis offers the latest intelligence on rate movements, capacity, and coverage trends across various sectors, helping brokers and businesses navigate an ever-evolving insurance environment. The report covers multiple lines of business including property, casualty, professional lines, reinsurance, and specialty sectors like cyber, construction, and energy. As emerging risks and macroeconomic trends shape the market, Amwins offers guidance to help clients anticipate and adapt to upcoming changes.

Key Insights From the 2025 Market Outlook

The report highlights several important market dynamics that brokers and agents need to consider as they strategize for the coming year:

• Excess & surplus (E&S) markets: The E&S sector is expanding, fueled by the demand for solutions addressing complex, non-standard risks. Technological advancements and data-driven underwriting are expected to play a key role in its continued growth in 2025.
• Property market trends: Despite the recent impacts of Hurricanes Helene and Milton, the property market is seeing signs of softening. Increased capacity and more flexible terms are allowing for a reshaped approach to placements.
• Casualty market challenges: Social inflation and litigation trends continue to exert pressure on pricing, particularly within excess casualty. Amwins reports a surge in alternative risk strategies and innovative underwriting solutions to combat these pressures.
• Professional lines evolution: New entrants are intensifying competition in professional lines, particularly Directors & Officers (D&O) insurance. While private D&O policies are benefitting from price reductions, sectors like telemedicine and healthcare continue to face challenges.
• Reinsurance stability: Despite consecutive hurricane events, the reinsurance market remains stable. Rates are expected to hold steady, though attachment points are tightening, and innovations in modeling are enhancing underwriting precision.
• MGA marketplace growth: The Managing General Agent (MGA) landscape is experiencing vibrant growth, with an increasing focus on specialization. New programs aimed at underserved markets are creating fresh opportunities for growth.

Amwins’ Strategy for Navigating Change

Amwins is leveraging its deep expertise and proprietary tools, such as Amwins DNA, to provide tailored solutions across various industries. With over 100 underwriting programs and a global presence, Amwins is positioned to support clients with unique insights and specialized services. About Amwins Amwins is the largest independent wholesale distributor of specialty insurance products in the U.S., serving retail insurance agents with a wide range of property, casualty, and specialty group benefits. Based in Charlotte, N.C., Amwins operates through more than 155 offices worldwide and handles over $39 billion in premium placements annually. For more information, visit amwins.com.  

Comprehensive program provides coverage for home health care workers actively helping seniors where they need it most

Amwins Program Underwriters (APU), part of the Amwins Underwriting division, today announced the launch of their new Home Health Care HNOA program designed to provide hired and non-owned auto liability coverage for home health care operations. This specialized HNOA program is designed to tackle the distinct hurdles faced by providers when delivering vital services to patients in their homes. Home health care continues to grow in popularity as more seniors opt to stay in their homes longer, and more medical procedures allow for at-home recovery. Caregivers are often the lifeline that keeps seniors in local communities connected and thriving. As the healthcare marketplace continues to evolve, and potential for expanding risks grow, it’s important to work with specialists who know and understand the business,” said Julie Reisinger, program manager at APU. “Our commitment lies in being solutions-driven partners, dedicated to crafting tailored coverage for your insureds, ensuring long-term protection. At Amwins, our healthcare specialists are deeply entrenched in the market, fostering strong relationships with top-rated carriers, empowering us to offer your clients the precise coverage they require.” Coverage is available in all states except Louisiana and includes standalone hired and non owned auto liability with limits up to $5 million. Classes of business include:

• Visiting Nurses
• Doctors / Nurse Practitioners
• Physical Therapists
• Counseling / Mental Health
• Occupational Therapists
• Blood Delivery Services
• Phlebotomists
• Any In-Home Medical Related
• Dialysis Technicians
• Massage Therapists
• Non-Medical Home Assistants
• Hospice Care

Accounts offering client/patient/passenger transport are not eligible for this program. For more information visit APU: Home Health Care HNOA.

About Amwins Program Underwriters

Amwins Program Underwriters (APU) is a managing general agency (MGA) specializing in affinity and program management. For more than 30 years, APU has developed and maintained programs for a variety of niche markets that provide broad-based property and casualty coverage. Today, the company administers over 35 programs, generating premiums in excess of $550 million. For more information, visit www.amwins.com/apu.

About Amwins

Amwins is the largest independent wholesale distributor of specialty insurance products in the U.S., dedicated to serving retail insurance agents by providing property and casualty products, specialty group benefit products, and administrative services. Based in Charlotte, N.C., the company has 7,300 employees, operates through more than 155 offices globally and handles premium placements in excess of $33 billion annually.

CHARLOTTE, N.C. (Apr. xx, 2023) – Amwins, a global distributor of specialty insurance products and services, today announced it has hired Tisha L. Baptist to join Trinity Underwriting Managers (TUMI), part of Amwins Underwriting. TUMI specializes in designing, marketing and underwriting niche transportation programs on a nationwide basis through a network of appointed retail agents. As a program administrator and wholesale broker dedicated exclusively to niche and hard-to-place transportation risks, TUMI has built trusted relationships with more than 20 “A” rated carriers. In her new role, Tisha will focus on renewal underwriting for TUMI’s towing, sand and gravel programs, helping build relationships in the Midwest and beyond. "We are delighted to bring Tisha on board," said Stephen Standing, executive vice president at TUMI. "Tisha has a tremendous level of experience and expertise in the transportation sector and having her on our team will enhance our ability to provide best-in-class support to our clients, carriers and retail partners." Tisha joins TUMI from AIG where she worked as a senior underwriter responsible for a large fleet book of business valued at over $11 million. She brings 13 years of insurance experience holding various underwriting roles within AIG. TUMI is backed by Amwins and is an integral part of Amwins’ Underwriting division which specializes in offering retail agents an array of P&C programs for specific product lines, industry segments and business types. About Amwins Amwins is the largest independent wholesale distributor of specialty insurance products in the U.S. dedicated to serving retail insurance agents by providing property and casualty products, specialty group benefit products, and administrative services. Based in Charlotte, N.C., the company operates through more than 155 offices globally and handles premium placements in excess of $29 billion annually. For more information, visit amwins.com.   For further information contact: Amwins Lisa Kuszmar Telephone: 704.749.2780 Email: lisa.kuszmar@amwins.com