Abundant capacity, decelerating Property rates, and increasing competition are defining the P&C market in Q3 2026. Explore the trends shaping underwriting, coverage, and pricing.Â
Personal
Comprehensive Coverages for your clients’ most treasured and valuable possessions.
From items as big as a home to as small as a pair of earrings, personal insurance makes sure that whatever your client invests in, it will always be protected.Â
We provide Comprehensive Personal Liability programs that protect High-Value Homeowners and Mid-Range Homeowners alike. Whether it is for auto, recreation, private collections, special events or property coverage, you’ll find a policy to cover any personal risk.Â
Personal Solutions
Many forms of recreation require specialized equipment or include expensive personal property. Personal Recreation Coverage from Burns & Wilcox goes beyond standard homeowner’s policies to provide coverage for recreational enthusiasts.
Burns & Wilcox provides a deep and wide-ranging grasp of the industries’ complexities and can offer solutions for a substantial variety of Residential Property Coverage needs.
The Burns & Wilcox Flood Practice Group offers a wide array of customized Flood Insurance products across some of the most expansive Private Flood markets in the United States.
High-net-worth individuals are often under-insured and have inadequate coverage as their unique exposures have policies written with carriers not familiar with the affluent marketplace.
Burns & Wilcox can help brokers and agents strengthen their position as trusted insurance advisors by connecting you to specialty insurance products designed for your affluent clients.
Liability coverage from Burns & Wilcox goes beyond most basic coverages to offer the protection your clients need to sufficiently cover their most valuable assets.
Very professional and personable. When we have an issue, they will do everything in their power to go above and beyond.
Our Personal Intel
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Competitive conditions, expanded carrier appetite, and stabilizing pricing are creating new opportunities in the Personal Insurance market. Explore the trends shaping underwriting, risk mitigation, Flood Insurance, and coverage decisions in Q3 2026.
Inside This Article: A recent lawsuit alleges a teen suffered serious injuries after jumping into a pool during a senior skip-day party at a home in Arizona. The lawsuit claims the homeowners were aware of the party, which allegedly included underage drinking and had more than 100 attendees. Homeowners Insurance can help respond to third-party bodily injury lawsuits, including legal…
Continued rate softening and the return of admitted market capacity is reshaping the Personal Insurance market. In our recent P&C Market Outlook webinar, Ryan Connolly, Regional Practice Group Leader, Personal Insurance, Burns & Wilcox, Nashville, Tennessee, discussed why carriers are approaching technical rate floors and what that could mean for market conditions in the months ahead. Watch a highlight from…
Softening Property rates, catastrophe exposures, and evolving underwriting priorities are creating new challenges and opportunities across the insurance marketplace. Watch the Q3 2026 P&C Market Outlook recording for expert insights on: Property market conditions and weather-driven trends Casualty market competition and changing carrier appetite Professional Liability developments, including Cyber, D&O, EPLI, and AI-related exposures Strategies for building stronger submissions and…
Scenario 1:Â A coastal community is hit by a hurricane, leaving many homes and businesses with extensive wind damage and flooding. RELATED STATS: Hurricane impacts can range from minor wind damage on a roof to a total loss, especially in cases of catastrophic flooding. U.S. homeowners collectively spend approximately $20 billion per year repairing their homes after storms. SOLUTION: Homeowners…
Inside This Article: Weather-related losses continue to drive summer Homeowners Insurance claims as severe storms become more frequent and costly. Many homeowners remain vulnerable to flood losses because standard Homeowners Insurance policies typically exclude flooding. Liability exposures from pools, trampolines, and other summer activities can create significant financial risks for homeowners. Regular policy reviews can help homeowners identify coverage gaps and ensure protection keeps pace…
Why It Matters: Many homeowners know their home\'s market value but may not understand what it would cost to rebuild it. Knowing replacement cost estimates can help determine the amount of insurance needed to repair or rebuild a home after a covered loss.  Rising construction costs, evolving building codes, and home improvements can all increase rebuilding expenses. Additionally, increased demand following a catastrophic event—such as a hurricane, flood, or wildfire—may drive costs even higher. These factors can create potential…
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