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Flooding is the most common natural disaster worldwide, with over 40% of all disasters involving flooding. Climate change has also exacerbated the frequency and intensity of flooding, with over 30% of events occurring outside of designated high-frequency flood zones in the past 10 years. Despite its recurring nature and increased severity, flood exposure represents the largest segment of underinsured and…

Americans are passionate about their hobbies, many of which require specialized equipment or include expensive personal property. Burns & Wilcox provides a wide variety of insurance products for hobbyists and enthusiasts that are not available on standard homeowner’s policies. In addition, our agents have access to exclusive partnerships that provide online and phone quoting for these specialty products.

In the ever-growing affluent market, your high-net-worth clients require specialty coverage from a provider with a deep and wide-ranging knowledge of this complex terrain. When standard auto and home polices are not sufficient to properly cover all exposures, Burns & Wilcox has the expertise, industry knowledge and the breadth of products to insure affluent clients, their assets and their lifestyle.

Many basic coverages do not offer the protection your clients need to sufficiently cover their most valuable assets. A Personal Liability plan from Burns & Wilcox provides an additional layer of protection to supplement their current auto/home/marine polices. Comprehensive and customized, a policy from Burns & Wilcox can protect against crippling financial losses in the event of a liability claim or lawsuit due to auto accidents, slip and fall accidents at home, dog bites and trampoline or pool accidents, just to name a…

Home ownership is growing in the U.S. and typically, a home is a family’s largest investment. Residential Property Coverage can be hard-to-place and requires experience and expert knowledge of the category. From simple to more detailed exposures, 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.

We offer a wealth of expertise, market access and capability to continue offering insurance for the marine industry. Within the commercial marine space, there are other classes of business that require expertise and Burns & Wilcox has invested in finding the talent required to underwrite these risks. A policy from Burns & Wilcox provides more complete coverage solution.

Medical and recreational marijuana sales are expected to reach into the billions in the U.S. by 2023. The market’s rapidly changing landscape presents unique risk management considerations for those involved in the cultivation, production, dispensing and sale of cannabis and cannabis-derived products.  Cannabis Coverage through Burns & Wilcox can help your clients manage the unique risks associated with operating regulated dispensaries and nurseries. The coverage also helps manage risks…

The Property Insurance segment has recently faced a severe tightening in capacity and Underwriting guidelines. Multiple years of poor Underwriter performance due to CAT exposures such as hurricanes, wind/hail, wildfires and unprecedented winter weather have contributed to a changing marketplace. Rate increases have become the norm and certain occupancies (habitational, wood working, recycling, etc.) have seen double digit or higher…

Workers Compensation is an absolutely essential line of insurance for all businesses and organizations. Knowing that, Burns & Wilcox has partnered with many of the top “A”-rated workers compensation carriers to provide a broad range of classes to our clients nationwide.

Today’s healthcare industry is faced with a number of new and emerging exposures that are greatly impacting how healthcare providers and organizations evaluate, manage and transfer liability risks in today’s litigious landscape. Burns & Wilcox offers a broad range of specialized healthcare liability products that address healthcare organizations’ financial and reputational risks associated with allegations for wrongful malpractice.

Habitational Insurance has become one of the most difficult insurance segments to market and place. Continued poor underwriter performance has caused many insurance companies to pull out of this area. This has resulted in reduced capacity offerings along with drastic term and rate changes. Unit fires, increased magnitude/frequency of wind/hail/wildfire events and unprecedented winter weather claims have resulted in double-digit…

We provide access to a variety of Errors and Omissions products, aimed at limiting the exposure of business professionals when their clients claim they haven’t performed to expectations. This coverage begins where General Liability insurance ends and hedges the potential financial loss resulting from claims of negligence, poor performance, errors in judgment and any omissions. Burns & Wilcox, a leader…

The once-thriving hospitality industry has gone through significant changes in recent months. Businesses have been shut down, events cancelled and the industry is grappling with how to reopen and regain the momentum they had prior to the economic downturn, all while trying to address sanitizing and new social distancing requirements. Burns & Wilcox helps agents/brokers address not only their insured’s…

Today’s oil & gas / energy industry is faced with unique challenges in order to maintain profitability and stay in business. Many times, insurance costs can be a significant portion of the insureds bottom line. Burns & Wilcox has the carriers, expertise and creativity to help your clients balance insurance costs with appropriate coverage to protect their assets and bottom…

Almost every company faces some kind of environmental exposure. Clients may not have had an environmental claim and they do not handle caustic or hazardous materials, so they believe they do not need coverage. Absence of loss does not mean absence of risk. As a global leader in wholesale insurance with an entire team that specializes in Environmental Insurance, we are…

Product Liability coverage protects manufacturers and distributors when a claim is filed against them for bodily injury and property damage. Whether your insured’s products are made in the United States or imported from abroad we have the expertise and market access to solve your insurance needs. Our team specializes in creative and customized solutions for your hard-to-place, loss-driven accounts.

The construction industry is vast and touches every facet of our lives, from the houses, condos and apartments we live in, to the factories and plants where goods are made.  Heavy construction includes bridges, roads and tunnels. There are specialty subcontractors such as plumbers, electricians, carpenters and painters. At Burns & Wilcox, if it can be built, we can provide liability…

Over the last decade, the Transportation industry has witnessed extreme challenges in securing adequate and cost-effective insurance solutions. The transportation professionals at Burns & Wilcox have significant experience in finding the right coverage at competitive rates through long standing relationships with highly specialized transportation insurance partners. We can secure proposals for first dollar to small and large deductible options. Many…

All businesses need to protect themselves from third-party property damage and bodily injury liability claims. At Burns & Wilcox, we have a solution for your General Liability and Excess Liability needs no matter the type of business or industry in which the insured is involved.

Cyber security threats are consistently ranked a top issue for organizations worldwide. While technological advancements bring about new innovations and stronger security capabilities, threats remain a constant cause for vigilance. Whether your clients are confronting the increased costs of managing a data breach, defending against ransomware attacks or operating in a world of changing privacy regulation, our experts will work…

Today’s Directors, Officers and Management face a multitude of workplace-related liabilities. We offer the industry’s most comprehensive and robust list of specialty insurance solutions to meet their needs and protect them from risk. From policies that protect company managers against claims by employees, shareholders and regulators, to reimbursement for losses due to kidnap, ransom, wrongful detention and other security threats/events,…

Design and engineering work can often be a complicated process involving multiple parties with extremely high expectations. In an ever evolving industry with intense scrutiny and rigid demands, design professionals, contractors, and engineers are facing increased risk of litigation. To ensure the appropriate parties are protected, it is important to tailor coverage to adequately limit your clients exposure to the risks…