P&C Updates | Q4 2025
Strict underwriting, CAT-weather volatility, and inflation are shaping a “softening hard market” in Property & Casualty. See how E&S growth, capacity trends, and technology are driving change in Q4 2025
Liability (Personal)
Liability (Personal)
Specialized, expertly tailored coverage to protect your clients’ assets.
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 few.
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 few.
INTEL FOR BROKERS
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Expert Q&APersonal Liability Insurance Q&A
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TrendingRise in Dog Bite Claims
Recent Liability (Personal) Wins |
$14,000
TWO SECONDARY COASTAL HOMES FOR A HIGH PROFILE CLIENT
$6,188
$5M PERSONAL UMBRELLA FOR A HIGH PROFILE ENTERTAINER
$5,900
RENTAL DWELLINGS OWNED BY LLC. WITH $5M EXCESS LIABILITY
$5,000
HIGH PROFILE INDIVIDUALS
Areas Of Specialty
Primary Umbrella Coverage
- Admitted and Non–Admitted Coverage
- High Profile Individuals
- Monoline Coverage available
- Uninsured Motorist Coverage
- Challenging Driving Records and DUI’s
- Youthful Driver Coverage
- Limits up to $10 Million
- Prior Claims Eligible
Excess Umbrella Coverage
- High Profile Individuals
- Challenging Driving Records and DUI’s
- Limits to $40 Million and above
- Prior Claims Eligible
Comprehensive Personal Liability
- Monoline coverage available
- Limits to $1 Million
- Prior Claims History
- Farming Exposures
Compreendendo as Prioridades dos Jogadores Modernos
Os jogos de azar online continuam a evoluir rapidamente, com os jogadores buscando experiências digitais mais imersivas, seguras e recompensadoras. O público atual prioriza acessibilidade, confiança e valor de entretenimento acima de tudo, e isso é especialmente evidente na forma como escolhe os os melhores jogos de casino online https://casino-portugal.pt/pt/jogos-de-casino/, que continuam sendo um dos principais fatores nos primeiros estágios de engajamento. À medida que as plataformas introduzem recursos inovadores — como jogos com dealer ao vivo, interfaces móveis avançadas e bônus personalizados — a indústria encontra-se em uma corrida competitiva para oferecer conveniência incomparável. Ao mesmo tempo, sistemas de pagamento aprimorados e estruturas regulatórias mais rígidas reforçam a confiança do usuário, tornando o ambiente mais atrativo tanto para iniciantes quanto para jogadores experientes. À medida que as expectativas aumentam, os operadores de cassinos precisam aperfeiçoar continuamente suas ofertas para manter a satisfação do usuário em longo prazo.
Inovação, Segurança e Estratégias Responsáveis
O futuro dos jogos de azar online é moldado pela inovação tecnológica, padrões de conformidade reforçados e a crescente ênfase em práticas de jogo responsável. As plataformas modernas estão adotando ferramentas baseadas em IA para detectar comportamentos suspeitos, reduzir fraudes e aprimorar a imparcialidade, promovendo um ambiente mais seguro para todos os envolvidos. Além desses avanços técnicos, a criptografia e a verificação de identidade elevaram significativamente os padrões de segurança, incentivando os usuários a interagir com mais liberdade. Paralelamente, estratégias de jogo responsável tornaram-se um foco central, com operadores implementando opções claras de autolimitação, recursos educacionais e caminhos de apoio para usuários que precisam de orientação. Essas medidas promovem uma participação mais saudável e reforçam a sustentabilidade do setor a longo prazo. À medida que a indústria continua a se expandir, o equilíbrio entre entretenimento, transparência e inovação digital determinará quais plataformas se destacarão como verdadeiras líderes no mercado global.
Property Coverage
- One, Two, Three, and Tour Family Dwellings
- Condominium Unit Owners: Occupied or Rented to Others
- Mobile Homes
- Secondary Residences
- Tenants of Multiple Unit Buildings
- Occupants of Apartments
- Vacant Land
Worldwide Personal Injury and Property Damage
Celebrities, Athletes, Politicians, High Profile Figures
Drivers with Multiple Tickets, Accidents or Alcohol Related Offenses Considered
Trusts, Family Partnerships, Sole Proprietorship, and LLP’s
Available Products
- High Value Homeowner’s
- Secondary and Seasonal Homeowner’s
- Recreational Marine
- Private Primary and Excess Flood
- Coastal Homeowner’s
- Unprotected Homeowner’s
- Family Cyber Protection
- Rental Properties
Notice
Product Documents
Featured Expert
Bill Gatewood
Executive Vice President
National Personal Insurance Practice Leader
National Personal Insurance Practice Leader
- Personal Recreation
- Liability (Personal)
- Residential Property
Corporate Senior Vice President and National Personal Practice Leader, Bill Gatewood brings more than two decades of experience in personal lines insurance and high-net-worth risk management. He oversees the organization's Personal…
Read More
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Very professional and personable. When we have an issue, they will do everything in their power to go above and beyond.
Recent Liability (Personal) Wins
$14,000
TWO SECONDARY COASTAL HOMES FOR A HIGH PROFILE CLIENT
$6,188
$5M PERSONAL UMBRELLA FOR A HIGH PROFILE ENTERTAINER
$5,900
RENTAL DWELLINGS OWNED BY LLC. WITH $5M EXCESS LIABILITY
$5,000
HIGH PROFILE INDIVIDUALS
Eligibility Guidelines
Below are the eligibility guidelines for online binding and issuing Cyber Liability:
– Revenue up to $15M accepted
– 138 Industries Accepted
– Excluded Industries include: adult content, auction sites, data processing, debt collection, direct marketing franchisees, healthcare aggregators, online gambling, payment processors, pos technology, search engines and social media.
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Product Guidelines
Honoring a True Pioneer
A BURNS 
WILCOX ASSESSMENT
Article Title
April 16, 2020
Written by
Denis Brady
PRESIDENT, BURNS & WILCOX BROKERAGE
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State of the Liability (Personal) Market
A BURNS WILCOX ASSESSMENT