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AmWINS Group, Inc.

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Program Details -

Specialty Insurance Advantage


Specialty Insurance Advantage, available exclusively through Specialty Programs & Facility Managers (SPFM), is a non-profit California Mutual Benefit Corporation which was created to provide insurance funds to purchase property and other coverages on behalf of its members. The program is tailored specifically to meet the needs of owners and managers of residential and commercial real estate.

Target Clients:

  • Apartment owners and commercial lessors risk
  • Complexes with 1,000 units or less


  • Property
  • General liability
  • Premises environmental liability
  • Umbrella


  • $500,000,000 blanket limits for property
  • $1,000,000/$2,000,000 per occurrence, per location in the aggregate for general liability
  • $250,000 per loss per location/$250,000 aggregate per location with a $25 million program aggregate for premises environmental liability
  • $5,000,000 to $25,000,000 per occurrence/aggregate for umbrella


  • Five-year loss history running 50% or less
  • Risks with water damage claims subject to underwriting review
  • Supplemental application


  • Blanket property limits
  • No coinsurance - built in coverages such as building ordinance and earthquake sprinkler leakage
  • No general liability deductible
  • General liability and umbrella limits per location
  • Can also write 1-4 units and mixed-use properties

Real Estate, Property, Commercial, Residential, Apartment, Complex, Unit, Water, Damage, Sprinkler, Leak, Earthquake, Lessor, Lease, Rent

Locations Served : Arizona, California, Colorado, Nevada, Oregon, Utah, Washington