Webinar: P&C Market Outlook Q2 2025
The Property & Casualty (P&C) insurance landscape is evolving, shaped by shifting market conditions, emerging risks, and changing carrier appetites. Watch the Burns & Wilcox P&C Market Outlook Q2 2025
Liability (Personal)
Expert, Comprehensive Personal Liability Coverage
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.
We provide Comprehensive Personal Liability Programs that protect High-Value Homeowners and Hard-to-Place Homeowners alike. Whether it is for personal umbrella, private collections, special events or property coverage, you’ll find a policy to cover any personal risk.
We provide Comprehensive Personal Liability Programs that protect High-Value Homeowners and Hard-to-Place Homeowners alike. Whether it is for personal umbrella, private collections, special events or property coverage, you’ll find a policy to cover any personal risk.
Recent Liability (Personal) Wins |
$20,000
ROOFER
$2,900
$10M UMBRELLA LIMIT FOR HIGH NET WORTH INDIVIDUALS
$1,700
$10M UMBRELLA LIMIT FOR HIGH NET WORTH INDIVIDUAL
$1,400
$5M UMBRELLA LIMIT FOR FOREIGN INDIVIDUAL
Areas Of Specialty
Personal Umbrella 
-
-
- Extend to US Locations and vehicles
- Up to $10M Excess
-
Personal Articles Floaters 
- Collections Â
- Fine Art Â
- Jewelry Â
- Furs Â
- Extremely Valuable Heirlooms Â
- Memorabilia
- Cameras
- Musical Instruments
- Wine Collections
- Diamond Rings
Property Coverage 
- One, Two, Three, and Tour Family Dwellings Â
- Condominium Unit Owners: Occupied or Rented to Others Â
- Mobile Homes Â
- Secondary Residences Â
- Tenants of Multiple Unit Buildings Â
- Occupants of Apartments Â
- Vacant Land 
Worldwide Personal Injury and Property Damage 
Celebrities, Athletes, Politicians, High Profile Figures 
Trusts, Family Partnerships, Sole Proprietorship, and LLP’s 
Available Products
- Personal Umbrella
- Comprehensive Personal Liability 
- Property Coverage 
- Personal Articles Floater 
- Excess Coverage
- Accident and Health
- Kidnap and Ransom
Notice
Product Documents
Featured Expert
Michelle Allemang
Manager, British Columbia
National Product Leader, Personal Insurance
National Product Leader, Personal Insurance
- Residential Property
- High-Value Solutions (Personal)
- Liability (Personal)
With seven years of hard-to-place personal property and liability underwriting experience, Michelle manages the Western Canada Personal Insurance Practice for Burns & Wilcox Canada. She is committed to providing creative…
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Your Local Team |
Senior Underwriter, Commercial Insurance
Atlantic Division
Atlantic Division
Manager, St. John's
Atlantic Division
Atlantic Division
Manager, British Columbia
National Product Leader, Personal Insurance
National Product Leader, Personal Insurance
Associate Manager, Commercial & Personal Insurance
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The Underwriters are very educated on their product offerings and they try their best to find solutions. They are also very responsive by phone and email which I find very important in putting together proposals.
Recent Liability (Personal) Wins
$20,000
ROOFER
$2,900
$10M UMBRELLA LIMIT FOR HIGH NET WORTH INDIVIDUALS
$1,700
$10M UMBRELLA LIMIT FOR HIGH NET WORTH INDIVIDUAL
$1,400
$5M UMBRELLA LIMIT FOR FOREIGN INDIVIDUAL
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 BURNSÂ 
WILCOX ASSESSMENT
Article Title
April 16, 2020
Written by
Denis Brady
PRESIDENT, BURNS & WILCOX BROKERAGE
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“Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?”
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State of the Liability (Personal) Market
A BURNSÂ WILCOX ASSESSMENT