--- title: "Burns & Wilcox Insurance Review [Updated 2026]" description: "One of the largest independent-owned insurance wholesalers in the U.S., Burns & Wilcox offers homeowners policies for difficult to insure properties, including flood risks, as well as specialty autos and collections." canonical: "https://www.coveragecat.com/reviews/burns-wilcox-insurance-review" last-updated: "2026-08-13" --- # Burns & Wilcox Insurance Review [Updated 2026] 1. [Introduction to Burns & Wilcox Insurance](#introduction) 2. [What Kinds of Insurance Does Burns & Wilcox Offer?](#kindsofinsurance) 3. [How Does Burns & Wilcox Insurance Work?](#howdoesitwork) 4. [Pros and Cons of Burns & Wilcox Insurance](#proscons) 5. [Ratings and Customer Feedback for Burns & Wilcox Insurance](#ratings) 6. [Get Customer Support Or File A Claim For Burns & Wilcox Insurance](#customersupport) 7. [Frequently Asked Questions](#faq) ### Introduction to Burns & Wilcox Insurance Burns & Wilcox, one of the largest independent-owned insurance wholesalers in the country, was established in 1969 by Herbert W. Kaufman [(Wikipedia, "Burns & Wilcox", 2024)](https://en.wikipedia.org/wiki/Burns_&_Wilcox). The company operates as the flagship subsidiary of H.W. Kaufman Financial Group, which employs over 2,000 professionals across more than 60 offices in North America, the United Kingdom, Europe, and the Middle East [(LinkedIn, "Burns & Wilcox", 2026)](https://www.linkedin.com/company/burns-&-wilcox). Burns & Wilcox offers wholesale Property and Casualty insurance policies as well as brokerage services such as underwriting management. The company operates throughout the U.S. and sells its policies through retail brokers. According to [Ibid.](https://www.linkedin.com/company/burns-&-wilcox), Burns & Wilcox annually captures more than $2.4 billion in premium while placing sophisticated and complex risks. The company has subsidiaries that offer multiple types of insurance and services, including Burns & Wilcox Brokerage, Burns & Wilcox Canada, Attain Insurance Companies, RB Jones, Stonemark, Minuteman Adjusters, H.W. Kaufman Group Europe, Chesterfield Group, Lochain Patrick, Burns & Wilcox United Kingdom, and Node International. ### What Kinds of Insurance Does Burns & Wilcox Offer? Burns & Wilcox offers commercial and personal insurance on both an admitted and non-admitted basis [(Burns & Wilcox, "Wholesale Insurance Solutions", 2024)](https://www.burnsandwilcox.com/solutions/). The policies they sell on a non-admitted basis have more flexibility to offer additional coverage that admitted carriers cannot offer. Whether it is selling on an admitted or non-admitted basis, Burns & Wilcox sells all its insurance through brokers. Burns & Wilcox offers coverage for homeowners and [renters](https://www.burnsandwilcox.com/practice_area/personal/) as well for hard-to-place property and high-net-worth individuals. It also offers umbrella policies and [add-on policies for personal valuables such as jewelry, collectible cars, second homes, rental homes, wine collections, sports memorabilia, and more](https://www.burnsandwilcox.com/Downloads/S00155.pdf). Through a subsidiary, Burns & Wilcox offers [personal cyber protection for individuals, children, and home network devices](https://www.burnsandwilcox.com/exclusive-cyber-program-from-burns-wilcox/). These services include round-the-clock monitoring of financial, medical, and social data as well as investigative and legal support in the event of identity theft. | Product Category | Coverage Types | Target Market | |-----------------|----------------|---------------| | Residential Property | Homeowners, rental properties, vacation homes, coastal homes, Airbnbs, condos | High-net-worth individuals, hard-to-place properties | | Personal Liability | Umbrella policies (up to $10 million), comprehensive personal liability programs | High-profile individuals, mid-range to high-value homeowners | | Personal Valuables | Jewelry, collectible cars, wine collections, sports memorabilia, art | Affluent clients with specialty assets | | Auto Insurance | High-value vehicles, collectibles, non-standard drivers, high liability limits | Drivers with poor records or specialty vehicles | | Flood Insurance | Private market flood, NFIP options, excess flood above NFIP limits | Properties in and outside flood zones | | Cyber Protection | Identity theft monitoring, financial and medical data protection | Individuals and families | ### Does Burns & Wilcox Sell Auto Insurance? Burns and Wilcox specializes in [high-value auto insurance](https://www.burnsandwilcox.com/specialties/high-value-solutions/) for non-standard, high-value or collectible vehicles. It also sells policies to drivers with poor driving records or for high liability limits. Burns & Wilcox may offer discounts for insuring multiple vehicles, for good driving records, or for drivers who have completed a defensive driving course. ### Does Burns & Wilcox Sell Homeowners Insurance? Burns & Wilcox offers homeowners policies and also offers [a wide variety of additional coverages](https://www.burnsandwilcox.com/specialties/residential-property/), including vacation homes, coastal homes, and Airbnbs. They offer policies with high deductibles, properties with a prior claims history, and condominiums, to name a few. According to [(Burns & Wilcox, "Wholesale Insurance for Residential Property", 2025)](https://www.burnsandwilcox.com/specialties/residential-property/), target classes include homeowners with financial instability, lower and high value homes, homes with minor maintenance issues or claims histories, homes under construction or renovation, secondary homes, rental properties, and protection class 9-10 locations. If you need coverage for [expensive equipment or property that is used for recreation](https://www.burnsandwilcox.com/specialties/personal-recreation/), for example power boats, motorcycles, or snowmobiles, you should research options at Burns & Wilcox. Given that [40 percent of flooding occurs outside of flood zones](https://www.burnsandwilcox.com/insurance-market-source-magazine/), home owners should consider flood insurance. Homeowners policies from Burns & Wilcox can [underwrite higher risk areas and offer an excess flood option](https://www.burnsandwilcox.com/insights/preparing-for-storms-private-flood-insurance-a-necessity/?utm_source=Website&utm_medium=IMS+Publication&utm_term=20240820) above the National Flood Insurance Program (NFIP) limits, through a partnership with [Hiscox Insurance](https://www.burnsandwilcox.com/burns-wilcox-to-launch-hiscox-floodplus-product-via-issuequick-proprietarty-automated-digital-platform/), as well as extensive expertise in modeling risks and broad geographic knowledge. In April 2025, Burns & Wilcox launched an exclusive high-value homeowners product in partnership with Atain Insurance Companies in California, Colorado, Florida, and Gulf and Atlantic states [(Burns & Wilcox, "Burns & Wilcox Launches New Exclusive High Value Homeowners Product", 2025)](https://www.burnsandwilcox.com/burns-wilcox-launches-new-exclusive-high-value-homeowners-product/). According to [(Ibid., "Wholesale Insurance for Residential Property", 2025)](https://www.burnsandwilcox.com/specialties/residential-property/), condominium coverage includes property limits up to $100,000, contents up to $200,000, and umbrella limits up to $10 million. Personal Cyber Coverage on primary homes is included along with water backup, replacement cost for contents, and mold endorsements. ### Does Burns & Wilcox Sell Liability Insurance? A [personal liability plan](https://www.burnsandwilcox.com/practice_area/personal/) from Burns & Wilcox can provide supplemental liability coverage on top of existing auto, home, or marine policies. These add-on policies can protect policyholders from lawsuits or claims in case someone has an accident in their homes or the policyholder is involved in a car accident. Its umbrella policies are offered on an admitted or non-admitted basis. Non-admitted policies can be customized and may be appropriate for high-profile or high-net-worth individuals, or poor or inexperienced drivers. Burns & Wilcox can also provide comprehensive personal liability programs that protect high-value and mid-range homeowners by covering autos; boats or other recreational vehicles or equipment; jewelry, art, wine or other collections; or special events. Customized policies may be sold on a non-admitted basis, and in the event the insurer becomes insolvent, the policyholder will not be able to access state guaranty funds. ### How Does Burns & Wilcox Insurance Work? Burns & Wilcox sells policies [exclusively through retail brokers](https://www.burnsandwilcox.com/find-a-contact/). If you live in California, Florida, New York, Texas, or Washington, you can work with Coverage Cat to get Burns & Wilcox quotes online. ## Pros and Cons of Burns & Wilcox Insurance

Pros

Cons

## Ratings and Customer Feedback for Burns & Wilcox Insurance Burns & Wilcox operates as a wholesale broker rather than a direct insurance carrier, which affects the type of ratings and customer feedback available. The company primarily works through independent agents and brokers rather than directly with consumers. | Rating Source | Score | Details | |--------------|-------|---------| | AM Best (Atain Insurance) | A (Excellent) | Financial strength rating for Atain Insurance Companies, a partner carrier backing Burns & Wilcox programs | | Better Business Bureau | Not Rated | Not BBB accredited; insufficient information available | | Glassdoor Employee Rating | 3.8 out of 5 | Based on 398 company reviews; in line with industry average of 3.6 | | Annual Premium Volume | $2.4 billion | Demonstrates market scale and broker confidence | According to [(Glassdoor, "Burns & Wilcox Reviews", 2026)](https://www.glassdoor.com/Reviews/Burns-and-Wilcox-Reviews-E24197.htm), Burns & Wilcox receives employee ratings of 4.0 out of 5 for work-life balance and 3.9 for culture, values, and career opportunities. The company is recognized by the industry for its market leadership position. Burns & Wilcox remains the largest personal insurance wholesaler in the U.S. based on annual premium written [(Burns & Wilcox, "Burns & Wilcox Launches New Exclusive High Value Homeowners Product", 2025)](https://www.burnsandwilcox.com/burns-wilcox-launches-new-exclusive-high-value-homeowners-product/). The company's partnership with Atain Insurance Companies provides financial backing through an AM Best A-rated carrier [(H.W. Kaufman Group, "Our Companies", 2024)](https://www.hwkaufman.com/our-companies/). According to [(Insurance Journal, "Burns and Wilcox Archives", 2025)](https://www.insurancejournal.com/topics/burns-and-wilcox/), A.M. Best upgraded Atain Specialty Insurance Co.'s issuer credit ratings to 'a+' from 'a' and affirmed its financial strength rating of A (Excellent). ## Get Customer Support Or File A Claim For Burns & Wilcox Insurance Burns & Wilcox maintains an in-house claims team that serves as an advocate for brokers, agents, and insureds [(Burns & Wilcox, "Claims", 2024)](https://www.burnsandwilcox.com/claims/). The claims team can interact directly with retail agents while serving as a liaison to carriers, third-party administrators, and claims organizations. Claims should be submitted via the company's online form or by email to the dedicated claims email address. Some policies require direct reporting to carriers per policy provisions, so policyholders should review their specific policy documents. For general customer support or policy questions, policyholders should contact their retail broker or agent who placed the coverage. Burns & Wilcox operates exclusively through retail brokers and does not provide direct-to-consumer service. ## Frequently Asked Questions ### **Is Burns & Wilcox good insurance?** Burns & Wilcox is a leading wholesale insurance broker specializing in hard-to-place risks and high-value properties. The company offers extensive coverage options through partnerships with financially strong carriers like Atain Insurance Companies, which holds an AM Best A rating. Burns & Wilcox insurance reviews indicate the company excels at providing customized solutions for properties that standard carriers decline, including homes in catastrophe-prone areas, high-net-worth individuals, and specialty assets. With over $2.4 billion in annual premium and a position as the largest personal insurance wholesaler in the U.S., Burns & Wilcox insurance demonstrates strong market confidence. ### **Should I Buy Burns and Wilcox Insurance?** With the increase in catastrophic weather events, insurers are raising prices, lowering coverage options, and even pulling out of markets. Because Burns and Wilcox operates on an admitted and non-admitted basis, it may have options for homeowners insurance that an admitted carrier cannot offer. Also, if you are a high net worth individual and need coverage for a specific item, it may be worth looking into Burns & Wilcox. Let [Coverage Cat](https://www.coveragecat.com/) do the research to help you find the best policies, coverage, and price for your personal financial situation. We search across dozens of major insurers and use data science to compare millions of real quotes. ### **Is Using Burns and Wilcox Worth It?** If you need [coverage beyond standard auto and home policies](https://www.burnsandwilcox.com/specialties/high-value-solutions/), it may be prudent to look into Burns & Wilcox, which has expertise, knowledge, and experience in insuring high-net-worth clients. The company offers more than 300 insurance products and services for complex and challenging coverage solutions [(Ibid., "Wholesale Insurance Solutions", 2024)](https://www.burnsandwilcox.com/solutions/). ### **What is Burns & Wilcox insurance rating?** Burns & Wilcox itself is a wholesale broker and does not carry an AM Best rating. However, the company partners with financially strong carriers. Atain Insurance Companies, a key partner carrier within the H.W. Kaufman Group that backs many Burns & Wilcox programs, holds an AM Best financial strength rating of A (Excellent) [(H.W. Kaufman Group, "Our Companies", 2024)](https://www.hwkaufman.com/our-companies/). This rating indicates strong financial capacity to meet policyholder obligations. ### **How do Burns & Wilcox insurance claims work?** Burns & Wilcox maintains an in-house claims team that works as an advocate for brokers, agents, and insureds [(Burns & Wilcox, "Claims", 2024)](https://www.burnsandwilcox.com/claims/). Claims can be submitted through the company's online form or via email to the dedicated claims address. The claims team interacts directly with retail agents and serves as a liaison to carriers and claims organizations. Some policies require direct reporting to the carrier per policy provisions, so policyholders should review their specific policy documents. ### **How does Burns & Wilcox make money?** [Burns & Wilcox makes money](https://www.burnsandwilcox.com/faq/) through commissions and fees paid by insurance companies and clients. It also receives interest from the commissions and fees it invests. It charges fees for insurance-related services and courses. ### **Are there Burns & Wilcox insurance complaints?** Burns & Wilcox is not BBB accredited and the Better Business Bureau does not have sufficient information to issue a rating [(Better Business Bureau, "Burns & Wilcox, Ltd. BBB Business Profile", 2026)](https://www.bbb.org/us/la/metairie/profile/insurance-companies/burns-wilcox-ltd-0985-33429). Because the company operates as a wholesale broker rather than directly serving consumers, traditional consumer complaint databases have limited information. Policyholders with concerns should contact their retail broker who placed the coverage or the Burns & Wilcox claims team directly.