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AVAILABLE ON VICTOR FOR AGENTS

Excess & Surplus

Specialty risks call for specialty coverage. And to meet these risks, businesses may need insurance protection that can go beyond the bounds of traditional insurance.

Coverage outside the scope of traditional insurance

Unique and hard-to-place risks carry high-risk exposures. 

That's why Excess & Surplus coverage options through Victor for Agents are available to ensure your clients have the essential protection they need, even when standard insurance policies fall short.

Note: This coverage is offered to agents/brokers through our Victor for Agents platform. 

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Victor for Agents reaffirms our commitment to agents with an intuitive user interface, fast return on quotes, end-toend quote, bind and policy issuance, and access to multiple top insurance providers and competitive products.

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Below are details for some of the most common industries we can write. Check out our class code guide for the full list.
  • Available nationwide except AK & HI*
  • Monoline Property and Monoline General Liability are available.
  • Property available for coastal risk

*Vacants/Restaurants not available in D.C.
 

Contractors

  • General Liability limits up to $1M/$2M
  • Blanket AI, Waiver of Subrogation, Primary and noncontributory available automatically
  • No limit to subcontractor cost
  • Up to $5M in gross sales
  • New Ventures and remodelers eligible

Real Estate

  • General Liability limits up to $1M/$2M and Excess limits up to $5M
  • Property up to $5M TIV per policy ($10M TIV in select states dependent on carrier)
  • Wind deductible as low as 1%
  • Properties less than 30% occupied
  • Constructed after 1850 to 1900 depending on risk type.
  • Lessor's Risk, dwellings, apartments, condominium and home owner associations, mixed-use buildings, self-storage facilities and vacant properties all eligible

 

Restaurants, Bars & Taverns

  • General Liability limits up to $2M/$2M
  • Property up to $5M TIV per policy ($10M TIV in select states dependent on carrier)
  • Diverse exposures include dance floors and table service
  • Business Personal Property, Equipment Breakdown and Business Interruption available

Manufacturing

  • General liability limits up to $1M/ $2M
  • Includes products liability (up to $2M products/completed ops)
  • Additional insured – vendors available
  • Deductibles starting at $500
  • Annual revenue up to $5M
  • New ventures acceptable
  • Commercial & Contract manufacturing eligible

Retail & Services

  • General liability limits up to $1M/$2M
  • Property up to $5M TIV per policy ($10M TIV in select states dependent on carrier)
  • New Ventures Eligible
  • Additional coverages such as BPP, Products-completed operations, Inland Marine, Spoilage and Business Income w/Extra Expense available.
  • Beauty, barber, nail salons, food trucks, refreshment stands, mobile concession stands, convenience, grocery, gas stations, beer, wine, and liquor stores, retail stores including clothing, furniture, laundry, daycare, hardware, and more.

Broad appetite across several industries: 
  • Alcohol sales up to 75% of total sales (unavailable in D.C.)
  • Artisan contractors 
  • General contractors, roofing and siding, tree trimming, waterproofing
  • LRO - cannabis/cbd tenants, parking, short-term rentals, vacation rentals
  • Manufacturing (including beverages and apparel) 
  • Real Estate (including LROs and habitational) 
  • Retail (including convenience/ grocery stores, gas stations, beverage stores) 
  • Restaurants and accommodations (restrictions apply) 
  • Services (including dry cleaners and property management) 
  • Vacant buildings, vacant land (Unavailable in D.C.)
  • Wholesale (including general warehousing and storage)

Download the full list of eligible classes

Contact the Victor for Agents team directly at info.smallbusiness@victorinsurance.com or connect with your business development contact.

Small business highlight: Restaurants

With our small business portal, Victor for Agents, you can get a quote for a business owners policy, cyber, general liability and/or workers comp all at the same time. 

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Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

Automotive Dealerships

Targeted, rounded solutions that keep pace with the automotive industry’s emerging risks.

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Builders Risk

Protects buildings under construction from fires, theft, natural disasters and much more.

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Business Owners Policy

Specialty insurance for small and midsize businesses, covering essentials like property damage and business interruption.

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Catastrophe Solutions

ICAT provides property insurance protection to homeowners and businesses located in hurricane- and earthquake-exposed regions of the United States.

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Contractors Equipment

Broad inland marine coverage for direct physical damage and loss to mobile machinery and equipment used for construction projects and other activities.

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Cyber

Designed for a whole host of cyber threats, such as cybercrime, system damage, business interruption and even court attendance costs.

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Design, Construction & Consultants

Far-reaching and flexible solutions for design and construction professionals. Includes professional liability; errors and omissions and property and casualty.

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Developers Errors & Omissions

Protects against the complex risks that come with real estate development services. Offers the flexible coverage developers need to navigate today's risk landscape.

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E&S Property and General Liability

Excess and Surplus coverage for unique and hard-to-place risks. Available to a broad appetite across several industries.

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Flood

Protects against major damage to homes, businesses and personal property caused by floods. Includes an industry-leading, web-based flood portal and access to real-time flood policy insurance.

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Forest & Logging

Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

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General Liability

From artisan contractors to fitness instructors, we offer essential and comprehensive protection against injury, illness and property damage for businesses.

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Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

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Miscellaneous Professional Liability

Protects against claims arising from professional malpractice. Covers a breadth of industries from advertising to surveyors, with limits up to $5m.

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Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

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Private Company Management Liability

Privately held organizations are vulnerable to a whole host of allegations. Our program provides D&O, EPL and several other essential coverages to help protect private companies.

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Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

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Real Estate Errors & Omissions

Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.

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Reinsurance

If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

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Workers' Compensation

Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.

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