Victor Insurance Managers LLC (Victor) is one of the largest and most experienced underwriting managers of specialty insurance programs in the world. Our expertise lies in evaluating risks, implementing program, developing and executing risk management activities, and servicing accounts on behalf of our insurance company partners. We distribute our solutions through a large network of independent insurance brokers. Please send questions or submissions to info.us@victorinsurance.com.
Automotive dealerships face a myriad of challenges. From protecting expensive inventory to dealing with the public, their risk profile can be extensive.
Victor O. Schinnerer & Company provides property/casualty insurance solutions specifically tailored to the needs of automotive dealerships. Schinnerer's policies are designed and underwritten by industry experts. We provide solutions for franchised auto dealers, independent auto dealers and franchised RV dealers.
Quote, bind and issue admitted BOP policies for your small commercial clients in minutes. Choose from multiple quotes from multiple A rated providers. Log in or register today!
Coverage highlights
Compare quotes from multiple carriers: CNA, Coterie, Homesite, Markel
Available nationwide
Minimum premium $500
Up to 50 employees
Up to $10M in sales ($30M for some classes)
Up to $1M in payroll
Limits up to $10M in total insured property (depending on class)
Multi-location available
New ventures welcome
Optional cyber, liquor and professional liability endorsements
Broad inland marine coverage for direct physical damage and loss to mobile machinery and equipment used for construction projects and other activities.
Coverage highlights
Available nationwide*
Minimum premium: $500
Coverage: admitted with an A++ rated carrier
Limits: up to $500,000 for each individual piece of equipment and up to $5M total scheduled value.
*not available in AK or HI
Target market
Most types of contractors eligible.
Other entities that have mobile equipment exposures (warehouses, schools, manufacturing, municipalities, other types of commercial risk).
In an increasingly digitized world, no business can avoid cyber risks. When your clients experience cybercrime, business interruption and privacy threats, they need protection that’s always looking to evolve.
A broad suite of design and construction solutions span professional liability, errors & omissions, project-specific policies, management liability, property/casualty, residential & commercial builders’ risk and more.
Design and construciton solutions
Professional liability for architects, engineers and surveyors
Professional liability for a wide range of construction/ environmental consultants
Professional liability, E&O and pollution liability for general and artisan contractors
Project-specific professional liability coverage
Coverage for architects, engineers, land surveyors and landscape architects
We’ve got developers’ backs with modern, flexible coverage that never cuts corners and is always looking to stay a step ahead. Better still, it’s the first market that’s directly available for retail insurance agents and brokers.
For retail agents only
Availability: In all 50 states and D.C.
Coverage: E&S with an A rated carrier
Minimum premium: $10,000
Limits: Up to $5 million
Target risks:
Firms providing development, leasing, sales or acquisition services including on fully or partially owned properties
Firms providing traditional real estate brokerage services that also provide design and/or construction management services for others
Firms that perform property management and/or leasing services as well as design and/or construction management services on owned properties
Firms that perform property management and/or leasing services as well as design and/or construction management services on behalf of others
Firms providing real estate services that also develop properties by hiring the design and/or construction teams as subcontractors
Firms providing real estate services that hire the design and/or construction teams and provide professional services for others
Floods can happen almost anywhere – from coastal cities to country towns. So having the right flood insurance is essential to protecting clients' businesses.
Whether you're looking for the US government-backed National Flood Insurance Program (NFIP) or private flood solutions, we've got you covered for years to come.
Victor Flood
NFIP Commercial highlights:
Federally-backed flood insurance
Available in all 50 states and US territories
Limits: $500,000 building; $500,000 contents
Deductible: Separate deductible for dwelling and contents
Standard waiting period: typically 30 days
Elevation Certificate (EC) may not be required, but an EC could mean a more affordable rate
With competitive pricing, the private market may provide alternative opportunities for flood insurance protection with broader limits and the option to include business interruption.
Hiscox FloodPlus Commercial highlights:
Available in most states except AK, HI and KY
Limits: $2.5M building, business personal property and business income
We offer competitive quotes for property, general liability, loggers broad form property damage, commercial auto, inland marine and umbrella coverage.
All of it has been thoughtfully designed for operations involving logging, log road construction, chipping and log hauling – so clients can keep powering on past every setback.
Coverage: Admitted with an A+ rated carrier
Availability: In all states except LA and NY on an admitted basis. CA written direct through Victor Insurance Services. Retail insurance agents/retail brokers only please.
Minimum premium: $5,000
Coverage options:
General liability: $1M/$2M limit
Loggers broad form property damage (fire suppression, damage to timberlands, loading and unloading)
Inland marine
Commercial auto: $1M CSL and pollution at policy limits (all vehicles) upon request
Excess liability
Target risks
Operations that involve logging, log road construction, chipping, hauling of logs/chips, hauling finished lumber (only available in the Northwest)
Ineligible risks
Lumber and wood products manufacturing
Requirements for underwriting
3 years in operation or equivalent industry experience
ACORD application along with the Victor supplemental application and multiple named insured form
Available through Victor for Agents
Quote, bind and issue admitted BOP policies for your small commercial clients in minutes. Choose from multiple quotes from multiple A rated providers. Log in or register today!
Compare quotes from multiple carriers: BTIS, Coterie, Hiscox, Homesite
Available nationwide
Minimum premium: $350
Up to 50 employees (up to 15 employees for most contracting classes)
Up to $10M in revenue for most classes (Between $1.5 - $10M for contractors)
Our kidnap, ransom and extortion coverage is available for any type of company or high-net-worth individual who’s looking for protection and peace of mind.
Limits: Up to $65 million
Minimum premium: $1,000
Deductible: No retention or deductible
Availability: In all 50 states and DC (non-admitted in SD and WA).
Target risks: Organizations of any type and size including private companies, public companies, academic institutions, hospitals, non-profits, engineering firms, NGOs, houses of worship, tech firms, and high net worth individuals and families.
Program features:
Unlimited fees for services provided by Control Risks for insured events
Worldwide coverage with separate limits for ransom, transit, additional expenses, legal liability and personal accident
Annual, trip or multi-year policies available
10% of annual premium available towards loss preventative security services offered by Control Risks - pre-approval by underwriter required.
Additional expenses covered such as: medical expenses, psychiatric care, temporary workers, rest and rehabilitation and public relations consulting
Enhancement options available to a wide range of risks including academic and healthcare
Exclusive endorsement available with increased coverages
Who is covered?
All directors, officers and employees of insured
Family members (including spouse, domestic partners, extended family)
People who reside in the insured person's household
Guests in the home of insured person
Guests and/or customers of assured on insured's premises or in insured's transport
The person negotiating and delivering ransom
What events are covered?
Kidnap: An actual or alleged kidnapping of an insured person for ransom
Extortion: Threat to assured and/or insured person(s) for demand of ransom, including threats against the insured person, property, trade secrets, and computer data
Products extortion: Threat to assured's products for demand of ransom
Detention: Holding under duress of an insured
Hijack: Any aircraft, motor vehicle, railroad train, or waterborne vessel on which the insured person is traveling
What losses are covered?
Ransom (up to full policy limits): Includes cash and/or marketable goods surrendered by or on behalf of the insured in connection with an insured event
Transit (up to full policy limits): Includes damage, destruction, disappearance, confiscation or wrongful abstraction of ransom while being delivered
Legal liability (up to full policy limits): Includes those costs incurred as a result of any action for damages brought by or on behalf of an insured person as a result of an insured event. Defense costs are in addition to the limit of liability
Personal accident ($250,000 per insured/$1,250,000 aggregate): death, loss of limb, loss of sight, loss of extremity, or permanent total disablement of insured person as result of insured event
Available through Victor for Agents
Quote, bind and issue admitted BOP policies for your small commercial clients in minutes. Choose from multiple quotes from multiple A rated providers. Log in or register today!
Coverage highlights
Compare quotes from multiple carriers: Coterie, Hiscox
Available nationwide
Minimum premium $270 for most classes
Limits up to $5M
Up to $10M in revenues
Full retro-coverage for unknown claims from previous work for most classes
Our program offers directors and officers’ liability, employment practices liability, fiduciary liability, crime, employed lawyers’ liability and kidnap, ransom and extortion coverage.
Availability: Available in all 50 states and D.C.
Coverage: Admitted in 47 states with an A+ rated carrier (AK, MO and WA available on a non-admitted basis)
Commission: Receive the same commission for both new submissions and renewals
Target risks: Civic and social organizations, chambers of commerce, charities, foundations, human and social services, humane societies, animal shelters, museums and art galleries, trade and professional associations and many more classes. Please refer to our appetite guide for a complete list.
Arbitration and mediation incentive for D&O coverage
First dollar defense for D&O claims only for certain classes
Directors, officers, employees, volunteers, committee members and the entity are covered under D&O policy
No D&O and EPL hammer clause
The definition of loss under for D&O coverage includes any actual or alleged act, omission, error, misstatement, misleading statement, neglect or breach of duty, including any actual or alleged personal injury or publishers liability, by any insured person in his or her capacity as such with the company
EPL coverage extended to independent contractors
Additional Side A up to $1M
Sublimits available for:
Directors & officers liability
Investigative costs
Asset protection costs
Public relations costs
Employment practices liability
Workplace violence expenses
EPL crisis expenses
Wage and hour defense only
Fiduciary liability
Voluntary compliance program costs
Penalties for violations of HIPAA Privacy Provisions
Penalties under Section 502(c) of ERISA
Penalties under the Pension Protection Act of 2006
Penalties under the Affordable Care Act
Penalty under IRC Section 4975
Crime
Limits: $100,000 - $1M
Available coverages include employee theft, forgery/alteration, inside the premises loss, in transit loss, money orders/counterfeit money, computer crime, funds transfer fraud, personal accounts protection, and claims expense
Employed lawyers liability
Limit: $1M
Provides coverage for the acts of attorneys who work for corporations when acting in a licensed attorney capacity
Kidnap, ransom & extortion
Limit: $1M
Worldwide coverage
Reimburses cost associated with kidnap, express kidnap, wrongful detention, extortion, hijack, hostage crisis or child abduction
Covers ransom costs, ransom lost in transit, crisis response expenses, legal liability, accidental death and dismemberment, additional expenses and business interruption
Sublimits available for:
Recall expenses related from products extortion
Personal belongings lost as result of insured event
Our program offers directors and officers’ liability, employment practices liability, fiduciary liability, crime, employed lawyers’ liability and kidnap, ransom and extortion coverage.
Availability: In all 50 states and D.C.*
Coverage: Admitted in 45 states with an A+ rated carrier
Limits:
$5 million for Directors & Officers Liability, Employment Practices Liability and Fiduciary Liability
$1 million for Employed Lawyers Liability, Crime and Kidnap & Ransom
Target market: Privately held organizations in operation for at least three years with revenues up to $50 million.
*Available on a non-admitted basis in AK, HI, MO, NY & WA
*Admitted in Florida (excluding kidnap & ransom coverage part)
*Admitted in Louisiana (excluding crime coverage part)
We have more than 40 years' experience working with cities, counties, special districts, schools and colleges throughout the US. And we’re here to put all that knowledge behind your success.
Insurance coverages public entities and schools need can be more difficult to procure than others.
From a one-time consulting project to comprehensive underwriting and policy administration services for workers' compensation, liability and property pools, we provide a wide range of services for public entity clients.
We underwrite and manage reinsurance facilities (treaty and facultative) through panels of reinsurers rated AM Best A- or better. With first-rate financial strength at our disposal, you can trust in us.
Victor Reinsurance Managers Regional Treaty Program
This program supports regional insurance companies providing coverage in multiple states for complex Commercial and Casualty risks:
Our target classes include Multi-line, Property, and Casualty layers.
Our capacity ranges from $2.5-5 million per contract, and maximum of $250 million in annual direct premium written.
Regional Accounts Program (RAP)
This supports small treaty insurance companies operating in a limited region, such as a single state or county:
Target classes include home, farm, and main street commercial business.
The RAP facility is a complete solution with Victor Reinsurance Manager underwriting 100% of coverage.
Property Facultative Program
This supports regional insurance companies participating in the RAP and Victor Reinsurance Managers facilities on the business outside of treaty limits. It also supports small insurance companies that may struggle to obtain treaty insurance:
The maximum limit available under this program is $5 million per facultative risk.
Available through Victor for Agents
Quote, bind and issue admitted BOP policies for your small commercial clients in minutes. Choose from multiple quotes from multiple A rated providers. Log in or register today!
Coverage highlights
Compare quotes from multiple carriers: AmTrust, CNA, Employers and Markel
