Vikco Insurance Services

Our Products:

Difference in Conditions (DIC) Earthquake Program

Our DIC Earthquake Program is backed by both Admitted and Non-Admitted carrier partners who benefit from Vikco’s consistent underwriting results. With the ability to deploy over $100M per risk limit, our program is designed to meet the diverse needs of the entire Commercial Earthquake market. Our philosophy of "the right rate for the right risk" allows us to deliver superior products and maintain unparalleled service for our wholesale partners.

Coverage Highlights:

Primary and Excess Limits
Flood coverage available as a secondary peril
Competitive deductibles, terms, and conditions
Flexible underwriting approach tailored to Small, Middle and Large Market accounts
No Minimum Total Insured Value (TIV)
Coverage available across the contiguous United States

Standalone Flood Insurance

Recognizing the evolving needs of the specialty market, Vikco has been a pioneer in the Private Flood Insurance sector since 2018. We offer standalone flood coverage in High Hazard (FEMA zones A & V) and Low Hazard (FEMA zone X) areas, providing innovative solutions as the private flood market grows. Leveraging advancements in technology and changes in the National Flood Insurance Program (NFIP), we deliver consistent and profitable returns to our carrier partners.

Coverage Highlights:

Primary Limits up to $10M
Excess Limits up to $20M
Broad coverage form competitive with the NFIP
No waiting period or elevation certificate required
Time element coverage available
Accepts Commercial and Residential occupancies
Coverage available in all states except Alaska

National Multi-Unit
Habitational Program

Our National Multi-Unit Habitational Program offers comprehensive coverage options for a variety of residential properties, including apartments, condominium associations, and assisted living facilities. With a focus on providing flexible coverage solutions, our program is designed to protect properties from a wide range of risks across the nation.

Coverage Highlights:

Target Classes: Apartments, Condominium Associations, Assisted Living, Skilled Nursing, Memory Care
Available as Monoline Property or Package
Coverage in Nationwide territories, with specific provisions for Gulf Coast, Atlantic Coast, and Severe Convective Zones
Primary or Ground Up coverage up to $100M per location
Flood & Earthquake coverage up to $5M
Forms: Company and Manuscript, subject to review

Builder’s Risk Insurance

Vikco offers Builder’s Risk Insurance designed to protect buildings under construction from various unforeseen events such as fire, theft, or natural disasters. Our policies are tailored to meet the unique needs of contractors, developers, and property owners involved in construction projects.

Coverage Highlights:

Coverage for construction materials, equipment, and temporary structures
Protection against a wide range of risks during the construction phase
Customizable policy terms based on project size and scope

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How We Work:

We work with wholesale brokers and independent agencies to provide viable markets for your Commercial DIC Earthquake, Flood, Habitational and Builder’s Risk needs.

Why Choose Vikco Insurance Services:

We pride ourselves on our ability to adapt to the ever-changing landscape of the insurance industry.
Our deep market knowledge, combined with a personalized approach to underwriting, allows us to provide tailored solutions that meet your unique needs.
We have a strong track record of delivering consistent, profitable returns.
We focus on building long-term partnerships, making Vikco your trusted partner in risk management.