Quick Reference Guide - Victor Insurance
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Quick Reference Guide
Professional Liability
Design, Construction & General & Artisan Real Estate
Consultants Contractors Agents and brokers, appraisers,
auctioneers, commercial real estate
Architects, engineers, landscape General, design-build and artisan/
professionals, developers, leasing
architects, surveyors, archaeologists, specialty contractors, and at-risk
agents, property managers, title
biologists, construction managers, construction managers
agents, and mortgage brokers
drafting services, ecologists,
• Availability: In all states on a non-
geologists, hydrologists, industrial • Availability: Admitted in all states,
admitted basis
hygienists, interior designers, kitchen D.C. and U.S. territories
designers, lead paint inspectors, and • Minimum premium: $6,000 for
• Minimum premium: $500
many others general contractors; $3,200 for
artisan contractors • Deductibles starting at $0
• Availability: Admitted in all states,
D.C. and U.S. territories • Limits up to $10 million for general • Limits up to $20 million
contractors, up to $5 million for
• Minimum premium: $1,000 • Coverage for open houses, mold,
artisan contractors
network protection, employment
• Deductibles starting at $1,000
• Project-specific coverage for practices liability, privacy response,
• Limits up to $35 million artisan contractors and public relations in most states
• Multi-year policies available for • ERP for death, disability and
firms with billings under $250,000 Pollution Liability retirement at no cost
• Broad coverage • Availability: In all states on a non- • Coverage for environmental hazards
admitted basis and discrimination included at no
• ERP death or disability coverage at
• Minimum premium: $2,000 for additional premium
no additional cost
general contractors; $1,000 for • National Association of REALTOR®
• Defense outside the limits artisan contractors Member Benefit Program Partner
• Rectification expense coverage • Limits up to $10 million for general
• No hammer clause contractors, up to $5 million for Submissions
artisan contractors
• Free risk management resources Quote, bind and issue online with V2
victorinsuranceus.com/vsquared
Submissions
Submissions
Send submissions to
Quote, bind and issue online with V2 design.us@victorinsurance.com
victorinsuranceus.com/vsquared
Risk Management
Victor insured design professionals can take advantage of automated contract reviews, continuing education
courses and a library of risk management resources at no additional cost.
Learn more
victorinsuranceus.com/SchoolofRiskManagement
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Management Liability
Cyber Kidnap, Ransom Non-Profit
Small and mid-size organizations & Extortion Management Liability
• Availability: Admitted in most Organizations of any type and size Charities, advocacy groups,
states and D.C. including private companies, public foundations, libraries, museums,
companies, academic institutions, performing arts organizations, zoos,
• Limits up to $10 million
hospitals, non-profits, engineering chambers of commerce, trade and
firms, NGOs, houses of worship, professional associations, social
COVERAGE
technology firms, and high net worth service organizations, agricultural
• Cyber incident response costs individuals and families co-ops, humane societies, historical
• Cybercrime societies, and many more
• Availability: Admitted in most states
• System damage and business and D.C. (non-admitted in SD and WA) • Availability: Admitted in most states
interruption and D.C. (non-admitted in VT)
• Minimum premium: $1,000
• Network security and privacy • Limits up to $20 million
• Limits up to $65 million
liability • Shared or separate limit options
• Crisis response fees unlimited
• Media liability • Directors and officers liability
• No retention or deductible
• Court attendance costs • Employment practices liability
• Annual, multi-year or trip policies
• Coverage for full data re-creation • Fiduciary liability
• Broad worldwide coverage
• Unlimited reinstatement • Crime coverage
• Comprehensive business Submissions • Kidnap, Ransom & Extortion
interruption covering the full Send submissions to coverage
supply chain kidnap.us@victorinsurance.com
• Excess coverage
• Market-leading incident
• Additional defense coverage
response team
available for most classes
Submissions • Automatic renewals for policies
under $7,500 in expiring premium
Send submissions to
cyber.us@victorinsurance.com
Submissions
Quote, bind and issue online with V2
victorinsuranceus.com/vsquared
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Specialty Property/Casualty
Automotive Builders Risk Forest & Logging
Dealerships Residential and small commercial Operations that involve logging, log
construction, residential and small road construction, chipping, hauling
DEALER OPEN LOT commercial remodelling, installation of logs/chips, and hauling finished
floaters lumber
• Availability: In all states except AK,
HI, IA, KS (western portion), LA, MT, • Availability: In most states and D.C. • Availability: In all states except
ND, SD and WY (not available in AK and HI) LA, MI, and NY. CA written direct
• Target market: auto dealerships through Victor Insurance Services.
• Admitted with A++ rated carrier
• Non-admitted with A rated carrier • Admitted with A rated carrier
• Minimum premium: $400
• Broad coverage • General liability including loggers
• Ability to consider all project values
broad form property damage
• Wind/hail aggregate deductibles • Broad coverage including (LBFPD) endorsement
available equipment breakdown, theft of
• Commercial auto
• Flood coverage available building materials, interest of
subcontractors, pollutant clean-up • Inland marine
• Competitive pricing or removal, expediting expenses,
• Property
• Installment billing soft costs, business incomes,
protective safeguard warranty, and • Umbrella
GARAGE/PACKAGE more
Submissions
• Availability: In most states
Submissions Send submissions to
• Target markets: franchised and forest.us@victorinsurance.com
Quote, bind and issue online with V2
large independent auto dealerships
victorinsuranceus.com/vsquared
• Competitive pricing
• Broad coverage Public Entities
• Competitive commissions Flood Cities, counties, schools, and colleges
Commercial and residential risks • Self-insured retentions
Submissions
• Market-leading commission • Umbrella/excess
Send submissions to
autodealers.us@victorinsurance.com • Pool brokerage services
• Easily transition books of business
from other vendors
Submissions
• Issue a policy in less than three
minutes Send submissions to
publicentities.us@victorinsurance.com
• Quote primary and excess coverage
within a single portal
• Highest level of FEMA compliance
Submissions
Quote and issue policies online
victorinsuranceus.com/Flood
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Small Commercial
Enter your small commercial client information into Dovetail’s cloud-based platform
and get quotes for multiple coverage lines from top carriers. Then choose the policies
you want and bind, issue and pay on the spot.
Business Owners Policy Professional Liability
Barber shops/salons, funeral homes, janitorial Architects, engineers, contractors, financial services,
services, offices, printing services, professional health and fitness, insurance agents, janitorial services,
services, restaurants, retail stores real estate professionals, retailers, technology services
Program Specs Program Specs
• Premiums as low as $500 • Premiums as low as $270
• Limits up to $2 million in total insured property • Limits up to $5 million
• Risks with up to 30 employees & $10 million in sales • Risks with up to $5 million in revenue
• New ventures welcome • $200,000 software copyright infringement coverage
for most software businesses
• Optional cyber/professional liability endorsements
• Full retro-coverage for unknown claims from previous
STATE AVAILABILITY work for most classes
All states and D.C. STATE AVAILABILITY
All states (except AK) and D.C.
General Liability
Artisan contractors, health, beauty & fitness, janitorial Workers Compensation
services, landscapers, professional services, business
Auto industry, clubs, contractors, hospitality services,
consultants, technology consultants, retail, etc.
professional services, schools, school services, etc.
Program Specs
Program Specs
• Premiums as low as $275
• Premiums as low as $500
• Risks with up to 10 employees & $10 million in sales
• Limits up to $1 million
• Risk with up to $500,000 in annual payroll
• Over 350 class codes
• Three or five years’ experience required for some risk
• Multi-state capabilities
segments
STATE AVAILABILITY
STATE AVAILABILITY
All states (except AK, OH, ND, WA, WY) and D.C.
All states and D.C.
Visit www.dovetailinsurance.com
to register and login.
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Regional Marketing Contacts TYLER NICKELS BRIAN CROPP JASMINE ZAROU (267) 408-4045 (240) 281-3690 (703) 943-0885 tyler.nickels@victorinsurance.com brian.cropp@victorinsurance.com jasmine.zarou@victorinsurance.com Northeast: CT, NY Northeast: DC, DE, MD, PA Northeast: KY, NJ, VA, WV JAKE TERRELL BRANDON YINGER ALLIE HUYE (713) 597-0200 (678) 237-3211 (504) 427-6158 jake.terrell@victorinsurance.com brandon.yinger@victorinsurance.com allie.huye@victorinsurance.com South: FL, NC, PR, SC, VI South: AL, GA, TN South: LA, MS, TX 6
Regional Marketing Contacts
CAMERON DOUGLAS JOHN O’MARA
(617) 784-2272 (630) 418-4423
cameron.p.douglas@victorinsurance.com john.omara@victorinsurance.com
Northeast: MA, ME, NH, RI, VT Central: AR, IA, IL, IN, KS, MI, MN,
MO, ND, NE, OH, OK, SD, WI
RYAN MEDIGOVICH SAMANTHA CHERRY
(619) 456-7775 (303) 808-1096
ryan.medigovich@victorinsurance.com samantha.cherry@victorinsurance.com
West: AK, AZ, CA, ID, NV, OR, UT, WA States: CO, HI, MT, NM, WY
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Visit victorinsuranceus.com to learn more This document is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the program described. Please remember only the insurance policy can give actual terms, coverage, amounts, conditions and exclusions. Program availability and coverage are subject to individual underwriting criteria. © 2021 Victor Insurance Managers Inc. | © 2021 Dovetail Managing General Agency Corporation | Version 2021.7 Victor Insurance Services Inc. in MN | DBA in CA and NY: Victor Insurance Services | CA Ins. Lic. # 0156109
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