Velocity Risk Underwriters
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official guidance available is primarily for Velocity Risk’s E&S specialty property platform rather than a detailed public personal-lines home appetite guide. Velocity Risk publicly positions itself as a specialty property MGA focused on catastrophe-exposed risks, especially hurricane, earthquake, tornado, fire, flood, and wind exposures, and works through brokers/agents rather than directly with the public. Public product guidance emphasizes commercial property: middle market targets include commercial habitational, real estate/lessor’s risk, office, retail, restaurant, and public entity/municipality/school districts, with focus on Tier 1 and Tier 2 coastal business from Texas to Maine plus nationwide earthquake; minimum TIV shown is $10M per location and availability is all 50 states. SMB guidance shows windstorm/hail, AOP, and earthquake appetite in AL, FL, GA, LA, MS, SC, and TX with max TIV $10M. For Home, the site does confirm homeowners business exists via claims references and archived company news noting coastal homeowners products in Texas, Florida, New Jersey, North Carolina, and New York, but no current public underwriting bulletin, class eligibility matrix, protection-class/construction rules, age-of-home criteria, or explicit declined-home classes were found on verified official pages. Geographic note: Velocity’s published catastrophe-property emphasis suggests strongest appetite for catastrophe-prone/coastal exposures, but current public home-state availability could not be fully verified from a live underwriting page. Operational restrictions that are clearly published include moratorium rules: no new quotes during applicable moratoria, no binding of outstanding quotes, renewals/endorsements subject to underwriting referral, and post-event no-loss certification may be required. Moratoria are described for earthquake (within 50 miles of a 5.0+ epicenter for 10 days from the last reported shake on the subject fault line), wind and flood (areas projected in the path of a named tropical storm, duration tied to the event), and any peril where a location is proximate to a known fire or similar event. Submission/producer notes: Velocity works directly with brokers, agents, and carriers and does not solicit from the public; large commercial brokers are directed to call 615-942-0740 for servicing or appointment inquiries; small commercial agents/brokers are directed to use the service portal or email smb.underwriting@velocityrisk.com. Public claims servicing also confirms homeowners claims handling, but no dedicated public producer submission instructions specific to Home were verified. Bottom line: use Velocity for catastrophe-oriented property placements, but for Home-specific underwriting appetite expect to obtain details directly from an appointed broker/underwriter because public site guidance is limited and does not publish a current detailed homeowners appetite or declination list.