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 published guidance is primarily for E&S specialty commercial property rather than personal home. Velocity Risk presents itself as a tech-enabled E&S specialty property MGA focused on catastrophe-exposed risks, especially hurricane, earthquake, tornado, fire, flood, and similar perils in the U.S. Current product guidance shows two commercial segments. Middle Market targets catastrophe-exposed commercial properties including commercial habitational, real estate/lessor's risk, office/retail/restaurant, and public entity/municipality/school districts; perils highlighted are named wind, earthquake, and flood; offerings include all risk including named perils and wind deductible buy-back; structures offered include primary, excess, quota share, and ground-up; geographic focus is Tier 1 and Tier 2 coastal business from Texas to Maine plus nationwide earthquake; availability is all 50 states; minimum TIV is $10M per location. Small to Medium Business targets commercial habitational, real estate/lessor's risk, office/retail/restaurant, and healthcare businesses; perils highlighted are windstorm/hail, AOP, and earthquake; availability is limited to Alabama, Florida, Georgia, Louisiana, Mississippi, South Carolina, and Texas; max TIV is $10M. Published restrictions are mostly event-driven rather than class-based: under moratorium, no new quotes are issued, no outstanding quotes can be bound, renewals and endorsements are subject to underwriting referral, and post-event no-loss certification may be required. Minimum moratorium triggers include earthquake exposure within 50 miles of an epicenter of magnitude 5.0 or greater for 10 days after the last reported shake on the subject fault line; wind and flood moratoriums for locations projected to be in the path of a named tropical storm per NOAA/NHC, with scope varying by storm intensity and lasting for the duration of the storm; flood restrictions also apply for imminent flood watch or warning; all perils may be restricted if fire or similar peril is proximate to the insured location or the location is in the path of a known event. Broker/producer notes: Velocity states it works directly with brokers, agents, and insurance carriers and does not solicit from the public; middle-market business is distributed through specialized national and regional wholesale brokers; large commercial brokers are directed to call 615-942-0740 for policy servicing or appointment inquiries; small commercial agents/brokers are directed to use the servicing portal or email smb.underwriting@velocityrisk.com. I did not verify a dedicated official home/personal lines underwriting or appetite page on the carrier site during this refresh, despite a claims reference to homeowners claims.