Victor review for retail agents: programs, access and binding authority
Victor, owned by Marsh, is a managing general underwriter. That works like an MGA, with a carrier's authority to underwrite and bind. It writes professional liability, builders risk, real estate E&O, catastrophe property, flood, cyber and several niche programs.
It suits agencies with design firms, builders or realtors as clients. Small accounts in those lines quote, bind and issue online in V², its online platform.
- Best for
- Agencies writing architects and engineers, builders risk, real estate E&O, coastal property, flood or cyber
- Type
- MGA owned by Marsh, with a wholesale desk
- Lines
- Professional liability, builders risk, contractors, auto dealers, logging, kidnap and ransom, flood, catastrophe property and cyber
- Access
- Register for a V² account or contact your state business development manager. ICAT, its catastrophe property unit, appoints separately
- Authority
- V² quotes, binds and issues small professional, builders risk and real estate E&O online. ICAT binds online
- States
- By program. Design professionals and real estate E&O are admitted in every state
Our take
Victor is a program shop more than a general wholesaler. Its strength is professional liability for architects, engineers and real estate pros, plus builders risk on Berkshire Hathaway paper.
It fits agencies that want those lines bound online from a short application. ICAT adds coastal homes and earthquake, and ProWriters compares cyber quotes side by side.
Each program has its own route. V², ICAT, ProWriters and Victor Flood each need their own login, and other programs still go by email.
Pros
- V² binds and issues small A&E, builders risk and real estate E&O
- Admitted design and real estate E&O in every state
- Builders risk QuickCover for new homes
- ICAT quotes and binds catastrophe property at any hour
- ProWriters compares 60+ cyber markets
Cons
- Separate logins for V², ICAT, ProWriters and flood
- ICAT needs catastrophe experience to appoint you
- Unpaid agency-billed V² policies cancel flat at 30 days
- Renewals happen outside V²
Who they work with
- Who can submit
- Licensed retail agents and brokers. Forest & Logging is retail only
- How to get access
- Register on victorinsurance.com for V², or contact your state business development manager
- Requirements
- An individual V² account for each user, approved by Victor
- ICAT
- A separate appointment that wants catastrophe experience and may ask for a premium commitment
Contact your state rep
Find the business development manager for your state.
Register for V²
Choose Log in or Register and pick insurance agent or broker.
Wait for approval
Victor approves each user account.
Use program inboxes
Email other programs with Victor's application, and apply to ICAT on its own site.
Programs and what they write
| Program | Type | Lines |
|---|---|---|
| Victor AccessWholesale desk for hard-to-place risks | Wholesale broker | E&S property, casualty, builders risk and financial lines |
| Design professionalsArchitects, engineers, surveyors and consultants | MGA | Professional liability |
| Builders riskNew construction and remodels | MGA | Builders risk and installation floaters |
| Real estate E&OAgents, appraisers, property managers and title agents | MGA | Professional liability |
| Contractors liabilityGeneral, design-build and artisan contractors | MGA | Professional, E&O and pollution |
| Auto dealersFranchised and independent dealers | MGA | Dealer open lot and pollution |
| Forest & LoggingLoggers, chippers and log haulers | MGA | GL, auto, inland marine and excess |
| Kidnap and ransomCompanies, schools, hospitals and families | MGA | Kidnap, ransom and extortion |
| Victor FloodNFIP, excess and Neptune private flood | Online platform | Flood |
| ICATHurricane and earthquake property | MGA | Coastal homes, commercial wind and earthquake |
| ProWriters cyberMulti-carrier cyber quotes | Online platform | Cyber |
NFIP flood is sold in every state, and excess flood skips AK, HI and KY. Dealer open lot is surplus lines in 48 states and DC.
| Program | States | Admitted or surplus lines | Minimum premium |
|---|---|---|---|
| Design professionals | All states and territories | Admitted | $1,000 |
| Builders risk | All but AK and HI | Admitted | $400 |
| Real estate E&O | All states and territories | Admitted, surplus lines for large firms | $460 |
| Contractors liability | All states | Surplus lines | $6,000 professional, $1,000 artisan pollution |
| Forest & Logging | All but NY | Admitted | $5,000 |
| Kidnap and ransom | All 50 states and DC | Admitted, surplus lines in SD and WA | $1,000 |
| ICAT commercial | Catastrophe-exposed states | Both | No minimum |
V² limits
- Design professionals up to $20 million
- Builders risk up to $10 million frame, $15 million fire resistive
- Builders Risk QuickCover for homes up to $1.5M
- Real estate E&O up to $15 million
- Deductibles from $0 on eligible small firms
Other limits
- Dealer open lot up to $25 million per location
- Kidnap and ransom up to $65 million
- ICAT coastal homes up to $3M Coverage A
- ICAT commercial wind up to $5M TIV
- ICAT earthquake up to $15M TIV
How to submit
- How it works
- Quote V² programs online. Email other programs the ACORD or Victor application, and send open-market risks to Victor Access
- Submit by
- V², program inboxes, ICAT Online, ProWriters Digital IQ or the Victor Flood portal
- Documents needed
- V² asks about 10 questions and wants a signed application before issuance. Forest & Logging wants four years of loss runs
- Speed
- V² referrals get a response within 24 hours during working hours
Quote and bind authority
"Takes your submission" means you send the risk to the firm, and "Underwrites" means its own staff set the terms. Binds "In house" means the firm commits the carrier on its own, with no second sign-off. Where a cell is blank, the firm publishes nothing on that step.
| Program | Takes your submission | Quotes | Underwrites | Binds | Issues the policy |
|---|---|---|---|---|---|
| Victor Access | |||||
| V² programs | In house | ||||
| Contractors liability | |||||
| Auto dealers | |||||
| Forest & Logging | |||||
| Kidnap and ransom | |||||
| Victor Flood | |||||
| ICAT | In house | ||||
| ProWriters cyber |
V² binds small accounts and sends larger ones to an underwriter. ProWriters and Victor Flood quote online only.
Carrier paper and admitted status
| Program | Carrier | Notes |
|---|---|---|
| Builders risk | Berkshire Hathaway Specialty Insurance | Admitted |
| Design professionals and real estate E&O | CNA | Claims go to CNA through Victor |
| Forest & Logging | Everest | Claims carrier |
Commission, fees and billing
- Who bills
- Agency or direct bill by program. In V² you choose, except A&E policies are agency bill only
- Payment terms
- Agency-billed V² policies unpaid 30 days after the effective date are canceled flat
- Commission
- Mailed once Victor receives payment on V² policies. Agents who move a flood book get a higher rate
- How to pay
- Wells Fargo e-billexpress. No cards on direct-billed policies
Surplus lines taxes and filings
- Who files
- For ProWriters cyber, ProWriters holds surplus lines licenses in every state and files the taxes for you. Victor doesn't publish filing terms for its other surplus lines business
Endorsements, audits and claims
- Renewals
- Handled outside V², which takes new business only
- Claims handled by
- The carrier for each program, such as CNA, Berkshire Hathaway, Everest or Boulder Claims for dealer open lot
- Claims help
- Victor Access says it advocates for you through claims
Who owns the account
- Who owns the expirations
- Victor doesn't publish it. Ask for it in writing before you sign
- Broker of record changes
- ICAT can honor BOR letters on some existing commercial all risk accounts
Portal and integrations
- Portal
- V², plus ICAT Online, ProWriters Digital IQ and Victor Flood
- Online quoting
- Yes. Most small V² accounts quote from about 10 questions
| Connects to | Type | What it does |
|---|---|---|
| Neptune Flood | Private flood | Offered through Victor Flood |
| ProWriters Digital IQ | Comparative quoting | Side-by-side quotes from 60+ cyber markets |
| ICAT Online | Quote and bind | Catastrophe property at any hour |
Support for retail agents
- Contact
- 301-961-9800. V² help at vsquared.us@victorinsurance.com
- Underwriter access
- Find an underwriter by solution and state, with direct email and phone
- Training
- How-to-sell guides, a New Agent Success Toolkit, Cyber U videos and V² demos
Victor alternatives
- Distinguished ProgramsProgram administrator with online binding for habitational risks
- Specialty Program GroupHUB-owned niche programs for trucking, elevators and environmental
- Neptune FloodPrivate flood with direct online enrollment
- AmwinsNational wholesaler with more than 150 programs
- RT SpecialtyE&S brokerage with national programs and online binding
See every option in insurance mGAs and wholesalers.
Frequently asked questions
How do I get access to Victor's V² portal?
Register on victorinsurance.com as an agent or broker. Victor approves each user account.
Can I bind Victor policies online?
Yes, for small design professional, builders risk and real estate E&O accounts in V². ICAT binds online too.
What are Victor's minimum premiums?
$1,000 for design professionals, $400 for builders risk and $460 for real estate E&O.
Does Victor offer private flood?
Yes. Victor Flood offers Neptune private flood beside NFIP and excess flood.
How we researched this review. We based this review on the terms and product pages published by Victor, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Victor quit selling or a contract term that reads different now, let us know and send the link to the page where Victor has it. Somebody here pulls up that page and checks it before we change anything on ours.