In today's hardening property market, your clients face unprecedented challenges. Rising rates, shrinking capacity, and restrictive underwriting have made placing property coverage more difficult than ever. That's where we come in.
How we work
Your Specialty Property Partner
Nalini Doddapaneni
Chief Underwriting Officer
Specialty property
We believe that every property has a story that goes deeper than its loss runs or construction class. Our underwriters take the time to understand the nuances of each risk, from the maintenance protocols at a food processing facility to the fire suppression upgrades in a historic building. This detailed understanding allows us to offer solutions when standard markets can't – or won't.
But we know that in-depth underwriting shouldn't mean slow underwriting. Our experienced team provides same-day indications on complete submissions, with formal quotes typically following within 24 hours. You have direct access to decision-makers who can quickly understand your clients' needs and craft appropriate solutions.
Product
Product Highlights
Our property program is built for flexibility, offering coverage solutions for risks that often struggle to find a home in the standard market. We offer primary or excess placements with limits up to $25M per location, backed by A+ rated carrier partners.
The core program includes all-risk property coverage on a replacement cost basis, including business income and extra expense. We can offer agreed amount coverage to eliminate coinsurance concerns, and blanket limits are available for clients with multiple locations.
Where we truly stand out is our ability to craft coverage enhancements that address your clients' specific exposures. Whether it's specialized equipment breakdown coverage for a manufacturer, extended period of indemnity for a hotel, or ordinance & law coverage for an older building, we build each policy around the client's actual needs.
Products
All-Risk Property
Technical Property
Single Peril
When standard markets say no, we find ways to say yes. Our broad appetite and creative underwriting approach allow us to consider risks across the commercial property spectrum. While we have particular expertise in the sectors below, we welcome the opportunity to review any challenging commercial property submission. Whether it's location, construction, protection class, or loss history creating placement difficulties, we have the underwriting expertise and market capacity to craft solutions.
Target Markets
Manufacturers
Hospitals & Healthcare
Mixed Commercial Real Estate
Schools, Colleges & Universities
… and more.
Appetite
Working With Us
We've built our platform around making brokers' lives easier. When you submit to us, you'll work with a dedicated underwriter who knows your accounts and understands your market. No navigating phone trees or waiting days for responses.
Our broker portal provides 24/7 access to quotes, policies, and certificates. But we know technology can't replace relationships – you'll always be able to reach a knowledgeable person when you need one.
Ready to get started?
Submissions are streamlined to respect your time. Send us Acords, loss runs, current values, and photos (if available) to submissions@viverepartners.com. That's enough for us to get started. If we need more information, we'll let you know quickly.