Services
Property Coverage Where
You Need it Most
Property Coverage Where You Need it Most
In today’s evolving property market, your clients face growing challenges in securing comprehensive coverage. As carriers pull back from higher-risk areas and catastrophe exposure increases, more risks are pushed into FAIR Plans that provide essential coverage but leave meaningful gaps. Bridging those gaps has become more important than ever.
How we work
Your Specialty Property Partner
This program is led by Rachael Dougherty, a highly regarded property underwriter with 15 years of experience across reinsurance and primary markets.
2026 Property & Casualty Luminaries Rising Star - Winner
2025 Business Insurance Break-Out Award – Winner
2025 E&S Insurer Awards – Winner; Innovation in E&S
2025 E&S Insurer Awards – Shortlist; Underwriter of the Year
2024 Insurance Insider US Honors – Shortlist; Underwriting Innovation of the Year
This program is led by Rachael Dougherty, a highly regarded property underwriter with 15years of experience across reinsurance and primary markets.
2026 Property & Casualty Luminaries Rising Star - Finalist
2025 Business Insurance Break-Out Award – Winner
2025 E&S Insurer Awards – Winner; Innovation in E&S
2025 E&S Insurer Awards – Shortlist; Underwriter of the Year
2024 Insurance Insider US Honors – Shortlist; Underwriting Innovation of the Year
In today’s property market, securing comprehensive coverage has become increasingly difficult. As standard carriers pull back from higher-risk areas, more insureds are turning to state-run FAIR Plans. These programs provide essential fire coverage but leave meaningful gaps in protection.
Those gaps create real challenges for brokers, lenders, and insureds. Everyday exposures remain uninsured, leaving insureds vulnerable while also increasing the risk of lease and lender non-compliance. At the same time, the market for wrap solutions is fragmented and difficult to navigate: separate submissions for each risk, days-long quote turnarounds, and programs that cover only commercial or only dwelling risks, not both.
Vivere Specialty Property is built to solve this problem. We provide a first-of-its-kind Wrap solution that complements FAIR Plan policies for both commercial risks and dwellings within a single program, backed by "A" rated carrier capacity and delivered through proprietary technology designed specifically for this segment. The result is a faster, simpler, more complete solution for a market that has long gone underserved.
In today’s property market, securing comprehensive coverage has become increasingly difficult. As standard carriers pull back from higher-risk areas, more insureds are turning to state-run FAIR Plans. These programs provide essential fire coverage but leave meaningful gaps in protection.
Those gaps create real challenges for brokers, lenders, and insureds. Everyday exposures remain uninsured, leaving insureds vulnerable while also increasing the risk of lease and lender non-compliance. At the same time, the market for wrap solutions is fragmented and difficult to navigate: separate submissions for each risk, days-long quote turnarounds, and programs that cover only commercial or only dwelling risks, not both.
Vivere Specialty Property is built to solve this problem. We provide a first-of-its-kind Wrap solution that complements FAIR Plan policies for both commercial risks and dwellings within a single program, backed by "A" rated carrier capacity and delivered through proprietary technology designed specifically for this segment. The result is a faster, simpler, more complete solution for a market that has long gone underserved.
Product
Product
Vivere’s Wrap product is purpose-built to fill the gaps left by FAIR Plan coverage. Our proprietary Fawkes platform automates the quoting and binding process so that participation in this segment is scalable, efficient, and repeatable, with no manual data entry or days-long wait times. Together, FAIR Plan and Wrap coverages deliver protection at a private market standard.
We offer:
Commercial and Dwelling Wraps: quoted and bound in the same platform, matching full CA FAIR Plan limits ($100M Commercial, $3M Dwelling)
Fast Quotes: generated in minutes (not days) requiring only a CA FAIR Plan application
Bulk Quoting For Entire Retail Books: submit an entire portfolio at once and receive quotes for every eligible risk simultaneously
Strong, "A" Rated Capacity: backed by top carriers ensuring stability, non-admitted paper allows for much needed flexibility
By removing CAT and fire exposure, the product delivers a more predictable and stable risk profile and supports a broader underwriting appetite. This is a targeted solution built to deliver meaningful protection without unnecessary complexity.
Vivere’s Wrap product is purpose-built to fill the gaps left by FAIR Plan coverage. Our proprietary Fawkes platform automates the quoting and binding process so that participation in this segment is scalable, efficient, and repeatable, with no manual data entry or days-long wait times. Together, FAIR Plan and Wrap coverages deliver protection at a private market standard.
We offer:
Commercial and Dwelling Wraps: quoted and bound in the same platform, matching full CA FAIR Plan limits ($100M Commercial, $3M Dwelling)
Fast Quotes: generated in minutes (not days) requiring only a CA FAIR Plan application
Bulk Quoting For Entire Retail Books: submit an entire portfolio at once and receive quotes for every eligible risk simultaneously
Strong, "A" Rated Capacity: backed by top carriers ensuring stability, non-admitted paper allows for much needed flexibility
By removing CAT and fire exposure, the product delivers a more predictable and stable risk profile and supports a broader underwriting appetite. This is a targeted solution built to deliver meaningful protection without unnecessary complexity.
COVERAGES
Water Damage
Weight of Ice and Snow
Falling Objects
Collapse
Appetite
Appetite
The property insurance landscape continues to shift as carriers pull back from areas exposed to wildfire, hurricane, flood, crime, or civil unrest. This has driven significant growth in FAIR Plan usage across both commercial and personal lines.
FAIR Plans are essential for access to coverage, but they are not designed to provide full protection and cannot absorb additional risk at scale.
Our Wrap product supplements FAIR Plan limits up to private market standards using non-admitted capacity for maximum flexibility. Critically, the wrap quote is generated with the FAIR Plan application (not after FAIR Plan quoting), so the insured receives a complete, coordinated picture of their coverage in a single presentation. In doing so, we unlock a segment of business that is largely inaccessible through traditional E&S placement.
We focus on:
All FAIR Plan occupancies (commercial, dwelling, vacant buildings, and course of construction) including risks that most wrap programs exclude
Both commercial and personal lines, with coverage to match the FAIR Plan policy limit. The only program offering both under a unified platform.
Brokers and agents managing FAIR Plan books of all sizes, from single risk submissions to scalable portfolio level solutions
Our approach allows brokers to deliver a complete, coordinated insurance solution with speed and certainty. Exclusive wholesale distribution through Amwins ensures consistent access and support in a market where fragmentation has historically slowed placement and created gaps in service.
The property insurance landscape continues to shift as carriers pull back from areas exposed to wildfire, hurricane, flood, crime, or civil unrest. This has driven significant growth in FAIR Plan usage across both commercial and personal lines.
FAIR Plans are essential for access to coverage, but they are not designed to provide full protection and cannot absorb additional risk at scale.
Our Wrap product supplements FAIR Plan limits up to private market standards using non-admitted capacity for maximum flexibility. Critically, the wrap quote is generated with the FAIR Plan application (not after FAIR Plan quoting), so the insured receives a complete, coordinated picture of their coverage in a single presentation. In doing so, we unlock a segment of business that is largely inaccessible through traditional E&S placement.
We focus on:
All FAIR Plan occupancies (commercial, dwelling, vacant buildings, and course of construction) including risks that most wrap programs exclude
Both commercial and personal lines, with coverage to match the FAIR Plan policy limit. The only program offering both under a unified platform.
Brokers and agents managing FAIR Plan books of all sizes, from single risk submissions to scalable portfolio level solutions
Our approach allows brokers to deliver a complete, coordinated insurance solution with speed and certainty. Exclusive wholesale distribution through Amwins ensures consistent access and support in a market where fragmentation has historically slowed placement and created gaps in service.
Appetite
Working With Us
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?
All you need is a copy of the CA FAIR Plan application. Have your Amwins broker submit to
submissions-propertywrap@viverepartners.com. That's enough for us to get started. If we need more information, we'll let you know quickly.
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. submissions-propertywrap@viverepartners.com. That’s enough for us to get started. If we need more information, we’ll let you know quickly.