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Commercial Property

Commercial Property

We have what it takes to protect your larger properties, offering comprehensive coverage, strong security, and competitive terms in the worst of catastrophes.

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Commercial Habitational

Commercial Habitational

If you own condominiums, apartment buildings, or any other multi-unit dwellings, we have developed a comprehensive coverage solution just for you.

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The Velocity Edge

Catastrophe Experience

Catastrophe Experience

We specialize in providing comprehensive coverage in the wake of the most devastating disasters.

Financial Strength

Financial Strength

Experience peace of mind knowing we have the funds to deliver on our promise when it matters the most.

Depth of Offering

Depth of Offering

Beyond your property, we’ll ensure your most important business assets and possessions are protected.

Large Commercial & Habitational

During Hurricane Irma in 2017, Velocity Claims handled claims 14 percentage points faster than the market average as reported by the Florida Office of Insurance Regulation.

We offer property capacity in catastrophe-exposed areas focusing on wind, earthquake and flood coverage — so you and your business can experience calm before, during and after the storm. Here’s what’s covered when you come under our wing:


  • All risk or named perils
  • Focus on catastrophe perils of wind, earthquake and flood


  • Ability to write in all 50 states
  • Submitted risk must have at least 50% catastrophe exposure for consideration
    • Tier 1 or Tier 2 wind (Texas to Maine + Hawaii)
    • California, Pacific Northwest or New Madrid Earthquake zones
    • Flood exposure
  • U.S. focus with incidental international on schedule allowed
  • Capacity available nationwide
  • See our Moratorium Policy

Target Classes of Business

  • Commercial Habitational / Condominium
  • Real Estate / Lessor’s Risk
  • Office / Retail / Restaurant
  • Public Entity / Municipality / School Districts


  • $300M policy occurrence limit
  • $75M location limit
  • $28.5M average line size
  • Max $1B TIV per location
  • $50K minimum premium
  • Whole account, co-participation and primary, buffer or excess limits on shared and layered programs available


  • Certain Underwriters at Lloyds (A XV AM Best and A+ S&P rated)
  • Interstate Fire and Casualty Insurance Company (A+ XV AM Best and AA S&P rated)
  • Independent Specialty Insurance Company (A IX AM Best rated)


  • Our product is distributed through select wholesale brokers

Hurricane Resources

Earthquake Resources

Flood Resources

Protect your large business assets with speed and ease

Ready for a quote? We’ll connect you with the right agent to provide an estimate for your unique coverage needs.

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    Request Quote by Phone

    (615) 942-0740

    Corporate Office

    Velocity Risk Underwriters, LLC
    10 Burton Hills Blvd., Ste 300
    Nashville, TN 37215
    Get directions

    Product or Policy Inquiries:

    Personal Lines: (844) 878-7529
    Small Commercial: (844) 878-7529
    Large Commercial: (615) 942-0740