Streamlined Submissions
Our streamlined intake and technology-enabled workflows simplify submissions, minimize back-and-forth, and provide brokers with clear answers.
Precision Coverage for Catastrophic Property Risks.Delivered at the Speed of Risk.
Index Risk partners with wholesale brokers and property owners to close critical deductible gaps and difference-in-conditions risks.
Submissions Processed in <60 Minutes
White Glove Service
Backed by A Rated Capacity
Our Solutions
Solutions for Complex Property Risks
Higher deductibles and coverage gaps can leave commercial properties dangerously exposed. When retained exposure exceeds lender requirements or a business's balance sheet risk tolerance, difference-in-conditions coverage becomes essential. That's where Index Risk steps in.
Wind Deductible Buyback
Provides a defined first-loss layer that reduces windstorm deductibles in catastrophe-exposed property programs, for both inland and coastal exposures, improving claim certainty, satisfying lender requirements, and balance-sheet protection.
Read more about Wind Deductible BuybackWind Deductible Buyback
Provides a defined first-loss layer that reduces windstorm deductibles in catastrophe-exposed property programs, for both inland and coastal exposures, improving claim certainty, satisfying lender requirements, and balance-sheet protection.
Read more about Wind Deductible Buyback
Wildfire Deductible Buyback
Earthquake Deductible Buyback
Terrorism Insurance
Flood Insurance
Earthquake Insurance
What Makes Us Different
Where Disciplined Underwriting Meets Decisive Execution.
Index Risk was built for asset owners facing rising deductibles that create uncertainty, complicate financing, and expose capital at the moment of loss.
We provide targeted difference-in-conditions and specialty property coverage that transforms retained exposure into defined, dependable protection.
By focusing on lowering deductible exposures, we evaluate risks quickly and place coverage to respond exactly as intended when it matters most.
The Index Risk Difference
Precision and speed, built into every step
From first submission to renewal, our process is designed to move as fast as the risk itself.
Fast, Decisive Underwriting
Most quotes are delivered in under an hour, helping you respond to clients quickly and keep placements moving.
Responsive From Quote to Renewal
Our team prides itself on providing white-glove support at every stage of the policy lifecycle with anticipatory service, clear documentation, and dependable execution.
Specialty Underwriting, Direct Access
Our singular focus on difference-in-conditions gives wholesale brokers direct access to specialists who understand complex property exposures and structure precise coverage around each insured's actual risk.
Working With Us
Index Risk partners with brokers who specialize in complex property risk and value speed, precision, and disciplined underwriting.
We work with brokers with specialty property books that include coastal and convective wind, wildfire, earthquake, and other high-value or catastrophe-exposed risks. We welcome conversations with teams seeking a long-term DIC trading relationship.
