Purpose-built coverage for the gaps that keep property owners up at night.
Index Risk delivers specialty Difference-in-Conditions (DIC) solutions engineered for speed, precision, and the protection your clients actually need.
Every submission is underwritten through our proprietary Index Connect platform, resulting in faster quotes, disciplined pricing, and consistent execution you can count on.
Wind Deductible Buyback
As hurricane deductibles rise across the market, property owners often face significant out-of-pocket exposure. Index Risk's WDBB bridges the gap between underlying policy requirements and a property owner's risk tolerance. By stepping down percentage-based wind or named storm deductibles to manageable flat dollar amounts or lower percentages, we help ensure your assets remain financially protected.
Wildfire Deductible Buyback
While primary wildfire coverage is generally accessible, it frequently carries high deductibles, often starting between $250,000 and $500,000. WFDBB provides crucial structural protection in this compressed limit range, effectively filling the deductible gap and creating a more predictable exposure model for property owners navigating an evolving market.
Earthquake Deductible Buyback
Standard commercial earthquake deductibles, which typically sit at 5–15% of the total insured value, can leave property owners retaining millions in uninsured risk. EQDBB converts that unbounded exposure into a predictable, capped cost. Backed by a management team with deep underwriting expertise across key seismic territories, we offer a seamless solution for mitigating severity loss.
Terrorism InsuranceComing soon
Dedicated terrorism coverage, independent of TRIA, providing broader coverage and capacity for property portfolios.
Flood InsuranceComing soon
A flexible private flood insurance solution for commercial properties, Index Risk offers primary and excess coverage over NFIP or other private policies. With few geographic restrictions, our broad appetite extends from coastal and inland exposures to CBRA risks and positively elevated properties in moderate- to high-hazard flood zones.
Earthquake InsuranceComing soon
A foundational solution for SME property owners in seismically active regions, our Standalone Earthquake product delivers reliable capacity for full-value smaller properties and primary lines on larger commercial accounts. We offer consistent underwriting appetite across major fault lines, from California and the Pacific Northwest through to the East Coast.
