Amwins and Vivere have launched an exclusive California FAIR Plan Wrap product designed to address coverage gaps for insureds who rely on the state’s insurer of last resort.
Developed by Vivere and distributed exclusively through Amwins, the new product offers comprehensive coverage for commercial and dwelling risks across entire portfolios of California FAIR Plan insureds.
Filling a Gap in the California Property Market
Wildfire exposure, regulatory constraints, and capacity limitations have pushed many California property owners onto the FAIR Plan. However, the FAIR Plan does not cover all perils, and its limits often fall short of what insureds need. The Wrap product provides non-fire protection and covers losses that exceed FAIR Plan limits, bringing total coverage closer to private-market standards.
Product Details
For commercial risks, the product offers wrap limits up to $100 million. Dwelling wrap limits are available up to $3 million. All offerings are written on “A” rated paper and are subject to the Wrap policy’s terms, conditions, limitations, and exclusions.
Vivere built the product on proprietary technology that streamlines the quoting process. Using only a completed California FAIR Plan application, retailers can generate quotes for individual risks or entire portfolios within minutes.
“Efficiency and underwriting discipline don’t have to be mutually exclusive,” said Rachael Dougherty, Chief Underwriting Officer, Specialty Property at Vivere. “This product brings together advanced technology and experienced underwriting to make it faster and easier for agents to place complex California property risks.”
Bob Black, Executive Vice President and National Property Practice Leader at Amwins, added: “In today’s California property market, the FAIR Plan is often a necessary starting point, but it’s rarely a complete solution. This product was built to address the real coverage gaps insureds are facing, combining broad protection, strong paper, and a streamlined placement process to help our partners deliver quality solutions with confidence.”
About the Companies
Amwins is the largest independent wholesale distributor of specialty insurance products in the U.S. Based in Charlotte, N.C., the company operates through more than 138 offices worldwide and handles premium placements of more than $50 billion annually.
Vivere, founded in 2025, is an independently owned specialty insurance platform. The company focuses on pairing underwriting expertise with purpose-built technology to improve speed, precision, and efficiency.
For more information, contact your Amwins property broker or Amwins Access underwriter.
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