Program Administrators - Victor Insurance Managers, Inc.

Victor Insurance Managers, Inc.

Programs & Coverages: Cyber Protection Package, Real Estate E&O, Kidnap, Ransom & Extortion, Non-Profit Management Liability, Public Entities, Forest & Logging, General & Artisan Contractors, Environmental & Construction Consultants, Flood

M2 Wisconsin Circle | Suite 1100 | Chevy Chase, MD 20815


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Company Description

Victor Insurance Managers Inc. (Victor)  is one of the largest and most experienced underwriting managers of specialty insurance programs in the world. Our expertise lies in evaluating risks, implementing program marketing, developing and executing risk management activities, and servicing accounts on behalf of our insurance company partners. We distribute our solutions through a large network of independent insurance brokers. Please send questions or submissions to

Programs & Coverages

Cyber Protection Package

Cyber attacks are increasing with frequency and intensity. Companies of all types and sizes, in ever larger numbers, are turning to their insurance professionals to provide solutions for this growing problem.

The Schinnerer Cyber Protection Package is your answer. Developed with your clients’ needs in mind, Victor O. Schinnerer & Company offers a sophisticated cyber policy that is customizable for small and mid-size companies, yet scalable to meet the needs of larger organizations. Using our Broker Portal, agents and brokers can quote, bind and issue a customized cyber policy in minutes.

Coverage Bundles & Optional Endorsements

Digital Crime:

First-of-its-kind bundle of coverages to protect your company from various types of digital crime including:

  • Electronic transfer of funds
  • Telephone toll fraud
  • Cyber extortion
  • Deceptive transfer

Breach Liability:

Broad liability coverage for any suits or demands related to cyber that result in a loss to your company including:

  • Privacy liability
  • Website media liability
  • Regulatory
  • Payment card industry (PCI)

Breach Rectification:

Coverage designed to get your business back on track as quickly as possible all while protecting your company’s brand and reputation. The coverage suite includes:

  • Data breach team
  • Business interruption
  • Digital asset loss

Tyler Nickels
(267) 408-4045


Real Estate E&O

When it comes to providing insurance for real estate professionals, Schinnerer brings a lot to the table. Our length of experience has led us to develop Realty Choice, a program designed to meet the needs of a diverse industry. Schinnerer's Real Estate E&O program is the exclusive E&O insurance partner for the NATIONAL ASSOCIATION OF REALTORS®

Program highlights include:

  • Minimum deductible: $1,000
  • Minimum premium: From $300 to $925
  • Limits: Up to $5 million
  • 5% credit for NAR members
  • Available in all states
  • Broad coverage for professional services
  • No charge for the discrimination and environmental hazards coverage
  • Property management coverage
  • First dollar defense
  • Experienced claims handling
  • Risk management services
  • Optional EPL endorsement

Brian Cropp
(240) 281-3690


Kidnap, Ransom & Extortion

Schinnerer offers kidnap and ransom coverage to meet a growing need to companies operating in both foreign and domestic markets.

Program highlights include:

  • Minimum premium: $1,000
  • Deductible: No retention or deductible
  • Limits: Up to $65 million
  • Available in all states & District of Columbia
  • A recognized international crisis management consulting firm
  • Flexible policies/worldwide coverage
  • Limits up to $65 million
  • Coverage for directors, officers & employees
  • Coverage for kidnap, ransom, extortion, hijack, detention
  • Customized K&R piracy coverage for marine vessels traveling internationally
  • Enhanced endorsements available for academic institutions and hospitals and healthcare orgs

John O'Mara
(630) 418-4423


Non-Profit Management Liability

Schinnerer offers directors & officers, employment practices liability, crime, kidnap & ransom, and fiduciary coverage to non-profit organizations. Our policyholders can be protected against alleged claims of fraud, unfair competition, employment discrimination, sexual harassment, wrongful termination, discrimination, and employee and pension plan mismanagement.

Program highlights include:

  • Minimum premium: $650
  • Limits: Minimum $250,000/maximum $5 million
  • Available in all states, the District of Columbia and Puerto Rico
  • Admitted coverage with an A rated carrier

Target classes of business include:

  • Trade and professional associations
  • Charities
  • Museums
  • Chambers of commerce
  • Agricultural co-ops
  • Social services with overnight facilities
  • Senior care organizations

John O'Mara
(630) 418-4423


Public Entities

We understand how your world functions. We’ve developed our expertise by working with cities, counties, special districts and hundreds of schools and colleges.

Coverages include:

  • Worker’s Compensation
  • General Liability
  • Law Enforcement Liability
  • Public Official's E&O Liability
  • Automobile Liability and Physical Damage
  • School Leader''s Liability
  • Storage Tank coverage
  • Emergency Service Org coverage
  • Youth Group and Volunteer AD&D
  • Property
  • Inland Marine

Michael McClanahan
(713) 787-2431


Forest & Logging

The Forest program provides the following coverages for operations that involve logging, log road construction, and the hauling of logs and chips.

General liability

  • $1M/$2M Limit
  • Protects against bodily injury or property damage
  • Loggers broad form - Covers fire suppression, loading, unloading and damage to timberlands

Commercial auto

  • $1M CSL
  • Pollution at policy limits (all vehicles)
  • Deductible varies depending on vehicle size
  • Automobile liability covers third party bodily injury or property damages incurred from the use or maintenance of vehicles


  • Mobile equipment coverage on yard equipment
  • Cargo
  • Coverage provides protection for fire, theft, vandalism, and some weather damages


  • Employers Liability
  • Provides coverage once a primary policy limit is exhausted

Forest is available in all states* on an admitted basis.

*Forest is written direct in California and not available in NY.

Ryan Medigovich
(619) 456-7775


General & Artisan Contractors

We insure general, design-build and artisan/specialty contractors, as well as, agency and at-risk construction management firms in our General & Artisan Contractors program.

Our program combines the liability protection contractors need with the flexibility and services Schinnerer is known for. Choose professional liability, errors & omissions, pollution liability or project-specific coverage.

Program highlights include:

  • Premiums starting at $3,200 for artisan contractors; $6,000 for general contractors
  • Limits up to $10 million
  • Minimum self-insured retention is $3,000 for artisan contractors and $10,000 for general contractors
  • Project-specific policies available
  • Retroactive coverage is available for eligible firms
  • Coverage is written on a non-admitted basis

Jake Terrell
(713) 597-0200


Environmental & Construction Consultants

We have a family of policies to protect firms against the risks associated with the environmental industry. These coverages include:

  • Professional liability
  • Property and Casualty
  • Employment Practices liability
  • Fiduciary liability
  • Directors & Officers liability
  • Optional cyber liability endorsement

Target risks include: All environmentally related consultants and engineers including geologists, hydrologists, biologists, wetland consultants, archeologists, testing labs and consulting engineering firms specializing in environmental and hazardous and toxic waste projects and many others.

Program highlights include:

  • Available in all states, the District of Columbia and U.S. territories
  • Minimum deductible: $1,000
  • Minimum premium: $1,000
  • Limits: Up to $20 million
  • Pollution coverage for all services
  • Retroactive coverage available for eligible firms
  • Free pre-claims assistance
  • Risk management and loss prevention services
  • Multi-year policy for small accounts
  • Premium credit for AIA and NSPE members

Jake Terrell
(713) 597-0200



Schinnerer Flood is your gateway to National General Insurance and the National Flood Insurance Program. With Schinnerer, you have access to an industry-leading, web-based flood portal. Schinnerer Flood utilizes the industry’s swiftest and most comprehensive tool for real-time flood insurance policy issuance and retention management, making the process easy for you and ensuring your clients are financially protected.

Schinnerer Features

  • Market-leading commission
  • Easily transition current book of business from any other vendor            
  • Issue a policy in minutes
  • Quote primary and excess flood coverage within Schinnerer Flood portal        
  • View all policies in relation to flood zones
  • Highest level of FEMA compliance

Real-time Transactions

  • Over 60% of policies are issued instantly and require no referral        
  • For policies that require referral, agents can obtain the policy declarations immediately by contacting the service team        
  • View insured, book and accounting history
  • Agents, mortgage companies and insureds can easily view and pay renewal bills

Claims Reporting & Management

  • Instant access to flood insurance claims data
  • Real-time claims status and historical reports

Unmatched Service & Support

  • Dedicated customer service from a team of underwriters with National Flood Insurance Program experience

Zach Vollmer
(301) 951-9795