K2 Insurance Services

Leading the way with specialty
insurance programs.

Call today
(858) 866-8966
Contact Us

Specializing in Commercial DIC Insurance

About Vikco Insurance Services


Originally founded in 1965, Vikco Insurance Services, LLC is a Managing General Agency primarily focused on commercial lines products with a special emphasis on Commercial Difference in Conditions (“DIC”). The DIC division’s first market offering was a program offered through Lloyd’s of London in the aftermath of the 1994 Northridge, California earthquake. Vikco maintains and values their continued relationship with Lloyd’s – a testament to their dedication to portfolio management and underwriting results.

What differentiates Vikco in the marketplace is its focus on sound underwriting principles including proper rate development. Its reputation, unparalleled expertise and longevity in this space have earned the respect of its producer partners.


  • Certain Underwriters, Lloyd’s of London, “A” (XV)
  • Allied World National Assurance Company “A” (XV)
  • Aegis Security Insurance Company, Admitted, “A” (VII)

Product Information

  • Earthquake Shock
  • Flood
  • EQSL
  • Loss Limits up to $20 Million
  • Available Limits in All Zones
  • California and Contiguous States
  • Competitive and Consistent Pricing
  • 18+ Years of Underwriting Experience

Coverage Highlights

  • Primary, Quota Share or Excess Layers
  • No Maximum or Minimum TIV
  • Minimum Premium – $2,500
  • No Unreinforced Masonry
  • If older and has been retrofitted, we will consider
  • Exclude Flood Zone A & V (Primary Accounts)

Underwriting Guidelines/Requirements

  • Name and Mailing Address of the Insured
  • Effective Dates
  • Term
  • Requested Policy Limit
  • Requested Deductible
  • Perils
  • TIV
  • Loss History
  • Expiring Policy Information including Premium
  • Target Pricing and Layering
  • Coverage Options Requested
  • Excel Spreadsheet (SOV)

To learn more about Vikco Insurance Services, please contact:

Brian Thomas Cindric at 925.678.2103

Insurance innovation at work.

Learn more about who we are, our management team and specialty insurance products and how we can best serve you. Contact us at (858) 866-8966.