Vertus Wildfire Insurance Services

Vertus Wildfire Insurance Services is a residential property MGA with full binding authority, distributing homeowners coverage exclusively to California policyholders in wildfire-exposed areas through appointed wholesale broker partners. The company operates within the Vertus Insurance Holdings family and was established in 2018 as a specialized solution to the capacity withdrawal problem affecting the California homeowners market.

The MGA underwrites HO-3 and HO-5 policies backed by A-rated carrier capacity. Rather than relying on broad market exclusions, Vertus Wildfire applies proprietary fire science models developed in collaboration with wildfire researchers to assess risk at the individual property level, accounting for local terrain, vegetation type, fire history, and proximity to fire resources. In-house claims handling rounds out the program.

Distribution runs through a network of appointed California-licensed P&C brokers via a fully digital quoting and binding platform. The company does not report GWP publicly; no external funding rounds have been disclosed, and the business appears to be self-funded or financed through its parent entity.