Products and services are issued by VerTerra insurance Company, a member of the ICW Group of Insurance Companies (NAIC 0922), with a financial strength rating of “A” from AM Best. VerTerra is a US domiciled surplus lines insurer, issuing insurance policies through the non-admitted market. Surplus lines insurers do not generally participate in State Guaranty Funds and therefore insureds are not protected by such funds. Non admitted policies can only be issued through duly licensed surplus lines producers. Coverage may not be issued in all states and is subject to the terms and conditions of the issued policy. The information contained herein is designed to provide information to insurance professionals and is not a solicitation. VerTerra Insurance Company is not licensed in California.