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Proctor Loan Protector
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Hard-to-Place Property Insurance

Hard-to-Place Property Insurance Program
Residential & Commercial Property Insurance

KwikRisk® is Proctor Financial, Inc.'s (PFI) specialty property insurance solution designed for residential, commercial, and real estate owned (REO) properties that fall outside standard underwriting guidelines. This program is a strong fit for agents and brokers looking to place challenging property risks that traditional markets may reject due to location, condition, occupancy type, or other unusual exposures. You can access this program for both financial institutions and non-financial entities. KwikRisk® is also used in conjunction with PFI’s lender-placed hazard insurance programs, Mortgage Guard® and REO Guard®, when property values exceed standard program limits or fall outside eligibility.

Ideal Accounts and Appetite

PFI specializes in hard-to-place and unusual property risks that require flexible underwriting and access to excess & surplus (E&S) lines markets. Ideal classes include:
  • Vacant properties and REO portfolios
  • Commercial buildings such as strip malls, warehouses, and office buildings
  • Non-real estate collateral like contractors’ equipment or machinery
  • New construction and renovation projects
  • Business personal property held by non-financial entities
If you have a client with a large vacant property, a mixed-use structure with prior losses, or heavy equipment that’s hard to cover, this program offers a viable solution.

Coverage Highlights and Advantages

• Hard-to-place property and unusual risks are PFI's specialty
• Coverage available for both real estate and non-real estate collateral
• Access to AM Best "A" rated E&S markets
• Each risk is individually underwritten with tailored coverages
• Quick turnaround—insurance quotes typically provided within 72 hours
• Compatible with Mortgage Guard® and REO Guard® for layered coverage needs This program emphasizes flexibility and speed, with the ability to craft terms specific to the risk characteristics of each submission.

Underwriting Notes and Minimum Premiums

All submissions are individually underwritten, allowing for customized limits, terms, and conditions. The minimum premium varies depending on the risk profile and property type. Agents are encouraged to provide complete details for accurate and timely quotes.

Territories and Availability

PFI’s Hard-to-Place Property Insurance program is available in all 50 states as well as Washington, DC, on a non-admitted basis. This broad availability makes it a convenient option for agents with multi-state portfolios or clients with dispersed assets.

Why Work With Proctor Financial, Inc.?

As a Managing General Agency with decades of experience in lender-placed and specialty property coverage, PFI brings deep underwriting expertise, responsive service, and access to top-rated E&S carriers. The KwikRisk® platform extends those capabilities to agents and brokers seeking fast, intelligent solutions for hard-to-place property risks. Whether you're working with a distressed commercial asset or a non-traditional collateral type, PFI provides the tools and market access to help you secure coverage efficiently and competitively.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for vacant properties, distressed assets, REO portfolios, commercial buildings, and non-real estate collateral like contractors’ equipment or business personal property.

Is this program available in all states?

Yes, this program is available in all 50 states and Washington, DC, on a non-admitted basis.

Can this program be used for properties that exceed lender-placed policy limits?

Yes, it can be used in conjunction with PFI’s Mortgage Guard® and REO Guard® programs when values exceed standard policy limits.

How long does it take to receive a quote?

Quotes are typically provided within 72 hours of a complete submission.

What carriers back this program?

The program accesses various AM Best rated “A” or better excess & surplus lines carriers, depending on the risk and location.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • US Territories:
    Guam, Puerto Rico, Virgin Islands
  • Provider Type:
    Managing General Agency
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A or better
  • Commission:
    Competitive
  • Min Premium:
    Varies

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5225 Crooks Rd.
Troy, MI 48098
248-824-1464
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Proctor Loan Protector has other insurance programs like Lender-Placed Hazard Insurance .