Our History

ICAT was founded in 1998 to provide catastrophe insurance coverage to business owners throughout the United States. The scope of our business activities has broadened significantly but we remain committed to our original vision: We are a highly specialized and disciplined underwriter of catastrophe insurance risk.

We operate in all states that are immediately proximate to the Gulf Coast and Atlantic Coast, Hawaii and in all states that carry a material exposure to earthquake events.

We partner with select retail agents and wholesale brokers, and use sophisticated underwriting and risk management tools to keep our exposure to loss at appropriate levels. ICAT has offices in Broomfield, Colorado (our home office) and underwriting offices in Florida and Hawaii.


In 2005, Boulder Claims was formed to provide comprehensive claims services on all claims from policies underwritten by ICAT, and other select partners. Boulder Claims has processed over 23,000 catastrophe claims, paid out over $1.05B and handled 29 catastrophe events.


Since 2007 we have been focused on adding additional carrier partners and providing additional products in the market to meet the needs of homeowners and business owners in catastrophe-exposed regions of the United States.  This includes our Residential California Earthquake program and Residential Multi-Peril program in the Gulf and Eastern Seaboard states. 


We now protect over 65,000 homes and businesses from the risks associated from a disaster, and remain committed to providing:

  • Industry-leading catastrophe expertise
  • A stable and consistent market
  • A broad underwriting box with innovative product solutions
  • Market-leading technology
  • Exceptional customer service
  • Best-in-class claims handling with in-house claims authority

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