What We Do

ICAT provides property insurance protection to homeowners and businesses located in hurricane- and earthquake-exposed regions of the United States.

Small commercial and residential accounts are underwritten and bound using an online platform that provides instant quotes 24 hours a day, 7 days a week. Middle market accounts are underwritten and quoted by ICAT’s experienced team of Property Underwriters. We take great pride in the service, products, and stability we deliver to our agents and brokers.

ICAT is built around five core underwriting fundamentals:

  1. Risk selection and pricing
  2. Risk inspection
  3. Aggregate (exposure) management
  4. Catastrophe modeling
  5. Claims management

ICAT underwrites on behalf of ICAT Syndicate 4242 of Lloyd’s of London (rated “A” (Excellent) by A.M. Best Company, “A+” (Strong) by Fitch Ratings, and “A+” (Strong) by Standard & Poor’s).  We partner with other insurance companies, including:

  • National Fire & Marine Insurance Company (Berkshire Hathaway Group of Insurance Companies)
  • QBE Specialty Insurance Company
  • Indian Harbor Insurance Company (an XL Group Company)
  • Ariel Re, Syndicate 1910 at Lloyd’s of London
  • North American Capacity Insurance Company
  • Pacific Specialty Insurance Company
  • Harco National Insurance Company
  • Centauri Specialty Insurance Company
  • Neon Underwriting

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