ICAT Business Units

ICAT is a specialty insurer of commercial and residential properties that are located in catastrophe exposed regions of the United States. We operate our company through three business units.

ICAT Online

Our ICAT Online team underwrites small commercial accounts (generally accounts with values less than $5,000,000) using an online underwriting and quoting system that is available to our agents and brokers 24/7.

Middle Market

Our Middle Market team underwrites larger commercial accounts (generally accounts with values greater than $5,000,000, up to in excess of $100,000,000). Special commercial property accounts carry values greater than $500,000,000. Middle Market accounts are underwritten by ICAT’s experienced team of commercial property underwriters.

For both our ICAT Online and Middle Market departments:

  • Commercial All Other Peril and Wind/Hail Only products are available in the Eastern Seaboard, Gulf Coast, Florida, and Hawaii.
  • Commercial Earthquake coverage is available in the Western, New Madrid, and other states using a Difference in Conditions policy form.

Commercial property accounts are underwritten on behalf of ICAT Lloyd’s of London Syndicate 4242 (rated “A” by A.M. Best Company, “A+” by Fitch Ratings and “A+” by Standard & Poor’s) and on behalf of other well rated US domiciled insurers.

Homeowners

Hawaii Homeowners
Our Residential Hawaii team underwrites a Named Hurricane Residential policy for Homeowners in Hawaii with total insured values less than $5,000,000 utilizing an Internet based underwriting and quoting system that is available to our agents 24/7. Coverage is underwritten on behalf of Centauri Specialty Insurance Company, rated “A” by Demotech, Inc.

California Homeowners
Our Residential California Earthquake team underwrites a standalone residential single family (up to 4-plex) Earthquake product on an Admitted Named Peril policy utilizing an online underwriting and quoting system that is available to our brokers 24/7. Coverage A (Building) up to $5,000,000, deductibles as low as 5% and competitive pricing due to sophisticated pricing models. Coverage is underwritten on behalf of Pacific Specialty Insurance Company, rated “A” (Excellent) (VIII) by A.M. Best Company and Harco National Insurance Company, rated “A-” (Excellent) (VIII) by A.M. Best Company. To learn more visit EQHomeowner.com.

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