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.

ICAT Residential

Our ICAT Residential team underwrites residential risks (Coverage A up to $5,000,000) in Hurricane and Earthquake exposed regions in the US. We offer Named Hurricane and Named Earthquake policies on an Admitted basis. We also offer a full Homeowners and Wind Only policies through select wholesale brokers on a Non-Admitted basis. All of our Residential products utilize online quoting systems that are available to our agents and brokers 24/7.

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