Our Products

We are proud of the service, products and stability we offer our agents and brokers. Through hurricanes, wind and hail or earthquakes, you can build the right policy for your client, every time.

ICAT currently provides three commercial property coverage options—Wind coverage on an NPNA form, Earthquake coverage on a DICNA form and All Other Perils coverage on an SCOL form.


Wind, GL and All Other Perils coverage are provided in Tier 1 and 2 counties in Florida, the Eastern Seaboard, Gulf and Hawaii. Earthquake coverage is provided in California, the Pacific Northwest, New Madrid, Hawaii and Intermountain regions.


ICAT’s target commercial occupancies are main street and habitational businesses. Target occupancies include:

  • Condominiums
  • Apartments
  • Office
  • Retail
  • Service
  • Restaurant


Residential earthquake coverage in California and residential hurricane coverage in Hawaii is on an admitted basis using a Named Peril form.

<b>Commercial</b> Wind/Hail icon

Commercial Wind/Hail

ICAT offers Wind/Hail Only coverage to commercial property owners in the Gulf, Florida and the Eastern Seaboard on behalf of ICAT Syndicate 4242 of Lloyd’s of London and on behalf of other insurance companies. Coverage is written on a non-admitted basis using a Named Peril policy form. Full-limit quotes...

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<b>Commercial</b> Earthquake Coverage icon

Commercial Earthquake Coverage

Earthquake coverage is offered to commercial property owners in the Western United States and in the New Madrid states on behalf of ICAT Syndicate 4242 of Lloyd’s of London and on behalf of other insurance companies. Coverage is written on a non-admitted basis using a Difference in Conditions policy form....

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<b>Commercial All Other Perils</b> Coverage<br>in Hurricane Regions icon

Commercial All Other Perils Coverage
in Hurricane Regions

All Other Perils coverage is offered to commercial property owners and tenants in the Gulf, Florida, Eastern Seaboard, and Hawaii on behalf of ICAT Syndicate 4242 of Lloyd’s of London and on behalf of other insurance companies. Coverage is written on a non-admitted basis using a Special Causes of Loss...

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<b>Commercial Hurricane</b> Coverage in Hawaii icon

Commercial Hurricane Coverage in Hawaii

ICAT offers Named Hurricane coverage to commercial property owners in the State of Hawaii on behalf of ICAT Syndicate 4242 of Lloyd’s of London and on behalf of other insurance companies. Coverage is written on a non-admitted basis using a Named Peril form. Quotes for full limits, primary, buffer and...

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<b>Residential</b> Earthquake in California icon

Residential Earthquake in California

ICAT offers standalone earthquake coverage to homeowners in the state of California for Coverage A (Building) of $5,000,000 and less. Coverage is written on an admitted basis using a Named Peril form. Complete and flexible coverage options ensure the best pricing and enhancements for each customer. Coverage is written on behalf...

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<b>Residential Hurricane</b> Coverage in Hawaii icon

Residential Hurricane Coverage in Hawaii

Named Hurricane coverage is offered to residential property owners in the State of Hawaii for accounts with dwelling limits of $5,000,000 and less. Coverage is written on an admitted basis using a Named Peril form. ICAT’s residential hurricane program is administered through www.icat.com and is written on behalf...

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