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 $50,000,000). 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 a diverse line up of strong carrier partners and Lloyd’s of London Syndicates.

ICAT Homeowners

ICAT Homeowners
The ICAT Homeowners product includes ISO-Based HO3 and HO5 Policies that offer peace of mind for homeowners in Catastrophe-prone areas of the United States along the gulf coast and eastern seaboard. Product highlights include up to $3.5M total insured value per policy (Up to $2M Coverage A/Dwelling), coverage for both primary and secondary/seasonal properties, including full-time tenant and short-term rentals. Agents can get multiple quote options in just minutes in ICAT’s online quoting platform. Flexible payment options available!

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