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

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<b>Commercial</b> Earthquake Coverage icon

Commercial Earthquake Coverage

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

Commercial All Other Perils Coverage
in Hurricane Regions

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

Commercial Hurricane Coverage in Hawaii

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

Residential Earthquake in California

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

Residential Hurricane Coverage in Hawaii

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<b>Residential Multi-Peril </b> Coverage in the Gulf & Eastern Seaboard icon

Residential Multi-Peril Coverage in the Gulf & Eastern Seaboard

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