ICAT, a Victor Company

Available in AL, CT, DE, FL, GA, LA, MA, MD, ME, MS, NC, NH, NJ, RI, SC, TX, VA 

EQ Only States: AR, AZ, CA, MO, NV, TN, UT

Coverage available in many catastrophe-prone markets.

At ICAT we have a single goal – help business owners and homeowners recover from disaster.  ICAT’s customers can expect enhanced coverage off­erings and the security that comes with a diverse line-up of strong, A-rated carrier partners. We currently protect over 50,000 individuals in catastrophe-exposed regions of the United States and have paid over $3.4B in claims. Claims are managed by our in-house claims administrator, Boulder Claims.  ICAT products are underwritten in house by ICAT’s expert underwriting professionals. All solutions are available to quote and bind in our best-in-class full policy administration system, ICAT Online. ICAT Online also offers a suite of tools and resources and 24/7 chat.

Commercial Property – All Risk Including Wind

ICAT Commercial Multi-Peril product is available in the Gulf states (Texas, Louisiana, Mississippi), Florida and in the Eastern Seaboard (South Carolina, North Carolina, New Jersey) and is underwritten using a Special Causes of Loss form. All Other Perils coverage is provided on Buildings, Business Personal Property, Tenant Improvements or Betterments, Business Income/Rental Value and/or Additional Property Coverage (signs, pools, fences, etc.).  Accounts are underwritten on behalf of a diverse line up of strong carrier partners including Victor Insurance Exchange, Lloyd’s of London Syndicates and other domestic partnerships. 

Coastal Homeowners

ICAT Homeowners coverage is a non-admitted product available in Alabama, Connecticut, Delaware, Florida, Georgia, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Hampshire, New Jersey, North Carolina, Rhode Island, South Carolina, Texas and Virginia.  Home occupancies can be primary, secondary/seasonal, full-time tenant or short-term rentals.  Enhanced coverage is available for options such as Water Back-Up, Extended Replacement Cost, Equipment Breakdown and Increased Limits for Coverage C. 

Commercial Earthquake

ICAT’s commercial earthquake coverage is available in seven states (AR, AZ, CA, MO, NV, TN and UT) to our retail agency partners.  Coverage is provided on Buildings, Business Personal Property, Tenant Improvements or Betterments, Business Income/Rental Value and/or Additional Property Coverage (signs, pools, fences, etc.). Optional coverage includes Flood (outside SFHA zone A and V), Earthquake Sprinkler Leakage, Ordinance or Law and Mold Clean-Up and Removal.