United States

Catastrophe coverage when you need it most. ICAT is a leading provider of property insurance protection to homeowners and businesses located in hurricane- and earthquake-exposed regions of the United States.

Commercial Property Catastrophe

ICAT provides commercial property catastrophe coverage for many residential and business occupancies, including condominiums, apartments, offices, retail, service and restaurants in 42 catastrophe-exposed states. The types of coverage brokers and agents can place through ICAT include:

  • Wind/hail
  • General liability package policies
  • Earthquake
  • Hurricane (in Hawaii)
  • All other perils

Additional optional coverages include excess flood, ordinance/law, valuable arts, earthquake sprinkler leakage, equipment breakdown and mold clean-up and removal.

We offer innovative and customized catastrophe coverage solutions to help business owners and homeowners recover quickly from a disaster.”

Residential Property

Residential earthquake coverage in California and residential hurricane coverage in Hawaii is offered on an admitted basis.

  • Earthquake (in California): ICAT's California Earthquake product has protected homeowners since 2014 from the risks of an earthquake event with customized package solutions.
  • Hurricane (in Hawaii): ICAT provides an admitted stand-alone “named” hurricane policy to complement a homeowners policy. Flexible deductible options range from 1% - 10%.
  • Multi-Peril (in the Gulf and Eastern Seaboard): ICAT collaborates with select wholesale brokers to offer non-admitted homeowners and wind-only policies on behalf of Paraline Syndicate 4242. Our comprehensive product offers full homeowners wind-only coverage for coastal Tier 1 and Tier 2 homes in the Gulf and Eastern Seaboard.
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