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ICAT

ICAT is the catastrophe division of Victor Insurance.

ICAT provides property insurance protection to homeowners and businesses located in hurricane- and earthquake-exposed regions of the United States. 

Along with Victor, ICAT takes great pride in the service, products, and stability they deliver to agents and brokers.

Catastrophe coverage when needed most

With over two decades of industry-leading expertise, ICAT takes great pride in being elite providers of comprehensive catastrophe insurance since 1998. Their dedication to protecting customers means more than just coverage – it means tailored solutions, enhanced security, and the peace of mind that comes from partnering with a diverse lineup of strong carrier partners.

ICAT’s mission is to assist people and businesses as they recover from disasters, and the promise they make to policyholders when they select ICAT to be their insurance provider.

ICAT partners receive stable and reliable capacity, responsible products, best-of-market service, strong underwriting discipline and conservative risk management.

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ICAT Insurance Solutions

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Commercial All Risk Including Wind

Commercial All Risk Including Wind

ICAT offers All Other Perils coverage to commercial property owners and tenants in the Gulf, Florida, Eastern Seaboard and Hawaii. Wind/Hail Only coverage may be available in some areas on a Named Peril basis.
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Commercial Earthquake

Commercial Earthquake

Commercial Earthquake coverage is offered to commercial property owners in the Western United States and in the New Madrid states.
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Coastal Homeowners

The ICAT Homeowners product is a Non-Admitted Homeowners product offering full Homeowners coverage for coastal Tier 1 and Tier 2 homes in the Gulf and Eastern Seaboard.
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Residential Hurricane

Residential Hurricane

Residential Hurricane coverage is offered to residential property owners in Hawaii. Coverage is written on an admitted basis using a Named Peril form.

Get Appointed

Are you a broker or agent? Learn more about getting appointed with ICAT.

Become an ICAT Producer

Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

Automotive Dealerships

Targeted, rounded solutions that keep pace with the automotive industry’s emerging risks.

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Builders Risk

Protects buildings under construction from fires, theft, natural disasters and much more.

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Business Owners Policy

Specialty insurance for small and midsize businesses, covering essentials like property damage and business interruption.

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Catastrophe Solutions

ICAT provides property insurance protection to homeowners and businesses located in hurricane- and earthquake-exposed regions of the United States.

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Contractors Equipment

Broad inland marine coverage for direct physical damage and loss to mobile machinery and equipment used for construction projects and other activities.

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Cyber

Designed for a whole host of cyber threats, such as cybercrime, system damage, business interruption and even court attendance costs.

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Design, Construction & Consultants

Far-reaching and flexible solutions for design and construction professionals. Includes professional liability; errors and omissions and property and casualty.

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Developers Errors & Omissions

Protects against the complex risks that come with real estate development services. Offers the flexible coverage developers need to navigate today's risk landscape.

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E&S Property and General Liability

Excess and Surplus coverage for unique and hard-to-place risks. Available to a broad appetite across several industries.

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Flood

Protects against major damage to homes, businesses and personal property caused by floods. Includes an industry-leading, web-based flood portal and access to real-time flood policy insurance.

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Forest & Logging

Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

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General Liability

From artisan contractors to fitness instructors, we offer essential and comprehensive protection against injury, illness and property damage for businesses.

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Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

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Miscellaneous Professional Liability

Protects against claims arising from professional malpractice. Covers a breadth of industries from advertising to surveyors, with limits up to $5m.

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Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

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Private Company Management Liability

Privately held organizations are vulnerable to a whole host of allegations. Our program provides D&O, EPL and several other essential coverages to help protect private companies.

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Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

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Real Estate Errors & Omissions

Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.

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Reinsurance

If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

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Workers' Compensation

Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.

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