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Business Insurance
Excess Liability & Surplus
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Excess Liability & Surplus Insurance

As an agent partner, you understand that business owners have unique insurance needs that standard markets often can’t address.

At IAT, we provide you with the tools and solutions to meet those needs through our comprehensive Excess and Surplus (E&S) Lines offerings. Our E&S products are designed to help you protect your clients' businesses, no matter how complex or unconventional their risks may be.

Why Excess and Surplus Lines Insurance?

Excess and Surplus Lines Insurance is crucial for business owners who operate in high-risk industries or have non-standard needs that can’t be covered by traditional markets. By offering these specialized solutions, you can ensure that your customers receive the protection they need, even when their exposures fall outside the scope of standard insurance.

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Excess Liability & Surplus

At IAT, our Excess and Surplus Lines Insurance is crucial for business owners who operate in high-risk industries or have non-standard needs that can’t be covered by traditional markets.

IAT’s Excess and Surplus Solutions

With IAT’s E&S Insurance, you can offer business owners coverage that’s precisely tailored to their unique risk profiles. Our solutions are designed for businesses across a wide range of industries, including those that are typically hard to place. Whether your customers are in construction, manufacturing, hospitality, or real estate, we have the expertise to provide them with the protection they need.

Binding Authority

Our specialized insurance products are offered through agents and include General Liability, Liquor Liability, and Property. Our partners have authority to quote, bind and issue policies on behalf of IAT. We can offer limits up to $2M occurrence and $4M aggregate for Liability. Property limits are typically $2M or less, but up to $8M per building and $15M per policy for non-catastrophe exposed accounts on a submit basis. We utilize the latest versions of ISO property and general liability forms, including additional insured forms, along with company-specific forms.

Primary Casualty 

IAT's primary casualty division focuses on providing the right balance of coverage and price for General Liability accounts with a low exposure to frequency and a moderate exposure to severity. Target premiums in the $15,000 to $250,000 range. We can offer limits up to $2M occurrence and $4M aggregate for Liability. We utilize the latest versions of ISO general liability forms, including additional insured forms, along with company-specific forms. Submission requirements include standard ACORD application, supplemental application(s) where appropriate, and five years of current loss history.

Excess Casualty

Excess liability coverage is available for General Liability and Auto risks. We can offer limits from $1M to $10M and we will write over carriers that have an AM Best rating of A- VI or better. All policies are quoted and issued by the company. Coverage is available in all 50 states. Our team consists of dedicated professionals who possess a wealth of industry expertise and experience, totaling an impressive 125 years. We specialize in serving two distinct markets: smaller mid-market accounts (under $40K) and middle-market accounts (over $40K). When you choose us, you can trust in our commitment to quality, care, and exceptional service.

Comprehensive Coverage Options

Our E&S coverage options are broad and include:

Target Classes

IAT’s E&S solutions cater to a wide range of industries, making it easier for you to offer comprehensive coverage across multiple sectors. Some of the target classes include:

Find an agent

We work hand-in-hand with our partners to offer comprehensive insurance solutions suited to your needs. Ready to get started?

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Partner with IAT Insurance Group

When you partner with IAT Insurance Group, you gain access to deep industry expertise and a broad range of E&S solutions designed to meet business owners diverse needs. Our commitment to flexibility and customization ensures that you can offer the right coverage, even for the most challenging risks.