Insurance for Businesses

Commercial Property

As a member of the IAT Insurance Group, Service Insurance Company offers a variety of Commercial Property coverages in Florida through our network of independent agents.

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Commercial Flood

IAT Insurance Group offers flood coverage for commercial property through its National Flood Insurance Write Your Own Carrier, Occidental Fire & Casualty Company of North Carolina.

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DealerPack: Dealerships

As a member of the IAT Insurance Group, the DealerPack unit founded in 1973, is well known in the franchised auto, truck dealership markets, and we are an emerging player in franchised motorcycle, recreational vehicle (RV), and equipment dealership markets.

Our commitment to operational excellence translates into fast and fair claims handling and efficient policyholder services. Decades of experience in this important niche market mean that we have the specialized coverages required by today’s dealership.

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Excess Casualty Mid-Market E&S

Excess Casualty is a stand-alone division of IAT Insurance Group, for larger national and regional domestic wholesale brokerages, specializing in the placement of middle market surplus lines excess casualty business.

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Independent Contractor: Motor Carrier Settlement Deduction

IAT Insurance Group focuses on the unique insurance needs of Independent Contractors leased to motor carriers in the General Freight, Moving and Storage & Home Delivery industries. Offered by IAT member TRANSGUARD, our Independent Contractor Program offers a complete line of comprehensive, competitively priced insurance coverage, geared towards helping Independent Contractors fulfill the insurance requirements of the motor carrier to whom they are contracted.

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Mexico Non-Resident Commercial Auto

As a member of IAT Insurance Group, Commercial Alliance Insurance Company (CAIC), has developed an extensive portfolio of solutions for commercial vehicles coming from Mexico into the USA for business. An innovator in providing solutions for customer needs, CAIC shares the commitment to service and overall mission of excellence for which IAT is known.

Every truck in the US must carry liability insurance to cover damages to third parties (bodily injury and property damage). This rule applies to all vehicles regardless of nationality or place of permanent residence and failure to comply with this regulation could lead to monetary fines and detainment of the vehicle. CAIC has coverage to meet this need and more.

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IAT Insurance Group offers broad licensing authority and national access for our partner MGA’s to enable sustainable competitive advantage for unique insurance products and markets.  We are open to a wide array of business and can facilitate capacity for new or existing markets.

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Moving & Storage Company Package

As a member of the IAT Insurance Group, TransGuard Insurance Company of America, Inc. has become the trusted name in moving and storage.  For over 40 years TransGuard has focused on the needs of the industry and is fully committed to providing clients with the finest, most comprehensive insurance coverages. 

We are proud of our customer-focused service and have the best claims handling in the industry. Designed to insure a variety of movers, TransGuard has developed a complete package policy.

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IAT Reinsurance is a quoting market for all treaty classes of property and casualty lines. We support proportional and non-proportional reinsurance for domestic and international clients. The majority of our business structures are working layers.

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Specialty Excess & Surplus Lines

IAT Specialty is a member of the IAT Insurance Group and provides insurance for commercial risks involving general liability, property, garage liability, excess/umbrella, in addition to a number of secondary coverages.  Most coverages offered are considered part of the Surplus Lines market.  Coverages include more difficult risks that the standard lines markets will not offer. 

IAT Specialty only conducts business through contracted independent general/wholesale agencies and writes in all 50 states.

Coverages include:

Commercial General LiabilityLiquor LiabilityUmbrella/Excess LiabilityCommercial PropertyPackage PoliciesCrimeInland MarineEmployment Practices LiabilityEquipment BreakdownGarage

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Truck Retail - Monthly Direct Bill

IAT Insurance Group has decades of trucking underwriting experience. Our Retail-Direct Bill division offers a unique monthly direct bill payment plan for owner/operators and small to medium fleets. Whether you own a single truck or a fleet, we understand your needs and the importance of providing prompt attention to State, Federal and Canadian filings.

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Trucking - General Agency

IAT Insurance Group Trucking - General Agency provides insurance coverage for commercial transportation risks for primary and non-trucking liability, physical damage, motor truck cargo and general liability, in addition to a number of secondary coverages.

Trucking - General Agency partners with General Agents who wish to participate in the underwriting and policy administration of non-fleet risks (up to 10 power units). Fleet submissions (10 to 500+ power units) are accepted on a referral basis by our in-house Underwriters from both General Agents and Wholesale Agents.

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