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.
