Excess & Surplus Insurance Solutions

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

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

Why Excess and Surplus Lines Insurance?

Excess and Surplus Lines insurance plays an important role for businesses operating in higher-risk industries or with unique exposures that can’t be covered by traditional markets. These risks often require more flexible underwriting and tailored coverage solutions than admitted carriers can provide. Through E&S markets, agents can help business owners secure the protection they need, even when their exposures fall outside the scope of standard insurance.

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 $2M aggregate for Liability. Property limits are typically up to $10M per location and $15M per policy dependent on spread of risk, location, and occupancy. We utilize the latest versions of ISO property and general liability forms, including additional insured forms, along with company-specific forms.

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

Finding the right Excess & Surplus coverage often depends on the nature of the risk, the industry involved, and how the business operates. Our E&S coverage options are designed to support a range of hard-to-place risks, providing tailored solutions for businesses that require underwriting flexibility beyond standard market offerings.

Excess Auto Liability

Enhanced limits that sit above primary auto liability policies to help organizations maintain operational continuity and financial security.

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Liquor Liability

Specialized coverage for businesses that manufacture, sell, or serve alcoholic beverages.

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General Liability

Broad coverage that protects against third-party claims of bodily injury and property damage.

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Property Insurance

Coverage for physical assets, including buildings, inventory, and equipment.

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Excess & Surplus Lines We Insure

Finding the right Excess & Surplus insurance depends on how your business operates. We provide coverage solutions to a wide range of industries with the flexibility complex risks often require.

Contractors Hospitality Mercantile Restaurants Machinery Manufacturing Product Manufacturing

Partner with IAT Insurance Group

IAT Insurance Group distributes its Excess & Surplus products through a network of wholesale brokers, enabling faster underwriting decisions, deeper risk evaluation, and more flexible solutions for accounts that fall outside standard market guidelines. As a wholesale broker, partnering with IAT Insurance Group gives you access to a team that understands the evolving challenges of hard-to-place risks.