Excess & Surplus Appetite

Insurance Appetite for Excess & Surplus Lines

At IAT, we understand that standard markets don’t always fit complex or hard-to-place risks. Our Excess & Surplus solutions are designed to provide agents and brokers with flexible, specialized coverage options backed by experienced underwriting and claims service.

Excess & Surplus Office Buildings

Features & Capabilities

In addition to an experienced underwriting team delivering tailored coverage solutions, IAT offers:

  • Full package capabilities, including General Liability, Liquor Liability, and Property
  • A competitive property appetite with higher limits than many Excess & Surplus carriers
  • Nationwide availability in all 50 states and Washington, D.C. on non-admitted (E&S) paper
  • Up to $10M limits and participation in the first $50M excess of primary
  • Follow Form Excess and Umbrella Liability coverage forms
  • Seamless rate, quote, bind, and issue capabilities through the Unity platform, enhanced by integrated third-party data such as ITV, crime scoring, and distance-to-coast analytics
  • A dynamic risk tiering model designed to support more accurate and competitive pricing

Industries We Support Through Binding

Artisan Contractors
  • Carpentry
  • Cleaning
  • Painting
  • Handymen/Remodelers
LRO
  • Shopping Centers
  • Mercantile
  • Light Warehousing
Manufacturing & Distributor Risks
  • Food Products Manufacturing
  • Boxes or Container Manufacturing
  • Sign Manufacturing
  • Brush or Broom Manufacturing
  • Wax or Wax Products Manufacturing
Habitational
  • Apartments
  • Dwellings
  • Condos
Restaurants
  •  Restaurants with Table Service
  • Caterers/Food Trucks
  • Liquor (30% or less alcohol)
Miscellaneous
  •  Convenient Stores
  • Daycares

Industries We Support Through Excess Casualty

Contractors
  • Commercial General Contractors
  • General Contractor Project – Specific Risks
  • CCIP/OCIP Wrap-Ups
  • Trade/Artisan
Hospitality
  • Restaurants
  • Catering Halls
  • Bars/Taverns
  • Bed & Breakfasts
Product Manufacturing
  • Industrial Machinery Manufacturing
  • Farm Machinery and Related Equipment
  • Construction Equipment
  • Furniture Manufacturing
  • Household Appliance Manufacturers and
    Distributors
Commercial Auto Liability
  • Moving & Storage
  • Contractor Fleets
  • Recycling & Waste Haulers
  • Manufacturer & Distributor Fleets
Premise Risks
  • Commercial Buildings
  • Shopping Centers
  • Hotels/Motels
  • Apartment Buildings

Appetite Guides

Download a PDF of our Binding Authority and Excess Casualty Appetite Guides here.