Property Insurance

Property Insurance for Excess & Surplus Risks

Excess & Surplus

At IAT Insurance Group, we recognize that non-standard risks require tailored solutions. Our Binding Authority Property coverage is designed to protect diverse exposures that fall outside standard insurance policies, with a focus on packaging property and liability risks for streamlined protection.

What is Property Insurance?

Our Binding Authority Property coverage addresses the unique challenges faced by habitational, office, mercantile, and restaurant industries. Whether your customers own apartment buildings, office spaces, retail businesses, or commercial restaurants, our flexible policies can be customized to meet their specific needs. We provide protection for property damage, business interruption, and other significant risks that could impact operations, with limits of up to $5 million per location.

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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.

Property Insurance

Coverage Highlights

Our Binding Property coverage includes:

  • Customizable Policy Limits up to $5M per Building.

  • Dynamic Pricing and terms driven by the unique characteristics of the risk.

  • Broad Form Coverage options, Theft, Sublimits, Equipment Breakdown, Property Enhancements.

  • Wind and X-wind Options in Coastal States.

Target Classes & Industries

We specialize in providing property coverage for a wide range of industries, focusing on high-quality risks. Our key industries include:

Partner with IAT

With a deep understanding of the Excess and Surplus market, IAT Insurance Group offers more than just insurance coverage—we provide peace of mind. Our team of expert underwriters works closely with agent partners to deliver customized solutions that are both comprehensive and competitive. We’re committed to helping you secure the best possible outcomes for your customers, ensuring they receive the protection they need to thrive in even the most challenging environments.