Excess and Surplus

Binding Authority

Our specialized insurance products are offered through agents and include General Liability, Liquor Liability, Property, Cyber Liability and Employee Benefits Liability coverages. Our partners have authority to quote, bind and issue policies on behalf of IAT. 

Target Classes

  • Artisans & General Contractors
  • Hospitality
  • Mercantile & Retail
  • Restaurants & Taverns
  • Habitational
  • Lessor's Risk's
  • Light Products Manufacturers and Distributors



Up to $2M Occurrence, $4M Aggregate


Typically $1M or less, but up to $5M PL and $15M TIV 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.

Additional Resources