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, we provide you with the tools and solutions to meet those needs through our comprehensive Excess and Surplus (E&S) Lines offerings. Our E&S products are designed to help you protect your clients' businesses, no matter how complex or unconventional their risks may be.

Why Excess and Surplus Lines Insurance?

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. By offering these specialized solutions, you can ensure that your customers receive 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.

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.

Comprehensive Coverage Options

Our E&S coverage options are broad and include:

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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General Liability

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

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Liquor Liability

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

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Property Insurance

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

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Target Classes

IAT’s E&S solutions cater to a wide range of industries, making it easier for you to offer comprehensive coverage across multiple sectors. Some of the target classes include:

Contractors Hospitality Mercantile Restaurants Machinery Manufacturing Product Manufacturing

Partner with IAT Insurance Group

When you partner with IAT Insurance Group, you gain access to deep industry expertise and a broad range of E&S solutions designed to meet business owners diverse needs. Our commitment to flexibility and customization ensures that you can offer the right coverage, even for the most challenging risks.