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Commercial AOP and all Residential New Business Moratorium Issued for New Jersey Wildfires

​​​​​Effective Wednesday, April 23 at 3:00 PM EST, ICAT will implement a new business moratorium in New Jersey for Commercial AOP and all Residential in the following zip codes: 08005, 08758, 08731, 08734, 08721 and 08722.

Please note you can still bind wind-only commercial coverage.

Welcome to ICAT

Security. Service. Recovery.

At ICAT, we have a single goal: 

help business owners and homeowners

recover from a disaster.

Catastrophe Coverage When you Need it Most

Welcome to ICAT, where our unwavering commitment to our customers sets us apart. With over two decades of industry-leading expertise, we take great pride in being elite providers of comprehensive catastrophe insurance since 1998. Our dedication to protecting our customers means more than just coverage – it means tailored solutions, enhanced security, and the peace of mind that comes from partnering with a diverse lineup of strong carrier partners.

Today, we protect the homes and businesses of over 50,000 individuals in catastrophe-exposed regions across the United States. Experience the difference with ICAT, where security, service and recovery are our top priorities.

Boulder Claims

Founded in 2005, Boulder Claims is a wholly-owned subsidiary of ICAT and provides comprehensive claims services on claims from policies underwritten by ICAT. Our service is seamless with our state-of-the-art electronic claims administrative technology. Boulder Claims has successfully adjusted and settled more than 43,000 commercial and residential claims, issued over $3.4B in payments to restore insureds’ lives and businesses, and handled over 70 events.

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ICAT Online, ICAT's online quoting and underwriting system, is available to our agents and brokers 24/7. ICAT Online is your one-stop shop for getting instant quotes, accessing tools and resources, and using our chat for quick answers to all your questions. Log into ICAT Online to get a quote in minutes!

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Catastrophe Information Center

Visit our Catastrophe Information Center for updates on current moratoriums, active events, disaster preparedness and more. 

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Discover Our Products

We are proud of the service, products and stability we offer our agents and brokers. Through hurricanes, wind and hail or earthquakes, you can build the right policy for your client, every time.

Commercial All Risk Including Wind

ICAT offers All Other Perils coverage to commercial property owners and tenants in the Gulf, Florida, Eastern Seaboard and Hawaii. Wind/Hail Only coverage may be available in some areas on a Named Peril basis. 

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Commercial Earthquake

Commercial Earthquake coverage is offered to commercial property owners in the Western United States and in the New Madrid states.

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Coastal Homeowners

The ICAT Homeowners product is a Non-Admitted Homeowners product offering full Homeowners coverage for coastal Tier 1 and Tier 2 homes in the Gulf and Eastern Seaboard.

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Residential Hurricane

Residential Hurricane coverage is offered to residential property owners in Hawaii. Coverage is written on an admitted basis using a Named Peril form.

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ICAT by the Numbers

50,000+

Insureds Protected

+53

Net Promoter Score