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Commercial Earthquake Coverage

ICAT offers Earthquake coverage to commercial property owners in the Western United States and in the New Madrid states.

Commercial Earthquake

Our Commercial Earthquake coverage is offered through ICAT Online to commercial property owners. Accounts are underwritten on behalf of a diverse line-up of strong carrier partners including Victor Insurance Exchange, Lloyd’s of London Syndicates and other domestic partnerships. Coverage is written on a non-admitted basis using a Difference in Conditions policy form.

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Eligibility and Appetite

ICAT's Commercial Earthquake coverage is provided on Buildings, Business Personal Property, Tenant Improvements or Betterments, Business Income/Rental Value and/or Additional Property Coverage (signs, pools, fences, etc.). Optional coverage includes Flood (outside SFHA zone A and V), Earthquake Sprinkler Leakage, Ordinance or Law and Mold Clean-Up and Removal.

Target accounts are commercial habitational (condominiums and apartments), offices and retail and hotels/motels, with many other occupancies eligible. 

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Superior Claims Handling

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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Log into ICAT Online

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 utilizing our chat for quick answers to all of your questions. Log into ICAT Online to get a quote in minutes! 

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Get Appointed

Are you a broker or agent? Learn more about getting appointed with ICAT.

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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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Tools and Resources

Check out our blogs, download brochures, watch videos and more.

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Earthquake Preparedness: Before, During and After

01/30/2024
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Victor Insurance Exchange Explainer

01/01/2024
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Becoming Earthquake Proof

12/03/2023
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Shake-Proof Your Property: Six Steps to Earthquake Preparedness

10/03/2023
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ICAT Commercial Inspection Guide

09/18/2023
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Victor Insurance Exchange FAQ

08/11/2023
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Victor Insurance Exchange

07/15/2023
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Introduction to ICAT: Security. Service. Recovery.

07/11/2023
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