Multi-Peril coverage is offered to commercial property owners and tenants in the Gulf, Florida, Eastern Seaboard and Hawaii on behalf of ICAT Syndicate 4242 of Lloyd's of London and on behalf of other insurance companies. Coverage is written on a non-admitted basis using a Special Causes of Loss form and includes Wind/Hail coverage. Full limit quotes for accounts with smaller total insured values can be obtained instantly through www.icat.com; quotes for full limits, primary, buffer, and excess layers on larger accounts are available through an ICAT middle market account underwriter.

The Commercial Multi-Peril product in the Gulf states (Texas, Louisiana, Mississippi, Alabama), Florida and in the Eastern Seaboard (Georgia, South Carolina, North Carolina, Virginia, Maryland, Delaware, New Jersey, New York, Connecticut, Rhode Island, Massachusetts, New Hampshire and Maine) is underwritten using a Special Causes of Loss form. Multi-Peril 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.).

Target Accounts for the Commercial Multi-Peril program are commercial habitational (condominiums and apartments), offices, retail and hotels/motels, with many other occupancies eligible. Accounts are typically under $100,000,000 in total insured value.

ICAT's website offers full limits quotes for accounts with smaller TIVs; our Middle Market Business Unit offers full limits or primary, buffer or excess layers. Specific guidelines and per risk capacity vary by territory and based upon account risk characteristics.