ICAT offers Wind/Hail Only and Differences in Conditions coverage to commercial property owners in the Gulf, Florida and the Eastern Seaboard on behalf of ICAT Syndicate 4242 of Lloyd's of London and on behalf of other insurance companies. Coverage is written on an admitted and a non-admitted basis using a Named Peril or Difference in Conditions policy form. 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.

Eligible states generally include the Tier 1 and 2 counties proximate to the coast in Texas, Louisiana, Mississippi, Alabama, all of Florida, Georgia, South Carolina, North Carolina, Virginia, Maryland, Delaware, New Jersey, New York, Connecticut, Rhode Island, Massachusetts, New Hampshire and Maine. Commercial Wind/Hail and Difference in Conditions coverage is also underwritten in Florida on an admitted basis on behalf of ICAT Specialty Insurance Company for accounts under $5,000,000 in total insured value.

Wind/Hail and DIC 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: Ordinance or Law, Mold Clean-Up and Removal and TRIA.

Target Accounts for the Commercial Wind/Hail 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.