Products

IAT Specialty offers the following products:

Brokerage

Submissions accepted from agents contracted with this department in the Scottsdale office.

  • Habitational risks
    • Apartments
    • Hotels/motels
    • Dwellings
    • Condo associations
  • Restaurants and taverns
  • Property owners - LRO
  • Mercantile and retail
  • Artisan and specialty contractors
    • No new residential condos, townhomes or tract home projects with more than 25 units
    • No new residential general contractors
    • No artisans with more than 50% subcontracted work
    • $5,000,000 or more in receipts
  • Machinery installation/service/repair and elevator service/maintenance
  • Grocery/convenience stores
  • Products liability - short to medium tail exposures

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Binding

Submissions accepted from agents contracted with this department in the Scottsdale office.

  • Casualty
    • Artisan and Specialty Contractors
      • No new residential condos, townhomes or tract home projects with more than 25 units
      • No new residential general contractors or developers
      • No commercial general contractors with more than 25% subcontracted work or artisans with more than 50% subcontracted work
      • $5,000,000 or less in receipts
    • Beauty salons/barber shops
    • Day care for children/adults – no overnight exposures
    • Doggie day care
    • Employment practice liability
    • Exercise studios
    • General liability low hazards operations and premises
    • Grocery/convenience stores with or without gasoline sales
    • Guides/outfitters
    • Habitational exposures
      • Apartments
      • Condo/homeowner associations
      • Dwellings – commercial owned/LRO
      • Hotels/motels/bed and breakfast inns
    • Hunt clubs/hunt preserves
    • Mercantile and retail
    • Property owners - LRO
    • Recycling centers/recycling collection centers
    • Restaurants – with or without alcohol sales and neighborhood taverns (no nightclubs)
    • Shooting, skeet and archery ranges
    • Special events
    • Sun tanning operations
    • Truckers general liability, excluding auto exposures
    • Vacant land
  • Crime
  • Equipment breakdown
  • Inland marine
  • Liquor liability
  • Property

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Excess/Umbrella

Profile

  • Umbrella and excess coverage is available in all states.
  • We will write over carriers that have an AM Best rating of A- VI or better.
  • All umbrella and excess business is quoted and issued by the company.
  • Excess/Umbrella policy limits range from $1,000,000 to $5,000,000.
  • Minimum attachment points:
    • Auto - $1,000,000 CSL
    • General Liability - $1,000,000/$2,000,000 Aggregate
    • Excess Liability - $500,000/$500,000/$500,000
    • Garage - $1,000,000/$1,000,000/$2,000,000
    • Liquor - $1,000,000/$1,000,000

Common Classes of Business

Transportation Classes

  • Contractor's vehicles
  • Gasoline/fuel oil haulers (up to 300 miles)
  • Specialized transportation
  • Livestock haulers
  • Pickups with a fifth wheel (rated as tractor/trailers)
  • Truckers – Local, Intermediate and Long Haul - Acceptable commodities include but not limited to: building materials, containers, dry goods, livestock, machinery parts and equipment, produce, refrigerated goods and gas/fuel/oil
  • Note: Dump trucks and end & side dump trailers including: dirt, sand, gravel, rock, coal and other aggregates are limited To $2,000,000 maximum limit and special minimums apply.

Targeted Garage Classes

  • Non franchised auto/truck dealers
  • Auto/truck repair
  • Car washes
  • Detail shops
  • Service stations

Excess General Liability for Artisan and General Contractors

Artisan/Service Contractors:
Non CD States: We can consider contractors engaged in building, construction, and maintenance and service trades. Excluding risks with exposures in AZ, CA, CO, NV or SC
We will not consider contractors doing "NEW" residential construction of townhomes, condominiums, or tracts of single family homes in a large piece or parcel of land which has been subdivided into 25 or more lots, tractors, parcels or other divisions of land for freestanding one, two, three or four family dwellings.
CD States: In the states of AZ, CA, CO, NV small artisan contractors performing "commercial" building construction, maintenance and service trades are acceptable. No residential. Contractors in the state of SC are not written.

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Garage

Submissions accepted from agents contracted with this department in the Omaha office.

  • Auto repair shops
  • Used car dealers
  • Auto auction

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Special Programs

Submissions accepted from agents contracted with this department in the Omaha office.

  • Artisan contractors
  • California restaurant program
  • Coin operated laundry - dry cleaning
  • Coin operated laundry - self service
  • Contractors
  • Crop hail program
  • Dwelling fire
  • Farm auto
  • Farm and town program
  • Farm and town premise
  • Homeowners
  • Institutional and professional
  • Kellogg special risks
  • Manufacturers
  • Mercantile risks
  • Mobile homeowners
  • Mobilehome
  • Nebraska farmers mutual direct business
  • Non standard private passenger
  • Office
  • Pillar Florida condo program
  • Public entity
  • Residential/habitational Risks
  • Restaurant/casino
  • Service risks

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