Welcome to IAT Specialty
IAT Specialty offers Excess and Surplus Lines coverage for the general agency marketplace. Operations are conducted from offices in Omaha, Nebraska and Scottsdale, Arizona.
We provide insurance for commercial risks involving general liability, liquor liability, excess/umbrella, property, and garage liability, in addition to a number of secondary coverages such as crime and inland marine. Most coverages offered are considered part of the Surplus Lines market and include more difficult risks that the standard lines markets will not offer. Our products include Binding, Brokerage, Garage, Excess/Umbrella .
IAT Specialty conducts business in all states through contracted general/wholesale agencies.
IAT Specialty is part of the IAT Insurance Group and issues policies through a variety of companies within the group.
All companies within the IAT Insurance Group are rated A- by A.M. Best and include:
Acceptance Casualty Insurance Company, A- IX
Acceptance Indemnity Insurance Company, A- IX
Commercial Alliance Insurance Company, A- VI
Harco National Insurance Company, A- VIII
IAT Reinsurance Company Ltd., A- XI
Occidental Fire & Casualty Company of North Carolina, A- IX
Service Insurance Company, A- VI
TransGuard Insurance Company of America, A- VIII
Wilshire Insurance Company, A- IX
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Property Notices:
Note – The below rules are not hard coded into Unity. You will need to review and follow the below guidelines accordingly.
All States:
Zinsco Panel, Federal Pacific, Stab-Lok, or Square D Panels or any other panels that have been recalled for fire hazards are strictly prohibited for all risks.
New Business Mono-Line Auto Repair Occupancy is prohibited.
Florida
Tri-County: 1990 or later construction required for Wind Coverage. J/M, MNC, FR, and MFR only.All Other Counties: New Business with wind must be built in 1980 or later. Frame construction is acceptable in Tier 2.Tier 1: No new mono-line property coverage with wind. If Property is packaged with GL, you may offer wind coverage.
Texas
Harris County – New Business - Frame or NC Steel Construction must be built 1980 or later for wind coverage, all other types 1950 or newer.Jefferson County – New Business Frame or NC Steel Construction must be built 2000 or later for wind coverage, all other types 1950 or later.Tier 1 and Tier 2: No new mono-line property coverage with wind. If Property is packaged with GL, you may offer wind coverage.
Louisiana
Tier 1 and Tier 2 - No new business with wind for buildings built in 1950 or later.Tier 1 and Tier 2 - No new mono-line business with wind. If Property is packaged with GL, you may offer wind coverage.
California
Habitational Guidelines
Crime Score: 60 or belowPrior to Binding, must confirm electrical has been updated and no Zinsco Panel, Federal Pacific, Stab-Lok, or Square D Panels or any other panels that have been recalled.No prior Habitability claims
If new venture, must have at least 5 years of prior property management experience.
Wildfire
Score of 42 or Below: AcceptableScore of 43-55: Max TIV is $2 million. Requires referral.Score of 56+: Prohibited
Daily Wildfire Impacted ZIP Code Reporting
To assist our agents with delegated underwriting authority in managing IAT’s wildfire exposure, the Product and Regulatory Compliance group will resume daily distribution of the Wildfire Impacted ZIP Code Report on Monday, May 5, 2025. This report is a snapshot of wildfire activity in the United States and is organized by ZIP code, state and fire incident name. The report will be posted to the Specialty Portal each day.
New ZIP codes that are added to the report each day will be highlighted. ZIP codes that are removed from the report each day will be shown on a separate tab. We believe these enhancements make the report easier to use.
Remember, a binding restriction applies on all new business in any impacted ZIP codes shown in the Wildfire Impacted ZIP Code Report.
The restriction also applies to any change endorsements to property exposures, deductibles, or terms for currently written accounts.
Renewal business that has already been quoted in an impacted ZIP code may be bound – provided no changes are made to the previously quoted property coverages.
Binding restrictions are lifted for those ZIP codes shown in the “removed” tab of the report.
Remember, it is the underwriter’s responsibility to review the Wildfire Impacted ZIP Code Report each day to verify that business being quoted is not in an area threatened by wildfire.
The Wildfire Impacted ZIP Code Report will be distributed each weekday during fire season which normally lasts from early May through early November. The previous day’s report remains in effect until replaced.
Wildfire is a difficult peril to underwrite. The continued use of the daily wildfire impacted ZIP code report can help improve our risk selection and awareness, leading to improved results.
Please contact your IAT Underwriter if you have any questions about the wildfire report.
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