Frequently Asked Questions

Who is ICAT?

ICAT is a catastrophe insurance provider that operates in many states throughout the U.S. We provide earthquake insurance in the Western and Midwestern states, hurricane insurance along the Gulf and Atlantic Coasts, and both services to customers in Hawaii. Learn more on our About ICAT page.

Stability and the capacity to cover claims are critical in catastrophe insurance. We are proud to say that we represent insurers which are A rated by A.M. Best Company.

All homeowner earthquake policies issued by ICAT are reinsured by ICAT Syndicate 4242, a syndicate at Lloyd’s of London which is rated A (Excellent) (VIII) by A.M. Best Company. All Syndicates at Lloyd’s are regulated by Lloyd’s and are backed by the Central Fund at Lloyd’s.

Yes. ICAT has been in business since 1998, and has primarily focused on providing earthquake and hurricane coverage for businesses in the areas most likely to be affected by these natural disasters.

In the event of a loss, claims are managed by our sister company, Boulder Claims. Because Boulder Claims is devoted to claim administration, we are able to pay claims quickly and accurately—a key advantage after a natural disaster strikes. Click here to report a claim.

Each family has to decide that for themselves. For more information to help in making the right decision, visit our Why Buy Earthquake Insurance? page.

ICAT Earthquake Homeowner insurance can include coverage for the primary dwelling, personal property and living expenses if the home cannot be used. Visit our Coverage and Enhancements page for details.

If you are a homeowner interested in earthquake coverage, please contact us.

We welcome new ICAT brokers. Please fill out our online application to get started.

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