---
title: "IAT Insurance Group Review [Updated 2026]"
description: "IAT Insurance Group is a privately held specialty property and casualty insurer with an A- (Excellent) AM Best rating, serving commercial and personal insurance markets through independent agents nationwide."
canonical: "https://www.coveragecat.com/reviews/iat-insurance-group-review"
last-updated: "2026-08-13"
---

# IAT Insurance Group Review [Updated 2026]

IAT Insurance Group operates as a specialty property and casualty insurance carrier with roots that extend back to 1960, though the company took its modern form in 1991 under current ownership [(IAT Insurance Group, "About IAT Insurance Group", 2024)](https://www.iatinsurancegroup.com/about-us/). The privately held insurer serves customers through eight business units and maintains more than 30 offices across the United States [(IAT Insurance Group, "Meet the Leadership Team", 2025)](https://www.iatinsurancegroup.com/about-us/leadership/). With approximately 900 employees and a corporate philosophy built around "Insurance Answers Together®," IAT positions itself as a relationship-driven alternative to larger standard market carriers [(Ibid., "About IAT Insurance Group", 2024)](https://www.iatinsurancegroup.com/about-us/).

The company markets its products through a select network of retail and wholesale agents rather than direct consumer sales [Ibid.](https://www.iatinsurancegroup.com/about-us/). This distribution model reflects IAT's specialty market focus, where independent agents match unique risks with tailored coverage solutions. The insurer's recent financial ratings show strength and stability, with AM Best revising its outlook to positive in February 2025 while maintaining the A- (Excellent) Financial Strength Rating [(Business Wire, "AM Best Revises Outlooks to Positive", 2025)](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company).

## <a id="products"></a>What kinds of insurance does IAT Insurance Group offer?

IAT Insurance Group divides its operations into eight distinct business units, each targeting specific market segments. The company's commercial lines include Commercial Transportation, Excess & Surplus, Programs, Inland Marine, Reinsurance, Surety, and Management Liability [(IAT Insurance Group, "Meet the Leadership Team", 2025)](https://www.iatinsurancegroup.com/about-us/leadership/). On the personal insurance side, IAT offers [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) through specialized programs.

The Commercial Transportation division serves one of IAT's core markets, providing coverage for motor carriers and owner-operators [(IAT Insurance Group, "Business Insurance Solutions", 2026)](https://www.iatinsurancegroup.com/business-insurance/). According to distributor Amwins, IAT ranks as one of the largest insurers for the transportation industry [(Amwins, "IAT Insurance Group", 2026)](https://www.amwins.com/opco/amwins-national-transportation-underwriters/transportation-carriers/iat-insurance-group). Motor truck cargo coverage extends to fleets from 1 to 250 power units, with non-fleet coverage available in most states [Ibid.](https://www.amwins.com/opco/amwins-national-transportation-underwriters/transportation-carriers/iat-insurance-group).

The Excess & Surplus unit handles risks that standard markets decline or cannot adequately price [(IAT Insurance Group, "Excess & Surplus Insurance", 2024)](https://www.iatinsurancegroup.com/business-insurance/excess-liability-surplus/). This division provides General Liability with limits up to $2M per occurrence and $2M aggregate, Liquor Liability for hospitality businesses, and Property coverage typically up to $10M per location and $15M per policy [Ibid.](https://www.iatinsurancegroup.com/business-insurance/excess-liability-surplus/). [Umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) limits range from $1M to $10M and are available in all 50 states [Ibid.](https://www.iatinsurancegroup.com/business-insurance/excess-liability-surplus/).

IAT Specialty, the company's programs division, operates from Omaha, Nebraska and Scottsdale, Arizona [(IAT Specialty, "Specialty Guidelines", 2026)](https://www.iatspecialty.com/iatspecialtyguides/). This unit offers Binding, Brokerage, Garage, and Excess/Umbrella products through contracted general and wholesale agencies in all states [Ibid.](https://www.iatspecialty.com/iatspecialtyguides/). Coverage types include general liability, liquor liability, property, garage liability, crime, and inland marine [Ibid.](https://www.iatspecialty.com/iatspecialtyguides/).

| Business Unit | Primary Products | Target Market |
|--------------|------------------|---------------|
| Commercial Transportation | Auto liability, cargo, physical damage | Motor carriers, owner-operators |
| Excess & Surplus | General liability, property, liquor liability | Hard-to-place risks |
| Surety | Contract and commercial bonds | Contractors, businesses |
| Management Liability | EPL, D&O, fiduciary liability | Private and public companies |
| Reinsurance | Catastrophe excess, quota share | Regional and specialty carriers |
| Homeowners | Property and liability | Personal lines through programs |

## <a id="homeowners"></a>Does IAT Insurance Group sell homeowners insurance?

IAT Insurance Group does provide [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance), though it markets this coverage through specialized programs rather than as a direct-to-consumer product. The company's Homeowners division operates as one of its eight business units [(IAT Insurance Group, "Meet the Leadership Team", 2025)](https://www.iatinsurancegroup.com/about-us/leadership/). Agents and brokers access these products through IAT's distribution network, which reflects the company's wholesale and program business model.

Specific details about homeowners coverage limits, endorsements, and state availability remain limited in public sources. The company maintains information pages for its homeowners products but does not publish comprehensive consumer-facing details about policy terms, deductibles, or pricing structures. This approach aligns with IAT's focus on agent distribution rather than direct consumer marketing.

IAT's revenue for the most recent reported period reached $901 million, with the residential property insurance portfolio representing one component of that broader book [(ZoomInfo, "IAT Insurance Group - Overview", 2026)](https://www.zoominfo.com/c/the-iat-insurance-group-companies/202113396). The company competes in this space with carriers like RLI, Hastings Mutual Insurance Company, and C & F [Ibid.](https://www.zoominfo.com/c/the-iat-insurance-group-companies/202113396).

## <a id="how-it-works"></a>How does IAT Insurance Group work?

IAT Insurance Group operates through a wholesale and retail agent distribution model rather than direct consumer sales. Customers cannot purchase policies directly from the company's website. Instead, consumers work with independent insurance agents who have appointments with IAT or its operating subsidiaries [(IAT Insurance Group, "About IAT Insurance Group", 2024)](https://www.iatinsurancegroup.com/about-us/).

The process starts when a consumer contacts an independent agent with an insurance need. The agent evaluates the risk and determines which markets to approach for quotes. For specialty risks that standard carriers decline or price prohibitively, the agent may submit the application to IAT through wholesale channels. IAT's underwriters review the submission and determine whether to offer coverage and at what terms.

Once approved, the policy is issued through the agent, who serves as the main point of contact for service questions, endorsements, and renewals. Premium payments typically flow through the agent to IAT, following standard agency bill or direct bill arrangements depending on the specific program and state requirements.

For claims, policyholders have multiple options. IAT commits to process first notice of loss immediately with confirmation [(IAT Insurance Group, "File a Claim", 2025)](https://www.iatinsurancegroup.com/claims-center/). A claims representative contacts the policyholder within one business day [Ibid.](https://www.iatinsurancegroup.com/claims-center/). The company assigns dedicated claims teams across all lines of business to handle the adjustment process [Ibid.](https://www.iatinsurancegroup.com/claims-center/).

IAT has invested in claims technology to improve efficiency. In 2024, the company selected CLARA Analytics' Claims DocIntel Pro AI platform for auto and general liability claims [(CLARA Analytics, "IAT Insurance Group Selects CLARA Analytics", 2024)](https://claraanalytics.com/news/iat-selects-clara-analytics-for-claims-document-intelligence-gen-ai/). This platform reviews legal demands and medical records to help streamline processes, reduce costs, and eliminate errors in the highest-cost claim categories [Ibid.](https://claraanalytics.com/news/iat-selects-clara-analytics-for-claims-document-intelligence-gen-ai/).

## <a id="pricing"></a>What affects IAT Insurance Group rates?

IAT Insurance Group does not publish consumer-facing rate information because the company operates through wholesale distribution channels. Pricing varies by business unit, coverage type, risk characteristics, and state regulatory requirements. Standard rating factors for property insurance include location, construction type, age of structure, claims history, and coverage limits. For liability coverages, factors typically include business operations, revenue, number of employees, claims history, and policy limits.

The company's Excess & Surplus division handles risks that standard markets decline, which often means higher premiums reflect the increased risk profile [(IAT Insurance Group, "Excess & Surplus Insurance", 2024)](https://www.iatinsurancegroup.com/business-insurance/excess-liability-surplus/). E&S pricing operates outside standard rate filings, allowing underwriters more flexibility to price unique or difficult risks.

For transportation risks, IAT considers fleet size, vehicle types, radius of operation, cargo types, driver qualifications, and safety programs when determining rates. The company's motor truck cargo coverage extends to fleets from 1 to 250 power units [(Amwins, "IAT Insurance Group", 2026)](https://www.amwins.com/opco/amwins-national-transportation-underwriters/transportation-carriers/iat-insurance-group). Premium structures for these accounts often include adjustable features that factor in actual exposure units like mileage or revenue.

Payment options depend on the specific program and distribution arrangement. Most policies follow standard insurance payment patterns with options for annual, semi-annual, quarterly, or monthly payments. The specific terms and any associated payment fees or financing charges vary by policy and state.

## <a id="pros-cons"></a>Pros and Cons

<div class="grid">
<div class="column">
<h3>Pros</h3>
<ul>
<li>A- (Excellent) AM Best rating with positive outlook as of February 2025 <a href="https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company">(Business Wire, "AM Best Revises Outlooks to Positive", 2025)</a></li>
<li>Very strong balance sheet with highest level of risk-adjusted capitalization according to AM Best <a href="https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company">(Ibid., "AM Best Revises Outlooks to Positive", 2025)</a></li>
<li>Profitable operating results despite economic challenges and catastrophe events <a href="https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company">(Ibid., "AM Best Revises Outlooks to Positive", 2025)</a></li>
<li>Enhanced reserve profile with improved development and less volatility <a href="https://www.reinsurancene.ws/am-best-revises-outlook-to-positive-for-iat-re-and-most-operating-subsidiaries/">(Reinsurance News, "AM Best revises outlook to positive", 2025)</a></li>
<li>Specialized expertise across eight distinct business units <a href="https://www.iatinsurancegroup.com/about-us/leadership/">(IAT Insurance Group, "Meet the Leadership Team", 2025)</a></li>
<li>Investment in AI technology for claims processing efficiency <a href="https://claraanalytics.com/news/iat-selects-clara-analytics-for-claims-document-intelligence-gen-ai/">(CLARA Analytics, "IAT Insurance Group Selects CLARA Analytics", 2024)</a></li>
<li>One-business-day claims response commitment <a href="https://www.iatinsurancegroup.com/claims-center/">(IAT Insurance Group, "File a Claim", 2025)</a></li>
<li>92% employee satisfaction versus 57% industry average <a href="https://www.greatplacetowork.com/certified-company/7008416">(Great Place To Work, "Working at IAT Insurance Group", 2026)</a></li>
</ul>
</div>
<div class="column">
<h3>Cons</h3>
<ul>
<li>No direct-to-consumer purchase option, requires agent intermediary <a href="https://www.iatinsurancegroup.com/about-us/">(IAT Insurance Group, "About IAT Insurance Group", 2024)</a></li>
<li>Limited public information about specific homeowners policy details and pricing</li>
<li>Not BBB accredited <a href="https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076">(Better Business Bureau, "IAT Insurance Group, Inc.", 2026)</a></li>
<li>Mixed customer reviews with some complaints about delayed claim responses <a href="https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076/customer-reviews">(Ibid., "IAT Insurance Group, Inc.", 2026)</a></li>
<li>Specialty and E&S focus may result in higher premiums than standard market for some risks</li>
<li>Active litigation filed in 2026 <a href="https://dockets.justia.com/docket/north-carolina/ncedce/5:2026cv00132/225542">(Justia, "Papa v. IAT Insurance Group", 2026)</a></li>
<li>No Trustpilot presence or consumer review platform visibility</li>
</ul>
</div>
</div>

## <a id="ratings"></a>Ratings and Customer Feedback

IAT Insurance Group maintains several professional ratings and certifications, though direct consumer review visibility remains limited compared to direct-to-consumer carriers. The table below summarizes available ratings from various sources:

| Rating Source | Score/Rating | Details |
|--------------|--------------|---------|
| AM Best | A- (Excellent) | Financial Strength Rating, outlook revised to positive February 2025 [(Business Wire, "AM Best Revises Outlooks to Positive", 2025)](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company) |
| AM Best Long-Term ICR | a- (Excellent) | Long-Term Issuer Credit Rating [Ibid.](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company) |
| Great Place To Work | 92% employee satisfaction | Certified since 2018, compared to 57% typical U.S. company [(Great Place To Work, "Working at IAT Insurance Group", 2026)](https://www.greatplacetowork.com/certified-company/7008416) |
| Glassdoor | 4.3 out of 5 stars | Based on 288 company reviews [(Glassdoor, "IAT Insurance Group Reviews", 2026)](https://www.glassdoor.com/Reviews/IAT-Insurance-Group-Reviews-E1029143.htm) |
| BBB | Not Accredited | Company has BBB profile but is not accredited [(Better Business Bureau, "IAT Insurance Group, Inc.", 2026)](https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076) |
| Fortune | No. 15 (2024) | 2024 Best Workplaces in Financial Services & Insurance [(IAT Insurance Group, "Subscribe for IAT News & Updates", 2026)](https://www.iatinsurancegroup.com/about-us/news/) |

AM Best's February 2025 rating action provides significant insight into IAT's financial position. The rating agency assessed the company's balance sheet strength as "very strong" with the strongest level of risk-adjusted capitalization [(Business Wire, "AM Best Revises Outlooks to Positive", 2025)](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company). Operating performance has produced profitable results despite economic challenges and historic catastrophe events [Ibid.](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company). The enhanced reserve profile has led to improved development and less volatility around the Best's Capital Adequacy Ratio [(Reinsurance News, "AM Best revises outlook to positive", 2025)](https://www.reinsurancene.ws/am-best-revises-outlook-to-positive-for-iat-re-and-most-operating-subsidiaries/).

The company's employee satisfaction metrics exceed industry averages substantially. The 92% satisfaction rate from Great Place To Work certification compares favorably to the 57% typical for U.S. companies [(Great Place To Work, "Working at IAT Insurance Group", 2026)](https://www.greatplacetowork.com/certified-company/7008416). IAT has maintained this certification since 2018 and offers benefits including a 7% 401(k) match, college loan repayment assistance, hybrid work arrangements, and paid volunteer time with a 4-to-1 donation match through its IAT Gives program [Ibid.](https://www.greatplacetowork.com/certified-company/7008416).

Consumer review platforms show limited activity for IAT Insurance Group. The company does not maintain a Trustpilot profile, and its BBB page shows it is not accredited [(Better Business Bureau, "IAT Insurance Group, Inc.", 2026)](https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076). Some customer reviews on BBB note difficulties with claim completion and delayed responses [(Better Business Bureau, "IAT Insurance Group, Inc.", 2026)](https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076/customer-reviews). The company does respond to BBB complaints by requesting additional information to resolve issues [Ibid.](https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076/customer-reviews).

## <a id="customer-reviews"></a>Real Customer Reviews

Direct consumer reviews of IAT Insurance Group appear limited in public forums, which reflects the company's wholesale distribution model rather than direct consumer sales. The available feedback comes primarily from BBB submissions and employee reviews on career sites. Note that many reviews relate to employment experiences rather than policyholder experiences due to the company's B2B focus.

<div class="grid customer-review">
<div class="column">
<p>5 ★</p>
<p><b>Employee Review, September 2025</b></p>
<p><a href="https://www.glassdoor.com/Reviews/IAT-Insurance-Group-Reviews-E1029143.htm"><span class="text-muted">via Glassdoor</span></a></p>
</div>
<div class="column">
<p>Most employees report positive experiences, contributing to the 4.3 out of 5 star rating based on 288 company reviews.</p>
</div>
</div>

<div class="grid customer-review">
<div class="column">
<p>3 ★</p>
<p><b>BBB Complaint, 2026</b></p>
<p><a href="https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076/customer-reviews"><span class="text-muted">via Better Business Bureau</span></a></p>
</div>
<div class="column">
<p>Some reviewers report difficulties completing insurance claims and delayed responses from the company.</p>
</div>
</div>

<div class="grid customer-review">
<div class="column">
<p>5 ★</p>
<p><b>Workplace Review, 2026</b></p>
<p><a href="https://www.greatplacetowork.com/certified-company/7008416"><span class="text-muted">via Great Place To Work</span></a></p>
</div>
<div class="column">
<p>92% of employees say IAT Insurance Group is a great place to work, substantially higher than the 57% average at typical U.S. companies.</p>
</div>
</div>

<div class="grid customer-review">
<div class="column">
<p>5 ★</p>
<p><b>BBB Response, 2026</b></p>
<p><a href="https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076/customer-reviews"><span class="text-muted">via Better Business Bureau</span></a></p>
</div>
<div class="column">
<p>The company responds to BBB complaints by requesting additional information to help resolve customer issues.</p>
</div>
</div>

The limited consumer review presence reflects IAT's business model, which targets wholesale and specialty markets through agent intermediaries. Policyholders typically interact with their independent agents for service rather than directly with IAT, which may explain the scarcity of direct consumer feedback on traditional review platforms.

## <a id="claims-contact"></a>Get customer support or file a claim

IAT Insurance Group provides multiple channels for customer support and claims filing. The company commits to immediate first notice of loss processing with confirmation [(IAT Insurance Group, "File a Claim", 2025)](https://www.iatinsurancegroup.com/claims-center/). A claims representative contacts policyholders within one business day of receiving the notice [Ibid.](https://www.iatinsurancegroup.com/claims-center/).

**Claims Contact Information:**
- Online claims portal available at company website
- Phone support through dedicated claims teams
- Contact through independent agent who issued the policy
- Executive VP and Chief Claims Officer: Trent Haas [(CLARA Analytics, "IAT Insurance Group Selects CLARA Analytics", 2024)](https://claraanalytics.com/news/iat-selects-clara-analytics-for-claims-document-intelligence-gen-ai/)

**General Contact:**
- Headquarters: 4200 Six Forks Road, Raleigh, NC 27609 [(Insurance Journal, "IAT Insurance Group Company Card", 2025)](https://www.insurancejournal.com/directories/companycard.php?compid=7542)
- Primary contact through appointed independent agents
- Company operates 30+ offices nationwide [(IAT Insurance Group, "Meet the Leadership Team", 2025)](https://www.iatinsurancegroup.com/about-us/leadership/)

**Leadership:**
- CEO: William Cunningham [(Better Business Bureau, "IAT Insurance Group, Inc.", 2026)](https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076)
- CFO: David Pirrung [Ibid.](https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076)
- VP of Marketing: Caryn Best [Ibid.](https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076)

The company's investment in CLARA Analytics' Claims DocIntel Pro AI platform for auto and general liability claims demonstrates a focus on technology to improve claims efficiency [(CLARA Analytics, "IAT Insurance Group Selects CLARA Analytics", 2024)](https://claraanalytics.com/news/iat-selects-clara-analytics-for-claims-document-intelligence-gen-ai/). This platform reviews legal demands and medical records for the highest-cost claim categories to streamline processes and reduce errors [Ibid.](https://claraanalytics.com/news/iat-selects-clara-analytics-for-claims-document-intelligence-gen-ai/).

## <a id="faq"></a>Frequently Asked Questions

**Can I buy insurance directly from IAT Insurance Group?**

No. IAT Insurance Group markets its products exclusively through independent retail and wholesale agents [(IAT Insurance Group, "About IAT Insurance Group", 2024)](https://www.iatinsurancegroup.com/about-us/). Consumers need to work with an appointed agent to obtain quotes and purchase coverage. This distribution model reflects the company's specialty market focus where agent expertise helps match unique risks with appropriate coverage solutions.

**What is IAT Insurance Group's AM Best rating?**

IAT Insurance Group holds an A- (Excellent) Financial Strength Rating from AM Best with a positive outlook as of February 2025 [(Business Wire, "AM Best Revises Outlooks to Positive", 2025)](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company). The company also maintains a Long-Term Issuer Credit Rating of a- (Excellent) [Ibid.](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company). AM Best assessed the balance sheet strength as "very strong" with the strongest level of risk-adjusted capitalization [Ibid.](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company).

**How quickly does IAT Insurance Group respond to claims?**

IAT Insurance Group commits to process first notice of loss immediately with confirmation [(IAT Insurance Group, "File a Claim", 2025)](https://www.iatinsurancegroup.com/claims-center/). The company contacts policyholders through a dedicated claims representative within one business day [Ibid.](https://www.iatinsurancegroup.com/claims-center/). Claims service uses dedicated teams across all lines of business [Ibid.](https://www.iatinsurancegroup.com/claims-center/).

**Does IAT Insurance Group offer homeowners insurance in my state?**

IAT Insurance Group does offer [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) through its Homeowners business unit [(Ibid., "Meet the Leadership Team", 2025)](https://www.iatinsurancegroup.com/about-us/leadership/). However, the company markets this coverage through specialized programs and appointed agents rather than direct consumer sales. State availability varies by program. Contact an independent agent who works with IAT to determine if coverage is available in your state and for your specific property.

**What types of commercial insurance does IAT Insurance Group specialize in?**

IAT Insurance Group operates eight business units serving different commercial markets: Commercial Transportation for motor carriers and trucking operations, Excess & Surplus for hard-to-place risks, Surety for contract and commercial bonds, Management Liability including employment practices liability and directors and officers coverage, Programs for specialized industry segments, Inland Marine for property in transit and equipment, and Reinsurance for regional and specialty carriers [Ibid.](https://www.iatinsurancegroup.com/about-us/leadership/). The company ranks as one of the largest insurers for the transportation industry according to distributor Amwins [(Amwins, "IAT Insurance Group", 2026)](https://www.amwins.com/opco/amwins-national-transportation-underwriters/transportation-carriers/iat-insurance-group).

**Is IAT Insurance Group a good insurance company?**

IAT Insurance Group demonstrates financial strength with an A- (Excellent) AM Best rating and positive outlook [(Business Wire, "AM Best Revises Outlooks to Positive", 2025)](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company). The company maintains very strong balance sheet strength with profitable operating results [Ibid.](https://www.businesswire.com/news/home/20250206865194/en/AM-Best-Revises-Outlooks-to-Positive-for-IAT-Reinsurance-Company-Ltd.-and-Most-Operating-Subsidiaries-Affirms-Credit-Ratings-of-Allegheny-Casualty-Company). Employee satisfaction reaches 92% compared to 57% industry average [(Great Place To Work, "Working at IAT Insurance Group", 2026)](https://www.greatplacetowork.com/certified-company/7008416). However, the company is not BBB accredited and has received some customer complaints about claim delays [(Better Business Bureau, "IAT Insurance Group, Inc.", 2026)](https://www.bbb.org/us/nc/raleigh/profile/insurance-companies/iat-insurance-group-inc-0593-3002076). The company's specialty market focus means it serves different needs than standard homeowners carriers.

**How do I find an agent who sells IAT Insurance Group policies?**

IAT Insurance Group works with a select network of retail and wholesale agents [(IAT Insurance Group, "About IAT Insurance Group", 2024)](https://www.iatinsurancegroup.com/about-us/). The company does not provide a public agent locator tool on its website. To find an agent, contact IAT directly through their headquarters in Raleigh, North Carolina or search for independent insurance agents in your area who handle specialty and excess & surplus lines. Wholesale brokers like Amwins distribute IAT products for transportation risks [(Amwins, "IAT Insurance Group", 2026)](https://www.amwins.com/opco/amwins-national-transportation-underwriters/transportation-carriers/iat-insurance-group).