Click on a state to learn more about our expertise in each region.
Arizona
The beautiful desert state attracts investors from all over the world. Our experience in Arizona lies in multifamily housing, rental housing portfolios and construction. We leverage both standard and non-standard insurance carriers to bring our AZ clients an array of insurance placement options.
California
The Golden state is rich with unique beauty. From the redwood forests, to Napa Valley to the rocky coasts-we love any reason to visit our clients in California! However, the easy living lifestyle isn’t matched in ease of doing business. CA is the most regulated state in the country! We are adept at navigating the regulations and increasing costs of insurance in CA. We use international market placement strategies to bring ultra-competitive solutions to our clients here.
Colorado
It is not only hurricanes that are considered a catastrophic loss exposure. Exposure to wildfires is also within the insurance industry’s catastrophic classification. In recent years, Colorado home and business owners have seen significant changes in policy wording and exclusions designed to diminish insurance carrier’s exposure to catastrophic losses from wildfire. IIC Carolinas knows EXACTLY what to watch out for and can educate you on alternative placement options for enhanced wildfire protection.
Georgia
Exposed to hurricane tracks from the Gulf and the Atlantic, Georgia is defined as a “catastrophic wind state” in the insurance industry. Using unparalleled national wind placement expertise, IIC Carolinas offers commercial property owners in Georgia access to the best coverage and rates available worldwide.
Illinois
With a name like ‘The Windy State’, you might expect insurance placement to be tough here. Actually, although we do see wind and hail deductibles in Illinois, ‘mine subsidence” is a key concern. We know how to meet lender requirements for mine subsidence and all other important coverage components in Illinois. IIC partners with both standard and non-standard carriers to offer abundant insurance solutions.
Indiana
As a Midwestern state, Indiana has seen dramatic increases in property losses due to severe storms. This has negatively impacted coverage availability, deductible postures, and premiums. IIC knows the markets who are most aggressive in the Midwest and has strategies to improve wind and storm coverage.
Kentucky
Horses and rolling hills abound in the blue-grass state, and so do insurance challenges. Kentucky has seen significant increases in severe storm activity and has both inner-city metropolitan and extra-rural areas. These present placement challenges, including crime scores and wind coverage. IIC has the expertise and experience to guarantee the best possible insurance results.
Louisiana
The beautiful southern state of Louisiana has miles of coastline and low-lying areas. Louisiana is a “catastrophic state” to the insurance industry. Our expertise in both coastal property placement and rural property placement is well aligned with the insurance needs of our clients in Louisiana.
Maryland
Delectable crab cakes and metropolitan housing needs. Much of our experience in Maryland centers around affordable housing, tax credit projects and other multifamily exposures. With high-end real estate in close proximity to high crime areas, we work diligently to help insurance carriers understand the specific characteristics of YOUR asset, mitigating the potential injustices of “zone rating”.
Massachusetts
Massachusetts alone makes up for about 2.09% of the U.S. population, making it the most populous of the New England states and the fastest growing. This also makes it a great market for multifamily and real estate investment. The Bay State has coastal exposure, but its northern proximity lessens hurricane concerns. IIC Carolinas utilizes national carriers to place ultra-competitive programs for our clients in Massachusetts.
Mississippi
Southern Hospitality on the Gulf Coast. With the Gulf of Mexico routinely attracting hurricanes and significant storm activity state-wide, Mississippi property owners find it tough to place wind coverage. IIC has proven strategies to mitigate wind deductibles and secure the best possible insurance rates available nation-wide.
New Jersey
As one of the most populous states in the country, New Jersey boasts a large concentration of multifamily housing. Our expertise in New Jersey centers around affordable housing, tax credit projects and other multifamily exposures. The apartment insurance industry has trended towards using crime scores to determine eligibility for insurance. Assets in proximity of the inner city often show area crime scores that are comparatively high. IIC knows exactly how to address this. Our proven placement strategies guarantee the best insurance programs available!
New Mexico
The border state is unique in the insurance market. Comparatively few standard insurance carriers write coverage in New Mexico. The state developed the FAIR plan for commercial property owners struggling to obtain competitive insurance. IIC can work with the FAIR plan AND we can access property programs that are often more competitive.
Pennsylvania
Pennsylvania is state with access to above average competition from insurance carriers. Most standard carriers are licensed to do business in PA and are aggressively writing coverage here. IIC Carolinas takes advantage of competition to gain the best possible results for our clients in the Keystone State.
South Carolina
Our neighbor state is quite different from NC when it comes to insurance placement. From construction defect and regulation concerns, to the South Carolina Wind Pool and state-specific insurance guidelines, IIC Carolinas is adept at navigating this unique insurance landscape.
Tennessee
The Volunteer State has a comparatively wide selection of insurance carriers to choose from. Many standard carriers do busines sin Tennessee as it is not considered a catastrophic exposure state. IIC Carolinas strategically partners with carriers who offer aggressive rates in TN.
Texas
The great state of Texas has seen a significant shift in weather activity. Statewide exposure for catastrophic storms, wind, hail and even winter storm events has the Texas insurance market in flux. We have been placing insurance in Texas for years and know which markets are the most aggressive. We constantly have our finger on emerging programs and carrier appetites in Texas as they change frequently.
Virginia
Virginia is for lovers, and insurance carriers too! Like North Carolina, many carriers vie for placement opportunities in Virginia. Also like North Carolina, Virginia has areas with costal exposure, rural exposures and metropolitan exposures. We bring expertise in all these areas to offer ultra-competitive placement options in the beautiful state of Virginia.
Missouri
The great state of Missouri has seen significant increases in PROPERTY LOSS from severe thunderstorms, hailstorms, and tornados. This has caused increasing wind and hail deductibles and decreasing carrier appetites for property coverage. Insurance experience and expertise are paramount. IIC has access to the best rates and coverage available nationwide.
Florida
Ahhh Florida, everyone’s favorite vacation state! But while many insurance underwriters love to vacation here, few standard carriers offer coverage in the sunny state. IIC Carolinas understands the Florida insurance market better than most. We leverage non-standard markets for property and wind coverage and have proven strategies to secure the best pricing available world-wide. We love placing commercial property, storage, multifamily, hospitality and mixed-use exposures in Florida!
North Carolina
Our home state of North Carolina is actually one of the most competitive insurance markets in the country. We bring our clients unparalleled wind-placement expertise and carriers with the most aggressive rates on all lines of coverage, state-wide!
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Arizona
The beautiful desert state attracts investors from all over the world. Our experience in Arizona lies in multifamily housing, rental housing portfolios and construction. We leverage both standard and non-standard insurance carriers to bring our AZ clients an array of insurance placement options. -
California
The Golden state is rich with unique beauty. From the redwood forests, to Napa Valley to the rocky coasts-we love any reason to visit our clients in California! However, the easy living lifestyle isn’t matched in ease of doing business. CA is the most regulated state in the country! We are adept at navigating the regulations and increasing costs of insurance in CA. We use international market placement strategies to bring ultra-competitive solutions to our clients here. -
Colorado
It is not only hurricanes that are considered a catastrophic loss exposure. Exposure to wildfires is also within the insurance industry’s catastrophic classification. In recent years, Colorado home and business owners have seen significant changes in policy wording and exclusions designed to diminish insurance carrier’s exposure to catastrophic losses from wildfire. IIC Carolinas knows EXACTLY what to watch out for and can educate you on alternative placement options for enhanced wildfire protection. -
Georgia
Exposed to hurricane tracks from the Gulf and the Atlantic, Georgia is defined as a “catastrophic wind state” in the insurance industry. Using unparalleled national wind placement expertise, IIC Carolinas offers commercial property owners in Georgia access to the best coverage and rates available worldwide.
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Illinois
With a name like ‘The Windy State’, you might expect insurance placement to be tough here. Actually, although we do see wind and hail deductibles in Illinois, ‘mine subsidence” is a key concern. We know how to meet lender requirements for mine subsidence and all other important coverage components in Illinois. IIC partners with both standard and non-standard carriers to offer abundant insurance solutions.
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Indiana
As a Midwestern state, Indiana has seen dramatic increases in property losses due to severe storms. This has negatively impacted coverage availability, deductible postures, and premiums. IIC knows the markets who are most aggressive in the Midwest and has strategies to improve wind and storm coverage.
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Kentucky
Horses and rolling hills abound in the blue-grass state, and so do insurance challenges. Kentucky has seen significant increases in severe storm activity and has both inner-city metropolitan and extra-rural areas. These present placement challenges, including crime scores and wind coverage. IIC has the expertise and experience to guarantee the best possible insurance results. -
Louisiana
The beautiful southern state of Louisiana has miles of coastline and low-lying areas. Louisiana is a “catastrophic state” to the insurance industry. Our expertise in both coastal property placement and rural property placement is well aligned with the insurance needs of our clients in Louisiana. -
Maryland
Delectable crab cakes and metropolitan housing needs. Much of our experience in Maryland centers around affordable housing, tax credit projects and other multifamily exposures. With high-end real estate in close proximity to high crime areas, we work diligently to help insurance carriers understand the specific characteristics of YOUR asset, mitigating the potential injustices of “zone rating”. -
Massachusetts
Massachusetts alone makes up for about 2.09% of the U.S. population, making it the most populous of the New England states and the fastest growing. This also makes it a great market for multifamily and real estate investment. The Bay State has coastal exposure, but its northern proximity lessens hurricane concerns. IIC Carolinas utilizes national carriers to place ultra-competitive programs for our clients in Massachusetts.
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Mississippi
Southern Hospitality on the Gulf Coast. With the Gulf of Mexico routinely attracting hurricanes and significant storm activity state-wide, Mississippi property owners find it tough to place wind coverage. IIC has proven strategies to mitigate wind deductibles and secure the best possible insurance rates available nation-wide. -
New Jersey
As one of the most populous states in the country, New Jersey boasts a large concentration of multifamily housing. Our expertise in New Jersey centers around affordable housing, tax credit projects and other multifamily exposures. The apartment insurance industry has trended towards using crime scores to determine eligibility for insurance. Assets in proximity of the inner city often show area crime scores that are comparatively high. IIC knows exactly how to address this. Our proven placement strategies guarantee the best insurance programs available! -
New Mexico
The border state is unique in the insurance market. Comparatively few standard insurance carriers write coverage in New Mexico. The state developed the FAIR plan for commercial property owners struggling to obtain competitive insurance. IIC can work with the FAIR plan AND we can access property programs that are often more competitive. -
Pennsylvania
Pennsylvania is state with access to above average competition from insurance carriers. Most standard carriers are licensed to do business in PA and are aggressively writing coverage here. IIC Carolinas takes advantage of competition to gain the best possible results for our clients in the Keystone State. -
South Carolina
Our neighbor state is quite different from NC when it comes to insurance placement. From construction defect and regulation concerns, to the South Carolina Wind Pool and state-specific insurance guidelines, IIC Carolinas is adept at navigating this unique insurance landscape. -
Tennessee
The Volunteer State has a comparatively wide selection of insurance carriers to choose from. Many standard carriers do busines sin Tennessee as it is not considered a catastrophic exposure state. IIC Carolinas strategically partners with carriers who offer aggressive rates in TN. -
Texas
The great state of Texas has seen a significant shift in weather activity. Statewide exposure for catastrophic storms, wind, hail and even winter storm events has the Texas insurance market in flux. We have been placing insurance in Texas for years and know which markets are the most aggressive. We constantly have our finger on emerging programs and carrier appetites in Texas as they change frequently. -
Virginia
Virginia is for lovers, and insurance carriers too! Like North Carolina, many carriers vie for placement opportunities in Virginia. Also like North Carolina, Virginia has areas with costal exposure, rural exposures and metropolitan exposures. We bring expertise in all these areas to offer ultra-competitive placement options in the beautiful state of Virginia. -
Missouri
The great state of Missouri has seen significant increases in PROPERTY LOSS from severe thunderstorms, hailstorms, and tornados. This has caused increasing wind and hail deductibles and decreasing carrier appetites for property coverage. Insurance experience and expertise are paramount. IIC has access to the best rates and coverage available nationwide. -
Florida
Ahhh Florida, everyone’s favorite vacation state! But while many insurance underwriters love to vacation here, few standard carriers offer coverage in the sunny state. IIC Carolinas understands the Florida insurance market better than most. We leverage non-standard markets for property and wind coverage and have proven strategies to secure the best pricing available world-wide. We love placing commercial property, storage, multifamily, hospitality and mixed-use exposures in Florida! -
North Carolina
Our home state of North Carolina is actually one of the most competitive insurance markets in the country. We bring our clients unparalleled wind-placement expertise and carriers with the most aggressive rates on all lines of coverage, state-wide! -
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Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.
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