IIAT Advantage

IIAT-endorsed insurance programs are for members only. For full details, log in to the members-only site. If you aren't a member, get details on the benefits of joining IIAT.

Access to personal lines products for smaller agencies

During the last 15 years, this success story program has helped more than 200 of our member agencies, some of which had lost all standard markets, regain or grow their personal lines business through our innovative joint venture with top carriers. Several of these agencies have grown sufficiently to meet the program's profitability and other requirements and were "graduated" from our program to a direct full appointment with the carrier. To meet member needs, IIAT has partnered with:

Travelers Property Casualty
The Republic Group
The Hartford

How the program works:

• IIAT has joined forces with Travelers Property Casualty, The Republic Group and The Hartford to help established small, and primarily suburban and rural, IIAT member agencies unable to meet one or more company direct appointment requirements for standard personal lines products due to volume requirements or agency location
• IIAT identifies prospective agencies, screens for acceptable loss ratio, location and financial information for the companies and seeks an appointment with the appropriate company
• IIAT staff provide training, help the agency staff learn company business processing procedures, review agency progress and provide ongoing support and communication

Products offered:

• Personal auto
• Homeowners
• Dwelling fire
• Boat coverages
• Inland marine
• Umbrellas
• Flood

Program features:

• Low minimum volume requirements
• All policies written on direct bill basis
• Competitive commissions on new and renewal business
• Competitive pricing and coverages

Appointment criteria:

• Open to IIAT members only
• Acceptable 3-year loss ratios (auto: less than 59%; homeowners: less than 56%)
• Agency location must meet the company's marketing plan
• Company approval required for appointment
• Agency must demonstrate favorable financial condition
• Agency must maintain an E&O policy with at least $1,000,000 limits