Its About Time

What Its About Time does

IAT Insurance Group (operating under the 'Its About Time' entity in the source firmographics, though the substantive operational data describes IAT Insurance Group) is a privately held US specialty insurance carrier organized around a multi-line portfolio spanning Personal Insurance (Aviation, Homeowners) and Business Insurance (Commercial Truck, Moving & Storage, Excess Liability & Surplus, Inland Marine, Management Liability, Surety Bonds, Reinsurance). The company serves both individuals and commercial insureds, with a particularly strong orientation toward niche commercial verticals including aviation, construction, contractors, equipment dealers, motor carriers, moving companies, municipal airports, hospitality, and not-for-profit organizations. Products are distributed primarily through an independent agent and broker network, with direct customer touchpoints for policy management and claims via the company website.

The business model is a conventional specialty insurance carrier model: revenue is generated through insurance premiums collected from policyholders across personal and commercial lines, with pricing quoted per risk profile on a monthly billing cadence. The company does not publish standard pricing tiers; premiums are customized to risk assessment, coverage requirements, and customer-specific factors. There are nine specialty commercial product lines plus two personal lines, each with multiple sub-coverages (e.g., Aviation includes Aircraft, Aviation Liability, and Aviation Facilities; Commercial Truck includes Auto Liability, Physical Damage, Occupational Accident, Occupational Compensation, Non-Occupational Accident, and Workers' Compensation). Claims support is positioned as a 24/7 in-house service. The company has a registered trademark — 'Insurance Answers Together' — that anchors its brand positioning around partnership and collaboration with agents, customers, and stakeholders.

Operationally, the firm distributes through a 'Become an Agent' partner pathway and 'Find an Agent' locator, and supports marketing through a blog, loss-control resources, a podcast ('What's Brewing'), weather resources, and LinkedIn. No parent company, funding events, M&A activity, or named institutional investors are disclosed in the source material. Revenue, premium volume, A.M. Best rating, and detailed founding history are not disclosed in the available data. Firmographics list 51–100 employees and a Mount Kisco presence, while operational scale signals — including nine specialty lines and 18+ industry verticals — indicate a mid-market specialty carrier whose actual scale cannot be precisely triangulated from the public-facing data alone.

Name

Its About Time

Legal name

IAT Insurance Group

Website

https://iat.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

51–100 employees

Short description

IAT Insurance Group is a privately held US specialty insurance carrier offering personal and commercial coverage across nine specialty lines — including aviation, commercial truck, surety, and reinsurance — distributed through independent agents to SMB and mid-market insureds in 18+ verticals.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Insurance Carriers (5241), Insurance Carriers and Related Activities (524), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Fire, Marine & Casualty Insurance (6331), Surety Insurance (6351), Insurance Carriers, Nec (6399)

akta.pro primary industry

Premises/Operations Liability Umbrella / Excess (FSAJANAL)

akta.pro secondary industries

Umbrella & Excess Liability (Fleet/Transportation) (TLABANAG), Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH), Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

Keywords

• Specialty insurance products
• Commercial truck insurance
• Aviation insurance coverage
• Management liability insurance
• Surety bond services

Headquarters

HQ city

Mount Kisco

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Premiums: IAT Insurance Group generates revenue through insurance premiums collected from policyholders across their various insurance product lines including personal insurance (homeowners, aviation) and business insurance (commercial truck, moving & storage, excess liability, inland marine, management liability, surety bonds, reinsurance).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

IAT Insurance Group underwrites and distributes specialty insurance products for both businesses and individuals, spanning personal lines (aviation, homeowners) and commercial lines (commercial truck, moving & storage, excess liability & surplus, inland marine, management liability, surety bonds, and reinsurance). The company focuses on niche and industry-specific risks that are hard to place in standard markets. Policies are priced and quoted individually based on risk profile, with billing on a monthly cadence.

Product overview

IAT Insurance Group offers a comprehensive portfolio of specialty insurance solutions organized into Personal Insurance and Business Insurance categories. Personal Insurance includes Aviation Insurance and Homeowners Insurance. Business Insurance encompasses nine specialty lines: Commercial Truck Insurance, Moving & Storage Insurance, Excess Liability & Surplus Insurance, Inland Marine Insurance, Management Liability Insurance, Surety Bonds, and Reinsurance. The company also serves specific industries including Aviation, Construction, Contractors, Equipment Dealers, General Freight, Hospitality, Machinery Manufacturing, Mercantile, Military Movers, Motor Carriers, Moving Companies, Municipal & Private Airports, Not-for-Profit Organizations, Owner-Operators, Product Manufacturing, Restaurants, and Warehouses. The guiding principle is 'Insurance Answers Together' with claims support available around the clock.

Differentiator

Problem solved

Functional benefit

Brands

• Insurance Answers Together: Company tagline and guiding principle, also a registered trademark.

Products and services

• Aviation Insurance Insurance coverage for aircraft owners and aviation facilities, including Aircraft, Aviation Liability, and Aviation Facilities coverages, designed for individual aircraft owners, pilots, and aviation operators needing specialty hull and liability protection.
• Homeowners Insurance Insurance coverage for homeowners protecting their personal residences and property against covered losses and personal liability, marketed to individual homeowner policyholders.
• Commercial Truck Insurance Specialty insurance for trucking operations including Auto Liability, Non-Occupational Accident, Occupational Accident, Occupational Compensation, Physical Damage, and Workers' Compensation coverages, designed for trucking fleets, motor carriers, and owner-operators.
• Moving & Storage Insurance Coverage for moving and storage operations including Auto Physical Damage, Cargo and Warehouse Legal Liability, Commercial Property, Crime Coverage, General Liability Coverage, and Motor Carrier Coverage, designed for moving companies, military movers, and warehouse operators.
• Excess Liability & Surplus Insurance Excess and surplus lines coverage including Excess Auto Liability, General Liability, Liquor Liability, and Property Insurance, designed for businesses requiring coverage beyond standard market limits or hard-to-place risks.
• Inland Marine Insurance Specialty inland marine coverage including the CA Fair Plan Wrap Program, Construction, and Transportation & Logistics coverages, designed for contractors, equipment dealers, and logistics operators with mobile or in-transit property.
• Management Liability Insurance Coverage for business management risks including Directors & Officers Liability, Employment Practices Liability, Excess Management Liability, Fidelity (Crime), and Fiduciary Liability Insurance, designed for corporate entities and not-for-profit organizations.
• Surety Bonds Surety bond offerings including Claims & Legal, Commercial Surety, and Contract Surety products, designed for contractors and businesses requiring bond coverage for projects and licensing.
• Reinsurance Reinsurance solutions including Catastrophe Excess of Loss and Structured Quota Share products, designed for insurance carriers seeking to transfer or share risk.

Quantifiable outcome

• Claims resolution available 24/7

Named customers3 records

Segments10 records

Ideal customer profiles9 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights5 records

Direct peers

• Beazley Group: Specialty Lloyd's and US insurer with strong specialty commercial and reinsurance books, similar in niche-line emphasis and broker distribution.
• Global Aerospace: Aviation insurance specialist underwriting aircraft, liability, and airport coverage — the closest direct peer for IAT's aviation personal line.
• Kinsale Capital Group: Pure-play excess & surplus lines insurer targeting small-to-medium-sized commercial accounts via brokers — directly comparable in distribution and specialty focus.
• W. R. Berkley Corporation: Decentralized specialty insurance group operating across numerous niche E&S classes, distributed through agents and brokers — comparable structure and product breadth to IAT.
• Markel Corporation: Specialty insurer with deep expertise in niche commercial lines and excess & surplus, distributing through wholesale and retail brokers — directly analogous to IAT's business model.
• RLI Corp: Specialty P&C insurer focused on excess and surplus lines across casualty, surety, and niche commercial classes — the closest comparable to IAT's specialty E&S portfolio.
• Hiscox Ltd: Specialty insurer with a dedicated USA division focused on small-business and professionallines distributed through agents and brokers — a comparable specialty/wholesale model.

Broad incumbents

• The Hanover Insurance Group: National P&C carrier with a specialty commercial division serving niche industries through independent agents — broader portfolio but overlapping distribution and specialty orientation.
• Arch Insurance Group: Diversified P&C insurer with significant E&S and specialty capabilities across commercial and personal lines, distributed through brokers — adjacent scale player.
• Navigators / Hartford Specialty: Specialty operations of a national carrier focused on excess casualty, marine, and construction — a comparable large-incumbent footprint in the same niches as IAT.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/iat-group
• Xx.com/ItsAboutTimeEdu
• Facebookfacebook.com/IATlearning

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Its About Time