Why Choose ICC?

Innovative Coverage Concepts provides comprehensive, customized insurance programs to meet the needs of niche markets.   

Because insuring special business segments is our only business, we can offer specialized coverages and lower costs for the well-managed business.  Choosing ICC has many advantages.

A Different Approach

• Leveraging the volume and power of special programs allows us to obtain the broadest coverage and great pricing in our programs tailored especially for particular business segments.

Specialized Products

• Whether an individual client is a small business or a large multi-state operation, ICC can deliver the right product at the right price. 

• Deductibles, SIR’s and other Alternative Risk Management techniques available for large accounts 

• Special high-limits umbrella program 

• Competitive Workers’ Compensation coverage in many states.

Carrier Relationships

• Strong relationships with several carriers, each with their own strengths and appetites. 

• All are financially strong and admitted, with Best’s ratings of at least “A”

• Multiple relationships provide ICC with maximum flexibility in coverage design and pricing for different programs

• Outstanding ability to deliver loss control and claims service in addition to great products

Customized Coverages

• ICC’s knowledge and experience in program management allows us to focus on critical exposures

• We can then pick the markets that can best provide what’s needed. 

• Our objective is to provide a customized insurance program at the lowest possible price.  

Our Claims Philosophy

• Settle clients’ claims quickly and fairly while discouraging claims brought against them by others whenever possible. 

• Use technology to speed the entire claims process.

• Provide up-to-date claims information for each client.

Effective Loss Control

• Loss Control is the most effective claims management tool of all

• We use it proactively to avoid claims from occurring in the first place.

Fast Response

• Exclusive focus on specific programs allows us to respond quickly

• Our organizational structure and advanced technology afford the strongest client service and fastest response time possible.

Absolute Integrity

• We are advisors to clients, not just another place to shop for insurance.   

• We are always on the lookout for better, more cost-effective ways to cover risk exposures. 

• The interests of our clients always come first—whether it involves coverage, cost, or claims management.