In 1952 the management of Innovative Coverage Concepts (ICC) built a mid-size regional insurance brokerage firm in New Jersey, offering a variety of property/casualty insurance products and services to both commercial and personal clients.

Even at that time, when insurance products were extremely standardized, the firm developed a specialty: providing restaurants with property, liability, and workers’ compensation insurance.  By the late 1980s, the firm became a dominant player in the Northeast for this niche market, having developed special programs geared specifically to meet the needs of restaurateurs. 

With that as a springboard, the company applied the power of specialization in building a sustainable competitive advantage.  As a result, other successful “niche market” programs were developed, including those for Pre-schools, Armored Cars, Fraternal Clubs, and Cosmetics Firms.   

Today, ICC continues its tradition of providing outstanding programs for specialized business segments, lending its expertise, knowledgeable staff, and longstanding relationships to insureds throughout the United States.