Overview — IPMG Nursing Home Insurance and Risk Management
IPMG provides dedicated Nursing Home Insurance and Risk Management solutions for senior care providers. We combine program underwriting (including acting as Managing General Underwriters for select programs) with wholesale brokerage and hands-on risk management designed specifically for nursing homes, assisted and independent living, CCRCs, home health agencies and adult day care providers.
Our Healthcare division focuses on the senior care market and manages specialty liability programs such as Trinity Risk Solutions RRG (for not-for-profit providers) and New York Healthcare RRG (open to all ownership types). IPMG also places primary and excess P&C coverages, including workers’ compensation, through multiple markets and RRG capacity.
Ideal Accounts and Appetite
This program is tailored for licensed senior care operators where clinical protocols, regulated operations and staff training are central to controlling liability—and where active risk management will materially reduce exposures. Typical fits include:
- Skilled nursing/nursing homes (licensed)
- Assisted living and independent living communities
- Continuing care retirement communities (CCRCs)
- Home health providers and adult day care centers
Accounts with established management, good licensure history and a commitment to documented clinical processes and staff training are the best fits. For higher-risk specialty operations (for example unlicensed programs or clinical models outside traditional senior care), please discuss specifics with underwriting before submission.
Coverage Highlights and Advantages
IPMG’s program offers access to multiple liability markets and RRG capacity with a focus on practical loss control. Key advantages for agents and their clients include:
- Program access to Trinity Risk Solutions RRG and New York Healthcare RRG
- Wholesale brokerage for primary and excess P&C placements, including workers’ compensation
- Integrated risk management services that help reduce severity and frequency of claims
- 24-hour risk management hotline and online incident reporting
Risk Management Services
IPMG’s in-house risk management team includes former Directors of Nursing and clinical professionals such as physical therapists. Their services are designed to improve care quality, protect employees and help manage insurance costs.
- Regulatory compliance assistance
- Accident investigation training and incident investigation assistance
- 24-Hour risk management hotline and online incident reporting
- Mock surveys, plan of correction assistance and clinical case reviews
- Employee programs: limited lift programs, essential functions testing, drug testing and background check policies
- Supervisors/leadership development and wellness consulting
Underwriting Notes and Minimum Premium
Submissions should include completed applications, recent loss runs and proof of licensure. This program typically requires a minimum annual premium of $10,000. Because IPMG places business into both RRG and non-admitted markets, terms and attachment points will depend on account profile and desired structure.
Territories and Availability
Available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage may be placed in admitted or non-admitted markets depending on carrier and program structure; consult underwriting for state-specific placement guidance.
Why Work With IPMG on Senior Care Business
Agents choose IPMG because we combine program access (including RRGs), wholesale brokerage relationships and clinical-focused risk management. Our team’s senior care experience helps translate clinical improvements into measurable reductions in exposure, which supports better pricing and placement options.
Example Placement Scenarios
You might have a client who is a 75-bed not-for-profit nursing home with stable management and a strong incident reporting program—this is a natural fit for Trinity Risk Solutions RRG capacity. Or you may represent a small assisted living operator seeking primary liability and workers’ compensation where IPMG’s wholesale markets and risk management services can be bundled to improve terms.
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