Insurance Program Managers Group (IPMG) offers agents and brokers access to robust Excess Liability Insurance solutions designed to help insureds manage high-limit exposures across a wide range of industries. Whether your client needs extended coverage above their primary policies or layered protection for more complex risk profiles, IPMG has the market access and underwriting flexibility to support your placement needs.
Ideal Accounts and Appetite
This program is available for hundreds of business classes, making it a flexible solution for a wide variety of commercial clients. Target accounts include businesses with heightened liability exposures in sectors such as construction, hospitality, transportation, manufacturing, and more.
Example scenarios that fit well with this program include:
- A contractor who needs $10M in excess coverage layered above GL and auto to meet jobsite requirements.
- A hospitality client with liquor liability exposure looking to secure higher limits for umbrella protection.
Coverage Highlights and Advantages
- Limits available up to $10,000,000 in-house, with higher amounts accessible through brokerage markets.
- Both primary and layered excess options are available based on account needs.
- Admitted and non-admitted options provided to meet underwriting and regulatory requirements.
- Underlying coverage types include General Liability, Auto Liability, Employer’s Liability, and Liquor Liability, among others.
- Backed by A-rated carriers for financial strength and claims reliability.
Underwriting Notes and Minimum Premiums
Minimum premiums typically range from $500 to $750 per layer, depending on the class of business and limit structure. IPMG works closely with agents to assess risk and build custom solutions that meet the insured’s risk tolerance and budget.
Territories and Availability
This program is available in the following states: Florida (FL), Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Admitted paper may be available in some of these states, with non-admitted options ready for more complex or higher-risk placements.
Why Work With IPMG
IPMG brings industry expertise and strong carrier relationships to help agents place tough-to-insure accounts with confidence. Their responsiveness, underwriting support, and flexibility make them a valuable partner for agents seeking tailored excess liability solutions. Whether you're working with standard exposures or more challenging risks, IPMG is positioned to help you deliver value to your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
IPMG’s Excess Liability Insurance program fits a wide range of commercial clients, especially those in construction, hospitality, transportation, and manufacturing with significant liability exposures.
What is the minimum premium for this program?
Minimum premiums typically range from $500 to $750 per layer, depending on the class of business.
Is this coverage available on an admitted basis?
Admitted and non-admitted options are available, depending on the state and the specific risk characteristics of the account.
What underlying coverages are supported?
The program supports a variety of underlying coverages, including General Liability, Auto Liability, Employer’s Liability, and Liquor Liability.
Which states is this program available in?
This program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri.
Need help placing an account? Connect with a market specialist.