Welders Insurance Program from IPMG
Insurance Program Managers Group (IPMG) provides brokers and agents access to a specialized Welders Insurance program designed for small to mid-sized welding and metal fabrication operations. Working with “A”-rated E&S carriers, IPMG delivers flexible, non-admitted solutions in Florida, Illinois, and Missouri backed by experienced underwriting and responsive brokerage service.
Ideal Accounts and Target Classes
This program fits a broad range of welding-related trades, especially mobile and on-site operations. Typical classes we place include:
- Repair of farm or factory equipment, machinery, and miscellaneous equipment
- Trailer hitch fabrication and repair (up to 25% of operations)
- Installation of handrails, stair rails, and balcony railings
- Metal erection and metal goods manufacturing
- Auto and truck body/frame welding, including bumpers
- Conveyor system repairs
- Man lift and lift truck maintenance
- Logging equipment repair
- Work on window guards, bars, and similar security fixtures
IPMG is a good fit for clients working in agricultural, industrial, and light commercial settings, including single-operator shops and small crews that perform both shop-based and off-site work.
Coverage Highlights and Advantages
- Access to experienced, “A”-rated E&S carriers for risks that may not fit admitted markets
- Coverage for both shop and mobile/on-site welding operations
- Competitive pricing geared toward small operators and one-person shops
- Underwriters and brokerage staff with hands-on knowledge of welding exposures
- Quick, practical underwriting decisions when submissions include required documentation
Underwriting Notes and Minimum Premiums
The program requires a completed ACORD application plus a supplemental welders application for full underwriting review. Minimum premium starts at $1,000. IPMG’s underwriters evaluate operations by class mix, payroll, revenue, mobile exposures, and loss history; they can often structure terms to address common welding exposures when the risk profile is clear.
Typical Appetite and Common Restrictions
What typically fits:
- Small fabrication shops and mobile welder accounts with limited hot work exposure controls
- Accounts where welding is a primary operation or a substantial portion of the business
What may not fit or will require special handling:
- Large scale structural steel erectors or heavy industrial contractors with significant site risk
- Accounts with poor loss history, inadequate hot work procedures, or large subcontractor exposures
Territories and Availability
This program is offered on a non-admitted basis in Florida, Illinois, and Missouri. IPMG works with appointed agents in those states to place accounts efficiently and to find appropriate carrier capacity.
Why Work With IPMG?
As a Managing General Agency and E&S broker, IPMG brings decades of specialty placement experience. Agents benefit from direct access to underwriting decision-makers, pragmatic risk acceptance, and a service-oriented team that understands welders’ unique operations. IPMG helps place accounts that need tailored terms outside standard admitted market appetite.
Example Account Scenarios
- You have a client who runs a one-person mobile welding service repairing farm equipment and installing handrails at residential and commercial sites — this program can provide general liability and equipment coverage with competitive terms.
- You represent a small shop that fabricates light metal goods and performs occasional trailer hitch work (under 25% of operations) — IPMG can evaluate class mix and offer appropriate coverage on an E&S basis in the program states.
Contact our team today to discuss placement strategies and the documentation needed for fast underwriting decisions: