Workers Compensation Solutions for Social Services Accounts
Insurance Program Managers Group (IPMG) offers a specialized Workers Compensation Insurance program tailored to the needs of social services organizations. With class codes 8864 and 8842, our program is designed to support agents and brokers looking to place business for clients in the social services sector, including nonprofits, counseling centers, residential care facilities, and more.
Ideal Accounts and Appetite
This program is ideal for social service organizations that provide care, counseling, or residential services. We can accommodate a wide range of operations, including start-ups and accounts with high experience modification ratings. Whether your client is a new counseling clinic or a multi-location residential facility, IPMG has the markets and expertise to find the right solution.
Example accounts that may be a strong fit include:
- A start-up behavioral health nonprofit hiring its first team of counselors
- An established addiction treatment center with a challenging loss history
Coverage Highlights and Advantages
Our Social Services Workers Compensation Insurance program brings together strong market access and dedicated service. Highlights include:
- Minimum premium of $7,500
- Start-up operations accepted
- Access to A- rated carriers or better
- Competitive solutions for clients with high experience mods
We work closely with brokers to ensure the best possible fit for each client, balancing coverage needs with pricing considerations across multiple markets.
Submission Requirements
To begin the underwriting process, the following items are required:
- Completed Accord application with a description of operations
- Currently valued loss runs (if applicable)
- Current Experience Modification Rating (if applicable)
Territories and Availability
This program is available in a wide range of states, including but not limited to IL, CA, TX, FL, and NY. We currently offer access across over 40 jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MS, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, and DC.
We work with both admitted and non-admitted markets, depending on state and account specifics, offering flexibility to meet your clients’ coverage needs.
Why Work With IPMG?
At IPMG, we combine deep workers compensation expertise with a strong understanding of the social services landscape. Our brokers benefit from:
- Dedicated support and responsive service
- Broad market access tailored to social service risks
- Ability to place both clean and distressed accounts
- Flexible underwriting with a focus on long-term client relationships
If you're looking for a reliable partner to place Workers Compensation coverage for your social services clients, IPMG is ready to help. Let us help you find the best fit at the most competitive premium.