For more than 15 years, Insurance Program Managers Group (IPMG) has served as a trusted wholesale broker for agents and brokers placing Workers Compensation Insurance. With deep underwriting experience across a wide range of industries and access to multiple A-rated carriers (admitted and non-admitted as available), IPMG helps you secure competitive, tailored coverage for clients with routine and more challenging exposures.
Ideal Accounts and Target Industries
IPMG has the underwriting expertise and market access to handle a broad spectrum of Workers Compensation classes. Our appetite includes, but is not limited to:
- Contractors and construction-related businesses
- Healthcare providers and facilities
- Manufacturing operations
- Auto dealerships and service centers
- Trucking and transportation firms
We routinely consider accounts with elevated experience modification factors, complex loss histories, and other loss-challenged characteristics that can be difficult to place in standard markets.
Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses—IPMG can compile submissions to multiple carriers and help you explore competitive placement options while addressing underwriting questions up front.
Submission Requirements
To help us deliver fast, accurate indications and bindable quotes, include the following with your submission:
- Completed ACORD application with a clear description of operations
- 3–5 years of currently valued loss runs
- Current experience modification rating (if applicable)
Providing clear payroll breakdowns and a summary of any loss control efforts or return-to-work programs will improve placement results.
Territories and Availability
IPMG offers Workers Compensation solutions in most U.S. states. We are actively writing business in over 45 states and Washington, DC, including: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, DC. Carrier availability and program structure may vary by state.
Why Partner With IPMG?
IPMG focuses on getting difficult and standard Workers Compensation accounts placed quickly and competitively. Our team provides responsive underwriting, broad broker relationships, and workflow support so you can win new business and retain clients. We combine market access with practical risk management resources to help control cost and improve renewal outcomes.
What types of accounts are a good fit for IPMG's Workers Compensation program?
We write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider higher-mod or loss-challenged risks that standard markets may decline.
What is the minimum premium for this program?
Premiums generally start around $500 and scale based on class, payroll and exposure. We handle accounts from small businesses up to $1M+ premium size.
How quickly can I get a quote?
Same-day quotes are available for many classes when you submit a complete package: ACORD application, current loss runs, and experience mod (if applicable).
Which states are eligible for this program?
IPMG is active in most states, including CA, TX, FL, NY and many others—carrier options and program structure vary by state.
Does IPMG offer risk management support?
Yes. We can connect you and your clients with additional risk management services designed to improve workplace safety and control claims cost.