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Enhancing Agency Value: What The Marketing Manager Can Do
  ENHANCING AGENCY VALUE: WHAT THE MARKETING MANAGER CAN DO by John Jaques ...ash for reinvestment in the agency, marketing personnel will have directly giv...

Developing A Marketing Plan In A Distressed Agency
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...rokers do a good job of advising agencies about companies’ Best ratings. In ma... involve state insurance regulatory agencies and the roles they play. The issu...

We will write almost anything on wheels! Overview of the Commercial Auto Program from INSURANCE MARKETS AGENCY INC INSURANCE MARKETS AGENCY INC offers a flexible Commercial Auto Insurance program built to help agents place hard-to-insure, specialty, and niche commercial auto risks. Whether your client operates a garbage hauling business, a petroleum transportation fleet, a public livery service, or a general trucking operation, this program delivers tailored solutions for a wide range of vehicle-based exposures. Ideal Accounts and Appetite This program targets accounts with specialized vehicle use and experienced drivers. Markets are available for: Garbage & Waste Operations: Residential, commercial, or construction debris hauling using compactors, roll-off trucks, and dump trailers. Petroleum Haulers: Transport of LPG, gasoline, diesel, heating oil, and similar petroleum-based products (with appropriate hazmat documentation). Public Livery Auto: Passenger transport such as limousines, vans, church and hotel buses, sightseeing vehicles, and non-emergency medical transport. Trucking Operations: For-hire or private fleets hauling commodities, equipment, refrigerated goods, livestock, and more — including auto transporters and UIIA-compliant operations. Ineligible Risks We are unable to consider risks that involve: Medical or biohazardous waste transportation Hazardous materials classified as explosives, corrosives, radioactive substances, or poisonous gases School transportation, charter buses, or student drivers Non-employee passengers or short-term leased vehicles Coverage Highlights and Advantages Key features of the program include: Automobile liability limits up to $5 million Excess/umbrella options available above $5 million Physical damage written on a stated value basis Available coverages: Motor Truck Cargo, Trailer Interchange, Refrigerated Breakdown Broadened Pollution Endorsement (CA 99 48) for eligible petroleum haulers Radius of operations: unlimited General Liability available for qualifying operations These enhancements help address unique exposures—such as cargo vulnerability, pollutant release for fuel haulers, and passenger liability for livery operations. Underwriting Requirements and Minimums To ensure timely review, submissions should include: Loss runs for the past 3–5 years Complete VINs on all power units Driver roster with MVRs; drivers must be at least 21 with a minimum of two years’ relevant driving experience Written safety programs and regulatory compliance documentation for hazmat/petroleum haulers Minimum property damage deductible of $500 Minimum premiums and final terms vary by carrier and class. Contact INSURANCE MARKETS AGENCY INC for pricing guidance on specific risk types. Territories and Availability This Commercial Auto program is currently available in New Jersey (NJ) and Pennsylvania (PA). We can place both admitted and non-admitted risks depending on carrier appetite and the specific exposures presented. Why Work With INSURANCE MARKETS AGENCY INC? As a Managing General Agency and Excess & Surplus Lines broker, INSURANCE MARKETS AGENCY INC specializes in placing complex and niche commercial auto accounts. Our strengths for agents include: Access to multiple carrier markets for broader placement options Underwriting experienced with petroleum, waste, livery, and specialty trucking classes Responsive underwriting and tailored policy forms for unique operations Ability to place both admitted and E&S business when appropriate You might have a client that owns a small fleet of roll-off garbage trucks with a clean loss history but limited market options—this program can often provide competitive liability and cargo solutions. Or you may represent a regional petroleum distributor that needs a broadened pollution endorsement and higher liability limits; we have markets that specialize in those exposures. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits garbage haulers, petroleum transporters, passenger transport services, and general freight or commodity trucking operations—especially those with experienced drivers and a reasonable loss history. Are hazardous material haulers eligible?Only petroleum-based haulers are typically eligible. Risks involving explosives, corrosives, or radioactive materials are not accepted. Can I place a mixed-use fleet under this program?Yes. Mixed-use fleets may qualify if each vehicle’s use and exposure fit within the program guidelines. Submit full vehicle and use details for underwriting review. Is this program available outside NJ and PA?Currently, availability is limited to New Jersey and Pennsylvania. Contact INSURANCE MARKETS AGENCY INC for updates on future expansion. What is the turnaround time for quotes?Turnaround depends on class and the completeness of the submission. Providing loss runs, VINs, and driver records up front helps speed the quoting process. Need help placing an account? Connect with a market specialist.

Our Miscellaneous Professional Liability Insurance program from INSURANCE MARKETS AGENCY INC is designed for independent agents who need a flexible market for businesses that provide professional or administrative services but do not fit into traditional professional malpractice markets. The program helps protect your clients when they are sued for alleged negligence, errors, omissions, misrepresentation, or failure to perform professional services — even in situations where no actual mistake has occurred. Underwriting and carrier appetite vary by class; this program places business on a non-admitted / E&S basis through experienced underwriters. Classes: Answering Services Arbitrator Billing Service Book Keeper Business Manager Caterer Claims Adjuster Classroom Instructor Cleaning Service Coaching Service Collection Agency Consultants Damage Appraiser Dance Instructor Dog Obedience School Employment Agency Event Planner Graphic Designer Insurance Inspector Mailing Services Notary Payroll Processing Pet Grooming Service / Pet Sitter Photographer Printer Private Investigator Property Manager Sports Instructor Teacher / Tutor Third Party Administrator … And Many More! Overview of the Program The program is intended for small- to mid-sized professional and service businesses that face liability from the services they perform. INSURANCE MARKETS AGENCY INC places these accounts with multiple E&S carriers (carriers vary by class) to provide competitive coverage and capacity when admitted markets are limited or unavailable. Policies are underwritten with practical, serviceable terms for common professional exposures and are supported by brokers experienced in miscellaneous professional liability. Ideal Accounts and Appetite This program is a strong fit for businesses that provide non-licensed professional, administrative, or technical services, including but not limited to: consultants, billing and payroll firms, event planners, photographers, graphic designers, private investigators, property managers, instructors/coaches, and similar classes listed above. Typical accounts have: Clear, documented service descriptions and client contracts. Reasonable annual revenues for a small or medium business. Limited or manageable prior claims history (loss runs required). Operations primarily in New Jersey and Pennsylvania (see Territories below). Coverage Highlights and Advantages Protection for allegations of negligent professional service, errors, omissions, and related defense costs. Flexible limits and endorsements available depending on carrier and class. Access to multiple E&S carriers through a single wholesale partner for faster placement options. Underwriters experienced with miscellaneous classes — helpful for unusual or mixed-service operations. Underwriting Notes and Minimum Premiums Submission requirements typically include a completed application (ACORD or carrier form), a description of services, revenue or payroll breakdown, and current loss runs (usually last 3–5 years). The program generally has minimum premiums in the range of Varies from $2500 - $7500 depending on class, limits, and exposure. Because carriers vary, appetite and specific terms are determined on a per-risk basis. Territories and Availability This program is available in: NJ, PA. Placement is generally through the E&S market; admitted availability is limited. Agents should confirm state eligibility for each submission. Why Work With INSURANCE MARKETS AGENCY INC As a general agency and E&S broker, INSURANCE MARKETS AGENCY INC combines access to multiple markets with underwriting experience for miscellaneous professional risks. You get a single point of contact for placement, tailored underwriting attention for mixed or non-standard operations, and practical guidance on risk presentation to improve chances of competitive terms. Example Accounts That Often Fit You might have a freelance graphic designer with modest annual revenue who needs professional liability limits to contract with a local agency — this program can provide appropriate limits and wording. Or an employment agency that screens candidates and wants coverage for alleged negligent placement or inaccurate references — the program can evaluate and place that exposure through E&S carriers. To learn more about our Miscellaneous Professional Liability Insurance or any other insurance we offer please give us a call 570-586-1471, and ask for Ryan, Bill, Peter or Joe Tierney Frequently Asked Questions What types of accounts are a good fit for this program?Good fits are non-licensed professional and administrative service providers such as consultants, payroll processors, event planners, photographers, property managers, tutors, and similar classes. The program targets small- to mid-sized operations without specialty medical, legal, or accounting malpractice exposures. What is the minimum premium and how are rates determined?Minimum premiums typically range from $2,500 to $7,500 depending on class, limits, revenue, and loss history. Final premiums and terms are determined by the chosen carrier and the specific risk characteristics. What submission materials do underwriters require?Underwriters generally want a completed application (ACORD or carrier form), a clear description of services and operations, revenue or payroll figures, and current loss runs (usually last 3–5 years). Contracts or sample engagement letters may be requested for higher exposure accounts. Are there classes you will not consider?The program is not intended for risks that belong in specialized malpractice markets (for example, physicians, dentists, lawyers, and sometimes CPAs or architects/engineers). High-hazard operations or clients with significant unresolved claim activity may also be declined or require referral. How long does it take to get a quote?Turnaround depends on the completeness of the submission and carrier review, but agents can generally expect an initial quote or feedback within a few business days after a complete submission is received. Need help placing an account? Connect with a market specialist.