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Home Health Care Insurance Program from IPMG Insurance Program Managers Group (IPMG) provides targeted access to Home Health Care Insurance markets for agents who place in-home medical and non-medical service providers. Whether you're working with a multi-state skilled nursing agency or a local personal care provider, IPMG connects you to tailored E&S solutions designed to address the specific operational and professional exposures of home-based care. Ideal Accounts and Appetite This program fits a broad range of home care operations, including: Skilled nursing and licensed medical home care agencies Personal care, companion and homemaker services Home-based therapy providers (physical, occupational, speech) Hospice and palliative care providers Typical placements include agencies providing personal care across multiple counties, therapy companies delivering services in clients’ homes, and skilled providers expanding into services such as in-home IV therapy. Accounts with clear hiring and supervision practices, documented policies, and basic risk management are generally preferred. Coverage Highlights and Advantages IPMG’s Home Health Care program pairs underwriting expertise with a comprehensive coverage package to protect common exposures for home care providers. Key coverages include: Professional Liability – Defense and indemnity for alleged negligence, errors, or omissions in patient care. General Liability – Premises and operations protection for bodily injury and property damage arising from day-to-day services. Hired and Non-Owned Auto – Coverage for employees using personal vehicles on company business. Crime – Protection for losses from employee theft and related dishonest acts. Data Breach & Privacy/ Security Liability – Coverage for HIPAA-related incidents and cyber/privacy exposures. Sexual Misconduct Sublimit – Acknowledges and addresses a sensitive exposure area common to home care. Employee Benefits Liability – Coverage for administrative errors in benefit programs. These options give your insureds practical protection across professional, general, cyber, and employee-related risks so they can focus on care delivery. Underwriting Notes and Minimum Premiums The program is placed on a non-admitted basis through Hiscox, offering placement flexibility for unique or harder-to-place risks. Underwriters favor accounts with documented policies, clear staff credentialing, reasonable visit limits per caregiver, and basic loss-control practices. The minimum premium for eligible accounts starts at $1,500. For agencies with higher limits, multi-state operations, or significant professional exposure, IPMG’s underwriting team can structure broader solutions—contact underwriting to discuss specific scenarios and appetite exceptions. Territories and Availability Current availability: Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Coverage is written through E&S markets and may not be available on an admitted basis in these states. Why Work with IPMG? As a Managing General Agency and E&S broker, IPMG specializes in health care risk and provides responsive underwriting, timely submissions, and access to a trusted carrier (Hiscox) for this line. Their healthcare division understands the operational nuances of home care and helps agents place both routine and complex accounts efficiently. Example scenarios that fit well: A mid-sized home health agency expanding into in-home infusion services that needs professional liability plus cyber/privacy protection. A regional personal care company with employees using personal vehicles to transport clients who needs hired/non-owned auto and crime coverage. For underwriting questions or to submit a risk, contact: Mike Miller (IL) Director - Healthcare Division (630) 485-5850 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Home Health Care Insurance program?Ideal accounts include both medical and non-medical home health care providers, such as skilled nursing agencies, personal care aides, and therapy service providers operating in clients’ homes. Is this program available on an admitted basis?No. This program is offered on a non-admitted (E&S) basis through Hiscox, which allows flexibility for unique or harder-to-place risks. What states is the program available in?The program is currently available in Illinois, Indiana, Iowa, and Missouri. What is the minimum premium for this program?The minimum premium for eligible accounts starts at $1,500. Who can I contact to get a quote or learn more about placing business?Reach out to Mike Miller for Illinois accounts or Kristina Freeze for Missouri underwriting questions and submissions. Need help placing an account? Connect with a market specialist.

Environmental Insurance IPMG provides access to comprehensive Environmental Insurance markets so agents and brokers can place coverage for a wide range of environmentally exposed businesses. Whether your client is an environmental contractor, a non-environmental service provider with incidental pollution exposures, or a hazardous materials transporter, IPMG can help you identify the right market and structure to protect them. This program is designed to meet the growing need for customized environmental solutions across multiple industries. With access to both admitted and non-admitted markets, IPMG delivers flexible options tailored to pollution liabilities, site risks, transportation exposures, contaminated property, and related environmental claims. Targeted Classes Primary classes that fit this Environmental Insurance program include: • Environmental Consultants • Environmental and Restoration Contractors • Non-environmental Contractors with incidental pollution exposures • Transportation and logistics companies handling environmental products • Site Risks — any class of occupancy or use • Manufacturers • Healthcare and Medical Facilities • Real Estate Owners and Developers • Municipalities, Schools, and Universities • Oil & Gas operations • Underground and Above Ground Storage Tank operators Coverage Highlights Available coverages through IPMG include: • Contractors Pollution Liability (CPL) • Professional Liability for consultants and service providers • Transportation Pollution Liability • Site Pollution Liability — for both waste and non-waste operations • Coverage for Mold, Asbestos, and Lead exposures • Commercial General Liability • Commercial Excess Liability Underwriting Notes and Minimum Premiums Minimum premiums start at $1,500, making this program accessible for small to mid-sized accounts. IPMG evaluates each submission on its merits and works with brokers to tailor limits, extensions, and forms to the client’s operations and exposure level. Appetite includes both new ventures and established firms with environmental risk components; higher hazard operations will be considered on a case-by-case basis with fuller underwriting information. Available Territories This Environmental Insurance program is currently available in: Arkansas (AR), Florida (FL), Iowa (IA), Illinois (IL), Indiana (IN), Missouri (MO), Ohio (OH), and Wisconsin (WI). Why Work With IPMG? IPMG is a wholesale broker with focused expertise in environmental insurance. Their underwriting team understands pollution exposures and the specialty markets that write them. Working with IPMG provides: • Market access to admitted and non-admitted carriers experienced in environmental risks • Tailored placement strategies for site, contractor, transportation, and professional exposures • Practical guidance on submissions and documentation to streamline placement Example scenarios where this program is a strong fit: • You represent a developer converting older industrial sites to mixed-use projects — IPMG can help secure site pollution liability for legacy contamination and redevelopment risks. • You have a small plumbing or general contractor who occasionally handles mold or lead remediation — the program can provide Contractors Pollution Liability to address incidental pollution exposures that standard GL may exclude. Partner with IPMG to access markets that understand environmental complexity and to place tailored solutions for your clients’ environmental exposures. Frequently Asked Questions What types of accounts are a good fit for IPMG's Environmental Insurance program? This program is well suited for environmental contractors, consultants, transportation firms, manufacturers, healthcare facilities, real estate developers, and other insureds with pollution exposures. Are non-environmental contractors eligible for coverage? Yes. Non-environmental contractors with incidental pollution exposures—such as general contractors or plumbers—may qualify for Contractors Pollution Liability and related coverages, depending on scope of work and controls in place. What is the minimum premium for this program? Minimum premiums start at $1,500, though final pricing depends on class, operations, limits, and underwriting details. Is this program available in all states? No. IPMG currently offers this Environmental Insurance program in AR, FL, IA, IL, IN, MO, OH, and WI. Does IPMG place business in both admitted and non-admitted markets? Yes. IPMG has access to both admitted and non-admitted markets and will recommend the best placement based on the risk profile and client needs. Need help placing an account? Connect with a market specialist.

IPMG (Insurance Program Managers Group) offers a focused Pest Control Insurance program designed to help agents place professional pest-management accounts across a range of exposures. As a Managing General Underwriter and Excess & Surplus Lines broker, IPMG provides access to top-rated markets, including Markel, with most capacity available on a non-admitted basis. This program is positioned for independent agents and brokers seeking dependable coverage solutions for pest control clients in Illinois, Missouri, Iowa, Indiana, and Florida. Ideal Accounts and Appetite IPMG’s Pest Control Insurance program targets licensed pest management firms that perform termite control, rodent removal, insect treatments, herbicide/pesticide applications, and weed abatement. The program accommodates residential, commercial, and light industrial operations—especially businesses that handle chemicals, perform treatments at heights, or regularly enter customer property. Coverage Highlights and Advantages The program bundles core liability and property protections with industry-specific coverages designed for pest control exposures: General Liability Property Commercial Auto Excess Liability Care, Custody and Control Herbicide/Pesticide Application coverage Job Site Pollution — up to policy limits Transit Pollution — up to policy limits Limited Mold Coverage These coverages help protect operations from claims tied to chemical exposure, accidental environmental damage, and property damage during service calls. For example, a commercial property manager seeking protection for routine termite treatments or a residential operator applying pesticides in neighborhoods would benefit from the program’s pollution and pesticide-application features. Underwriting Notes and Minimum Premiums IPMG underwrites qualified, licensed pest control businesses with a flexible approach that supports both small start-ups and established midsize companies. The program carries a low minimum premium, making it accessible for a broad range of accounts. Underwriters review environmental controls, chemical-handling procedures, employee training, and vehicle operations when assessing risk. Territories and Availability This program is currently available in: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) IPMG places many accounts through non-admitted markets, which provides underwriting flexibility for higher-risk or unique operations while maintaining access to admitted carriers where appropriate. Markel is among the carriers accessible through this program. Why Work With IPMG? IPMG combines program-specific underwriting expertise with surplus lines placement capabilities. Agents gain direct access to experienced underwriters and regional contacts who understand the operational and regulatory realities of pest control businesses. The firm’s focus on environmental and pollution exposures, plus its relationships with carriers like Markel, helps agents place accounts that might be difficult in standard markets. Matt Becker (IL) Surplus Lines Practice Leader (630) 485-5952 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Barbara Commings (FL) Florida Branch Manager (855) 377-4764 ext. 5222 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Licensed pest control firms providing residential, commercial, or light industrial services—such as termite control, insect treatments, rodent removal, and pesticide application—are a strong fit. Is this program admitted or non-admitted?IPMG places business through several markets; most capacity is available on a non-admitted basis, which allows more flexible underwriting for specialized or higher-risk accounts. What is the minimum premium for this program?The program offers a low minimum premium, making it practical for small and mid-sized operators, including start-ups and growing companies. What coverages are included in the Pest Control Insurance program?Available coverages include General Liability, Property, Commercial Auto, Excess Liability, Pollution (job site and transit), Limited Mold, Care/Custody & Control, and Herbicide/Pesticide Application coverage. Which states is this program available in?This program is available in Florida, Illinois, Indiana, Iowa, and Missouri. Need help placing an account? Connect with a market specialist.

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. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is designed for social service organizations such as counseling centers, residential care facilities, behavioral health providers, and nonprofits offering community services. Can start-up operations apply for coverage?Yes, we accept start-up social service accounts, provided they meet underwriting guidelines and submission requirements. What is the minimum premium for this program?The minimum premium for eligible accounts is $7,500. Do you work with accounts that have high experience mod ratings?Yes, we have markets that can accommodate clients with higher-than-average experience modifications. What documentation is required for submission?Submissions should include a completed Accord application with a description of operations, currently valued loss runs (if applicable), and the current experience mod rating (if applicable). Need help placing an account? Connect with a market specialist.

Take Out Restaurant Insurance Insurance Program Managers Group (IPMG) offers a specialized Take Out Restaurant Insurance program for foodservice operations with substantial take-out or delivery exposure. If a restaurant derives at least 35% of receipts from take-out or delivery, this program provides targeted liability and property coverages designed to address those off-premise risks. Ideal Accounts and Appetite This program is a strong fit for agents placing restaurants where off-premise sales are a significant portion of business. Typical accounts include: Family-style restaurants that prepare food on-site, have 35%+ of sales from take-out/delivery, and no more than 10% of total sales from alcohol. Quick-service or limited-seating operations (fewer than 20 seats or about 4 tables) with no alcohol sales and a heavy take-out/delivery mix. Eligible operations commonly placed through this program include: Asian restaurants Sub and sandwich shops Bagel and donut shops Coffee shops Food court restaurants in malls Coverage Highlights and Advantages IPMG’s Take Out Restaurant Insurance focuses on the exposures created by high off-premise sales. Key coverages available include: General liability tailored for foodservice operations Commercial property for building contents and equipment Liability-only accounts start at $600, with package minimums beginning at $900. Policies are placed on non-admitted paper through A-rated carriers, providing capacity and underwriting expertise for risks that may be difficult to place in standard markets. Underwriting Notes and Minimum Premiums Underwriting review is required for every submission. Some small operations may qualify as non-auditable if annual receipts are under $500,000—this can simplify placements for lower-revenue clients. Appetite is focused on single-location, on-site food preparation with substantial take-out/delivery volume; higher-risk exposures (extensive alcohol sales, multiple locations, or significant catering/onsite event exposures) will generally be declined or require separate review. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Contact the appropriate state representative below to discuss specific submissions, appetite nuances, and available limits. Why Work With IPMG? IPMG specializes in niche commercial programs and offers agents access to markets that understand take-out and delivery-focused restaurant risks. The underwriting team has experience placing accounts that do not fit typical restaurant markets and can help identify the right structure and limits for off-premise exposure. Whether your client runs a busy sandwich shop with no seating or a family-style kitchen offering curbside pickup and limited alcohol sales, IPMG can help place the account efficiently and competitively. Program Contacts by State Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with 35% or more of sales from take-out or delivery, including sub shops, coffee shops, and Asian restaurants. Family-style restaurants with limited alcohol sales may also qualify. Is this program available in my state?This program is available in FL, IL, IN, IA, and MO. Contact the corresponding state representative for submission details. What coverage options are available?Coverage includes liability and property. Packages start at $900, and standalone liability starts at $600. Are small operations eligible?Yes, risks with under $500,000 in receipts may be considered non-auditable, making the program accessible for smaller businesses. Who underwrites the policies?Coverage is written on non-admitted paper through A-rated carriers, ensuring strong financial backing and underwriting expertise. Need help placing an account? Connect with a market specialist.