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IPMG (Insurance Program Managers Group) offers a specialized Crime Coverage Insurance program that helps agents and brokers place standalone protection for clients that face financial loss from criminal acts. Through IPMG’s relationships with multiple E&S markets, you can access monoline crime solutions tailored for private and publicly traded companies, not-for-profits, and public entities. Ideal Accounts and Appetite This program is designed for insureds that need a dedicated crime policy as part of their enterprise risk management. Target classes include: Mid- to large-size private or public companies with significant cash handling, receipting, or electronic transaction volume Municipalities and other public entities exposed to internal or external fraud risks Not-for-profit organizations that handle donations, grants, or other funds vulnerable to employee dishonesty You might have a client such as a regional nonprofit with multiple fundraising channels or a local government office with decentralized cash handling—both would benefit from a monoline crime program placed through IPMG. Coverage Highlights and Advantages IPMG’s Crime Coverage Insurance program offers broad protection for a full range of crime exposures: Employee Theft and Employee Dishonesty Forgery and Alteration of checks, credit card receipts, and other negotiable instruments Theft, Disappearance and Destruction (on and off premises) Computer Fraud and Funds Transfer Fraud Money Orders and Counterfeit Currency losses Key policy features and options: Primary and excess limits available to build layered programs Discovery form wording Worldwide coverage options where appropriate Limits available up to $10 million, subject to underwriting The program is structured to address both internal threats (employee dishonesty, collusion) and external schemes (cyber-assisted fraud, social engineering, forged instruments). Underwriting Notes and Minimum Premiums As a managing general agency and E&S broker, IPMG underwrites accounts with flexibility based on complexity and exposures. Preferred submissions include: Recent financials and loss runs Description of internal controls, segregation of duties, and treasury procedures Details on electronic payment and funds transfer processes Minimum premiums vary by class, limits, and coverage scope—submitters should expect underwriting questions about controls and loss history to determine pricing and eligibility. Territories and Availability This non-admitted program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Agents and brokers writing business in these states can access IPMG’s E&S markets for competitive placement options. Why Work With IPMG? IPMG combines niche commercial program experience with direct access to multiple excess & surplus markets. That means: Responsive underwriting geared to complex or unusual crime exposures Flexible placement options, including primary and excess layers A partnership approach for agents—IPMG supports submissions, negotiates terms, and helps structure limits and retentions Whether you’re placing a municipality, a multi-site nonprofit, or a growing company with heavy transaction volume, IPMG can help secure tailored crime protection where admitted markets may not be available or sufficient. Give us a call for more information about IPMG's Crime Coverage Insurance! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include private and public companies, municipalities, and nonprofits that handle significant cash flows or financial transactions and need protection against fraud, theft, or employee dishonesty. Is this coverage available on an admitted basis?No. This program is offered on a non-admitted basis through multiple E&S markets accessed by IPMG. What is the minimum premium for this program?Minimum premiums vary depending on the risk profile, selected limits, and coverage options. Contact IPMG for specific underwriting guidance and premium indications. Can this policy be written as excess over another crime policy?Yes. IPMG can provide both primary and excess limits to create layered coverage structures when appropriate. Which states is this program available in?This program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. 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 offers a specialized Childcare Insurance program tailored to meet the unique risks and regulatory requirements of childcare operations. As a Managing General Agency and Excess & Surplus Lines Broker, IPMG provides access to markets that understand the nuances of this critical sector. Whether you’re working with a small in-home daycare or a multi-site preschool operation, this program is designed to help you place accounts that need comprehensive and reliable insurance solutions. Ideal Accounts and Appetite This program is an excellent fit for licensed childcare providers, including: Daycare centers Preschools Before- and after-school programs In-home childcare providers Private early childhood education facilities IPMG is most effective for accounts that demonstrate strong safety protocols, trained staff, and compliance with state childcare licensing requirements. Accounts with prior claims may be considered but will be subject to underwriting review. Coverage Highlights and Advantages IPMG’s Childcare Insurance program offers a broad range of essential coverages to protect childcare operations from both common and specialized exposures: Property – Covers buildings, contents, and equipment. General Liability – Protection against third-party bodily injury and property damage claims. Auto Liability – For centers that transport children. Sexual Abuse Liability – A critical coverage for childcare providers. Student Accident Coverage – Coverage for injuries to children under care. Teachers Professional Liability – Protects against claims related to educational activities and professional duties. Umbrella – Additional limits over primary liability policies. These coverages are structured to address the real-world risks faced by childcare providers, helping you deliver peace of mind to your clients and their stakeholders. Underwriting Notes and Minimum Premiums The program is supported by markets such as Markel, known for their experience in educational and childcare risks. Most available markets are non-admitted, allowing for flexible underwriting solutions. Minimum premium thresholds are low, making the program accessible to a wide range of accounts. Submissions should include standard application forms, a narrative of operations, loss runs (if applicable), and licensing information. IPMG’s underwriting team works with agents to find the best fit for each account. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Agents working with childcare providers in these states can benefit from IPMG’s experience and market access to craft tailored insurance solutions. Why Work With IPMG? IPMG brings deep expertise in the childcare industry and offers strong underwriting support through both standard and surplus lines markets. The team is responsive, knowledgeable, and committed to helping you place business efficiently and effectively. With dedicated contacts by region, you’ll always have a direct line to someone who understands your market and the needs of your insureds. Contact Information: 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 childcare businesses are eligible for this program?This program is ideal for licensed daycare centers, preschools, in-home childcare providers, and early education centers operating in FL, IL, IN, IA, and MO. Are accounts with prior claims eligible for coverage?Yes, accounts with prior claims may be considered. Each submission is reviewed individually by IPMG's underwriting team. What is the minimum premium required to access this program?The program features low minimum premiums, making it suitable for both small and mid-sized childcare operations. Is Sexual Abuse Liability included in the coverage?Yes, Sexual Abuse Liability is one of the key coverage offerings available through this program. What markets support this program?The program is backed by reputable carriers such as Markel, with most coverage written through non-admitted markets. 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 Hotels and Motels Insurance Program Managers Group (IPMG) offers a dedicated Workers Compensation Insurance program tailored specifically for hotels and motels. Whether your client operates a small roadside inn or a large hotel chain, IPMG provides access to strong markets, deep industry expertise, and the responsive service you need to place and manage workers compensation coverage with confidence. Ideal Accounts and Appetite This program is designed for a wide range of hospitality operations, including: Hotels, motels, and extended-stay properties Independent and franchised operations Start-up businesses in the hospitality sector Accounts with high Experience Modification Ratings (EMRs) IPMG welcomes both clean and challenged risks. If you have a client with prior losses or a higher-than-average mod, this program may still be a viable solution. Start-ups are accepted, making this an excellent fit for new hospitality ventures seeking workers compensation coverage from day one. Coverage Highlights and Advantages Minimum premium starting at $500 in most states Access to A- rated carriers or better Flexible underwriting for high-mod and distressed accounts Responsive service and support throughout the policy lifecycle Competitive pricing through a broad network of markets With IPMG, you get more than just access to markets—you gain a strategic partner who understands the unique risks and staffing dynamics in the hospitality industry. Submission Requirements and Underwriting Notes To get started on a quote, please submit the following: Completed Accord application with a detailed description of operations Currently valued loss runs (if applicable) Current Experience Modification Rating (if applicable) IPMG works to provide fast, accurate turnaround on submissions, helping you deliver results to your insureds quickly. Territories and Availability This program is available in most states, including high-demand hospitality markets such as California, Florida, Texas, New York, Illinois, and more. IPMG currently writes in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, DC Markets include both admitted and non-admitted options, depending on the account and state requirements. Why Work With IPMG? As a trusted wholesale broker with deep experience in specialty workers compensation programs, IPMG brings you the tools and underwriting access you need to write hospitality business effectively. Whether you're placing a brand-new account or trying to help a challenged client improve their coverage, IPMG's responsive team and flexible carrier relationships can help you find the right fit at a competitive premium. Partner with IPMG and deliver value-added solutions to your hotel and motel clients today. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets hotels, motels, and extended-stay properties, including start-ups and accounts with higher experience mods. Is coverage available for new businesses or start-ups?Yes, IPMG accepts start-up hospitality operations as long as proper underwriting information is provided. What are the submission requirements for a quote?You’ll need to submit an Accord application with a description of operations, currently valued loss runs, and a current Experience Mod rating if available. Are distressed accounts with high mods eligible?Yes, IPMG has markets that can consider accounts with higher-than-average mods, depending on the overall risk profile. In which states is this program available?The program is available in most states, including CA, FL, TX, NY, IL, and others. A full list is provided in the program description. Need help placing an account? Connect with a market specialist.