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...lers, converters, and repairers of buses and motorcoaches. The program is desi... causes of loss to protect customers’ buses while in your client’s care, custo...

...luding but not limited to: • Automobiles • Trucks • Medical Transport Vehicles • Taxi Cabs • Limousines • Buses • +More If your client’s class of ...medical transport, taxis, limousines, buses, and other fleet operations. We al...

The IPMG Garage Insurance Program is designed with independent agents in mind. We understand the unique challenges you face when placing Garage risks, and our specialized team is here to support you every step of the way. Whether you're working with established clients or pursuing new business, our program offers the flexible underwriting, competitive markets, and expert service you need to succeed. Ideal Accounts and Appetite IPMG provides access to markets that can handle a wide range of garage-related operations. Our appetite includes, but is not limited to: Dealers Open Lot Heavy Vehicle Sales and Service Motorcycle and Off-Road Vehicle Dealers Salvage Yards Valet Parking Services If you're working with clients in these industries, we have the tools and carrier partnerships to help you place that business effectively. Coverage Highlights and Advantages Our Garage Insurance Program provides a broad range of coverages tailored to meet the risks of the automotive service and sales sector. With access to strong markets such as Colony and Catlin, we can offer competitive solutions for both standard and hard-to-place risks. Coverage options typically include: Garage Liability Garagekeepers Legal Liability Dealers Physical Damage Premises Liability Property and Inland Marine Please note that coverage availability and structure will vary based on account details and underwriting requirements. Underwriting Notes and Minimum Premiums Our Garage Insurance markets are available on a non-admitted basis, with some admitted options based on risk and state. The minimum premium starts at $500, making this an accessible solution for smaller accounts and start-ups as well as larger, more complex operations. We work closely with brokers to understand their clients' operations and find the right market fit—whether it’s a small used car dealer or a large commercial truck repair facility. Territories and Availability IPMG’s Garage Insurance Program is currently available in Illinois and Missouri. We are focused on serving agents in these regions with localized expertise and responsive support. Why Work With IPMG? Service is a top priority for the IPMG Garage Insurance team. Our trained professionals listen to your needs and offer solutions that support your client relationships. We value the strength of local partnerships and strive to enhance your existing book while helping you develop new opportunities. With IPMG, OUR markets are YOUR markets. Let us help you write more business and grow your Garage Insurance portfolio with confidence. Contact Matt Becker Surplus Lines Practice Leader 630-485-5952 [email protected] April Cook Brokerage Service Underwriter 314-293-9702 [email protected] Frequently Asked Questions What types of accounts are a good fit for IPMG's Garage Insurance program?We target a wide range of garage risks, including auto dealers, heavy vehicle service centers, motorcycle dealers, salvage yards, and valet services. Is the program admitted or non-admitted?Some admitted markets are available, but most of our Garage Insurance business is placed through non-admitted carriers. What is the minimum premium for this program?The minimum premium starts at $500, making it suitable for both small and mid-sized accounts. Which states is the program available in?This Garage Insurance program is currently available in Illinois and Missouri. Who can I contact for underwriting questions or submissions?You can reach out to Matt Becker or April Cook at the contact details listed above for assistance with submissions or underwriting inquiries. Need help placing an account? Connect with a market specialist.

...a contractor with several service trucks that need both liability and physical...

U.S. Risk Insurance Group, Inc. partners with an A-rated carrier to offer a competitive workers' compensation market for auto service and repair operations. This program is built for agents who need flexible placement options for garages, repair shops, and mobile service providers across a broad territory. Overview of the Program The Auto Service Workers Compensation Insurance program is designed for auto service and repair risks and supports both guaranteed cost and dividend plan structures (dividend plans available in FL). U.S. Risk provides underwriting expertise, online loss runs, and practical payment options to help you place business efficiently. Ideal Accounts and Appetite Independent auto repair shops, quick lube centers, tire shops, and small fleet service operations Mobile mechanics and service providers (including limited group transportation exposures) New ventures and insureds transitioning out of PEO arrangements Examples: You might have a client who operates a two-bay repair shop with three technicians and light mobile service work, or a newer start-up tire shop seeking admitted coverage with online servicing and predictable billing. Coverage Highlights and Advantages Products: Guaranteed cost and dividend plan options (FL dividend plans) Service: Online loss runs to speed underwriting and renewals Payment plans: Direct bill and monthly self-reporting with non-working deposit Flexible underwriting for new ventures and accounts coming out of PEOs; PEO carve-outs available with required documentation Underwriting Notes and Key Restrictions $2,000 minimum premium — no stated maximum New ventures eligible Group transportation allowed but limited to no more than five employees per vehicle Lapse in coverage must be referred to underwriting No maximum experience modifier required Height and underground work limits: no more than 20 feet (approximately 2 stories) above ground and no more than 6 feet below ground 24-hour shift work exposure eligible only when it is the sole exposure PEO carve-outs: require loss history, a signed PEO/client contract and amendment, and a labor endorsement Ineligible exposures: domestic, aviation, and federal coverages; tax lien or bankruptcy Limited / Incidental / Cannot be governing state: CA, OK Territories and Availability This program is available through U.S. Risk in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. Confirm state availability and admitted/non-admitted options at submission. Why Work With U.S. Risk Insurance Group, Inc. on These Risks U.S. Risk pairs underwriting experience in the auto service niche with practical servicing tools (online loss runs and multiple payment options). The program handles common exposures for repair and mobile service shops and offers carve-out solutions for accounts leaving PEOs. Minimum premium thresholds and clear restrictions make it straightforward to determine fit quickly, helping you place eligible accounts faster. Underwriting Checklist — What to Submit Current loss runs (online loss runs accepted) Signed copy of PEO/client contract and amendment when applicable Details on any group transportation, shift work, height or underground exposures Information on lapses in coverage (refer to underwriting) Frequently Asked Questions What types of auto service accounts are a good fit for this program?Brands such as independent repair shops, quick lubes, tire shops, mobile mechanics, and small fleet service providers are a good fit — especially when exposures fall within the stated height, underground, and group transportation limits. Can I place a client coming out of a PEO?Yes. U.S. Risk accepts insureds coming out of PEOs and offers PEO carve-outs. Underwriting requires loss history, a signed PEO/client contract and amendment, and a labor endorsement. What are the payment and servicing options?Agents can offer direct bill or monthly self-reporting with a non-working deposit. Online loss runs are available to simplify underwriting and renewals. Are there minimum premiums or other submission thresholds?The program has a $2,000 minimum premium. Lapses in coverage, tax liens, or bankruptcy require referral and may make the account ineligible. Which states are excluded or restricted?The program is available in the listed states above but has limited/incidental or non-governing state restrictions for CA and OK. Confirm state availability at submission. Need help placing an account? Connect with a market specialist.

With over 170 employees and nationwide growing locations, we are evolving as a provider for innovation solutions for your Cyber Liability needs. Our coverage is available to over 30+ classes of business! Target Classes:• Advertising Agencies • Application Service providers • Authors, Publishers, Broadcasters • Consultants • Data Warehousing and Processors • Disaster Recovery • Document Management and Electronic data • Enterprise Resource Planning • Equipment Evaluation and Selection • Financial Institutions and Services • Graphic Design • Healthcare Organization • Higher Education • Hospitality • IT Providers • Internet Retailers and Providers • Law Firms • Media • Merchandising • Network Administration, Design, Analysis and Engineering • Non-Technology Businesses with Network Expenses • Outsourcing Companies • Physicians • Quality Assurance Consulting • Record Management Retrieval • Retailers • Software Developers and Providers • Staffing Agencies • System Administration and Integration • Telecommunications • Training • TV and Film Productions • Website Design and ProgrammingAvailable Coverages:• Casualty • Business Interruption • Network Security, Privacy and Operations • Computer Program and Electronic Data Restoration Expenses • Crisis Management Expenses • Digital Asset Expenses • Wrongful Acts of Third-Party Contractors • Notification and Credit Monitoring • Network Extortion • Beta testing • Mental Anguish • Cyber Extortion and Computer Fraud • Duty to Defend, including suits seeking injunctive relief • E-commerce Extortion Coverage- applies to computer viruses and denial of service attacks • Electronic and Internet Media Liability • Funds Transfer Fraud • Governmental Claims • Identity Theft • Infringement of Copyright, Slogan, Trademark or service mark • Malicious Code Coverage • Media Wrongful Acts, including defamation, invasion of privacy, infliction of emotional distress, wrongful entry, false arrest, harassment, breach of confidentiality, copyright infringement, deceptive trade practices and conspiracy • Plagiarism or unauthorized use of a literary or artistic format, character or performance • Privacy Liability • Security Breach Remediation and Notification Expense • Unauthorized Access/UseIn addition to our Cyber Liability coverages, we also offer additional features that may provide more benefits to your client. Additional Program Features Include:• Admitted and Non Admitted Carriers • Occurrence and Claims-made coverage available • Limits up to $25 million • Acts of a rogue employee causing intentional damage to the insured’s computer network • Broad definition of covered material includes material in any form of expression, whether electronic or in print • Broad definition of professional services • Defense expenses within or in addition to the limits • Network security definition includes coverage for unauthorized release of confidential or proprietary business informationOur internal team of specialists are here to answer any questions you and your client have when it come to your Cyber Liability needs. Please let us know how we can assist!