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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. Program Highlights and Value-Added Services Access to multiple A-rated carriers (admitted and non-admitted where available) Minimum premiums starting around $500, with capacity for accounts sized to $1M+ Same-day quoting available on many classes when you supply a complete submission Wide range of eligible class codes and flexible underwriting for complex risks Markets that will consider high-mod and otherwise challenging accounts Monthly reporting and other policy servicing options Competitive commissions for agents Additional risk management services available to help control losses and improve safety 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. Frequently Asked Questions 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. Need help placing an account? Connect with a market specialist.

Animal Handlers Insurance Insurance Program Managers Group (IPMG) offers markets for properly licensed private-practice facilities that specialize in the handling and care of domestic animals. This program is designed for non-veterinary operations that provide routine animal services, including: Pet grooming, pet sitting, dog walking, and boarding Training services — obedience, service/seeing-eye, personal assistance animal training, etc. Dispensing medication strictly per the owner’s written instructions Any establishment whose operations are primarily engaged in the treatment or diagnosis of animals (veterinary practices) should be submitted to veterinary-specific markets; those risks are excluded from this program. Overview of the Program from IPMG IPMG places Animal Handlers accounts with A-rated carriers on predominantly non-admitted paper, with admitted paper available in select states. Coverage options include commercial general liability and property, along with a specialized Animal Handlers Professional Liability endorsement to address exposures unique to animal care and handling. Ideal Accounts and Appetite Good fits for this program include small to mid-size, properly licensed businesses such as: Independent grooming salons and mobile groomers (no surgical or medical procedures) Professional pet sitters and dog walkers Boarding facilities that do not perform veterinary treatment Professional trainers providing obedience and assistance-animal training (non-medical) Typical restrictions: operations that diagnose or treat animals, perform surgeries, or operate as a veterinary clinic should be placed elsewhere. High-risk boarding with uncontrolled pack play, dogfight involvement, or unlicensed breeding operations are generally not eligible. Coverage Highlights and Advantages Commercial General Liability and Property coverages available Animal Handlers Professional Liability endorsement to address handling-related claims Placement with A-rated markets for stability and claims handling Flexibility for a range of routine animal-care businesses when properly licensed Underwriting Notes and Minimum Premiums Underwriting focuses on licensing, operational controls, staff training, animal temperament screening, and clear client instructions for medication dispensing. Be prepared to provide loss history, sample client waiver/consent forms, and details on on-site animal supervision. Minimum Premium: $500–$750 per line of coverage (varies by state and submission). Territories and Availability This program is available in: FL, IA, IL, IN, MO. IPMG generally places coverage on non-admitted paper with A-rated carriers; admitted paper may be available in some states. Confirm availability for the insured’s state before submission. Why Work With IPMG on Animal Handlers Business IPMG provides targeted underwriting for routine animal-handling exposures and access to A-rated markets that understand the specific risks of grooming, sitting, training, and boarding operations. The program balances tailored coverage (including professional liability for handlers) with practical pricing for small business clients. Example Accounts You might have a client who operates a licensed grooming salon with trained staff, written consent forms for medication dispensing, and no surgical procedures — this is a good fit. You might also place a professional dog walker with multiple employees who follows documented safety protocols and maintains client waivers. Contact IPMG today for submissions and questions about placing Animal Handlers Insurance: 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 IPMG’s Animal Handlers program?Small to mid-size licensed businesses that handle domestic animals without providing veterinary diagnosis or treatment — for example, groomers, sitters/walkers, trainers, and boarding facilities that follow written client instructions. What coverages are available through this program?Commercial general liability and property coverages are available, plus an Animal Handlers Professional Liability endorsement to address handling-related professional exposures. Which states are eligible and is coverage admitted or non-admitted?The program is available in FL, IA, IL, IN, and MO. IPMG places with A-rated carriers primarily on non-admitted paper; admitted options may be available in certain states — confirm at submission. What underwriting information should I include with a submission?Include proof of licensing, description of operations and services, loss history, sample client consent/waiver forms, staff training procedures, and controls for medication dispensing and animal supervision. Are veterinary clinics or practices eligible?No. Any operation primarily engaged in the diagnosis or treatment of animals should be submitted to veterinary markets; they are not eligible for this Animal Handlers program. 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.