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...nagers Group) offers a specialized Crime Coverage Insurance program that helps...icy be written as excess over another crime policy?Yes. IPMG can provide both ...

...kers Compensation Insurance for Automotive Body Repair Shops Insurance Progr... program?This program is ideal for automotive body repair shops, including col...

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IPMG offers you the EXPERTISE and the SERVICE you have been looking for! Our carriers offer competitive pricing for welders insurance — ideal for one-person shops and small welding operations. Coverage is available whether welding is performed at the insured’s location or off-site. Welders Insurance Program from IPMG Insurance Program Managers Group (IPMG) provides brokers and agents access to a specialized Welders Insurance program designed for small to mid-sized welding and metal fabrication operations. Working with “A”-rated E&S carriers, IPMG delivers flexible, non-admitted solutions in Florida, Illinois, and Missouri backed by experienced underwriting and responsive brokerage service. Ideal Accounts and Target Classes This program fits a broad range of welding-related trades, especially mobile and on-site operations. Typical classes we place include: Repair of farm or factory equipment, machinery, and miscellaneous equipment Trailer hitch fabrication and repair (up to 25% of operations) Installation of handrails, stair rails, and balcony railings Metal erection and metal goods manufacturing Auto and truck body/frame welding, including bumpers Conveyor system repairs Man lift and lift truck maintenance Logging equipment repair Work on window guards, bars, and similar security fixtures IPMG is a good fit for clients working in agricultural, industrial, and light commercial settings, including single-operator shops and small crews that perform both shop-based and off-site work. Coverage Highlights and Advantages Access to experienced, “A”-rated E&S carriers for risks that may not fit admitted markets Coverage for both shop and mobile/on-site welding operations Competitive pricing geared toward small operators and one-person shops Underwriters and brokerage staff with hands-on knowledge of welding exposures Quick, practical underwriting decisions when submissions include required documentation Underwriting Notes and Minimum Premiums The program requires a completed ACORD application plus a supplemental welders application for full underwriting review. Minimum premium starts at $1,000. IPMG’s underwriters evaluate operations by class mix, payroll, revenue, mobile exposures, and loss history; they can often structure terms to address common welding exposures when the risk profile is clear. Typical Appetite and Common Restrictions What typically fits: Small fabrication shops and mobile welder accounts with limited hot work exposure controls Accounts where welding is a primary operation or a substantial portion of the business What may not fit or will require special handling: Large scale structural steel erectors or heavy industrial contractors with significant site risk Accounts with poor loss history, inadequate hot work procedures, or large subcontractor exposures Territories and Availability This program is offered on a non-admitted basis in Florida, Illinois, and Missouri. IPMG works with appointed agents in those states to place accounts efficiently and to find appropriate carrier capacity. Why Work With IPMG? As a Managing General Agency and E&S broker, IPMG brings decades of specialty placement experience. Agents benefit from direct access to underwriting decision-makers, pragmatic risk acceptance, and a service-oriented team that understands welders’ unique operations. IPMG helps place accounts that need tailored terms outside standard admitted market appetite. Example Account Scenarios You have a client who runs a one-person mobile welding service repairing farm equipment and installing handrails at residential and commercial sites — this program can provide general liability and equipment coverage with competitive terms. You represent a small shop that fabricates light metal goods and performs occasional trailer hitch work (under 25% of operations) — IPMG can evaluate class mix and offer appropriate coverage on an E&S basis in the program states. Contact our team today to discuss placement strategies and the documentation needed for fast underwriting decisions: Barbara Commings Florida Branch Manager (855) 377-4764 [email protected] Leona Greeves VP Brokerage Services (314) 293-9705 [email protected] Matt Becker Surplus Lines Practice Leader (630) 485-5952 [email protected] April Cook Brokerage Services Underwriter (314) 293-9702 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small welding operations, including mobile welders and those working on farm equipment, handrails, metal goods, or light auto/truck body repair. Is off-site welding work covered under this program?Yes. The program provides coverage for welding performed both at the insured’s shop and at off-site locations, subject to underwriting review of the exposure. What documentation is required to submit a risk?A completed ACORD application and a supplemental welders application are required. Include details on operations, percentage of mobile work, any hot-work controls, payroll or sales, and recent loss history to speed the review. What states is this program available in?The Welders Insurance program is currently available on a non-admitted basis in Florida, Illinois, and Missouri. What is the minimum premium for this program?Minimum premium starts at $1,000, depending on the risk characteristics and underwriting evaluation. Need help placing an account? Connect with a market specialist.

...ost or actual cash value Crime Coverage Theft of money an... Does this program include crime coverage? Yes. Crime coverage options include theft of ...

...ls, Chemicals, Medical Devices, Automotive Parts, Toys, Sporting Goods, and Ra...stries like food, medical devices, automotive parts, toys, and chemicals. Can ...

Vacant Building Insurance IPMG offers a flexible and reliable solution for agents and brokers seeking coverage for vacant properties. Whether your client owns a residential property awaiting renovation or a commercial building between tenants, our Vacant Building Insurance program provides the protection needed to manage these unique exposures. Overview of the Program From IPMG IPMG (Insurance Program Managers Group) brings specialized markets for hard-to-place risks like vacant buildings. With access to A-rated non-admitted carriers, we help agents secure quality protection for property owners who may not qualify for standard insurance due to vacancy status. We offer responsive service and underwriting expertise for vacant risks in select states. Ideal Accounts and Appetite Our program is designed for a wide range of vacant properties, including: Residential dwellings between tenants or undergoing minor renovations Commercial buildings temporarily unoccupied but maintained Properties awaiting sale or redevelopment We can consider risks with responsible ownership and a clear plan for occupancy or sale. Properties undergoing major structural changes or with severe deferred maintenance may not qualify. Coverage Highlights and Advantages We offer comprehensive options, including: Property coverage with Replacement Cost or Actual Cash Value, depending on eligibility Special Form available on qualified risks General Liability coverage to protect against third-party claims Builder’s Risk coverage when applicable Various deductible options to fit your client’s budget There are no Total Insured Value (TIV) restrictions, allowing flexibility for small to mid-size vacant buildings. Underwriting Notes and Minimum Premiums Minimum premiums range from $500 to $750 per line of coverage, depending on the risk profile. We write on non-admitted paper through A-rated carriers, giving us more flexibility in underwriting and pricing. We aim for quick turnaround and competitive terms on qualified submissions. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Missouri (MO) Indiana (IN) Iowa (IA) If you operate in one of these states and have a vacant property risk that doesn’t fit the standard market, we encourage you to reach out. Why Work With IPMG on Vacant Building Risks? IPMG has a strong reputation for delivering flexible programs backed by experienced underwriting and top-tier carrier access. We understand the challenges agents face when placing vacant property coverage and provide the tools to help you serve your insureds efficiently. Our team is committed to helping you find the right fit for your clients—whether they own a vacant retail storefront or a single-family rental between tenants. Contact IPMG today for all your Vacant Building Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and commercial buildings that are temporarily vacant due to tenant turnover, pending sale, or light renovations. Can I submit a property that is undergoing renovations?Yes, properties with minor or cosmetic renovations are eligible. For major structural changes, builder’s risk coverage may be more appropriate and subject to underwriting. Is there a limit on the building value or TIV?No, there are no Total Insured Value (TIV) restrictions. We can accommodate a wide range of property values based on underwriting review. What states is this program available in?We currently offer this vacant building insurance program in Florida, Illinois, Missouri, Indiana, and Iowa. What kind of carriers are used for this program?We work with A-rated non-admitted carriers to provide flexible, high-quality options for vacant property risks. 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.

Privacy Protection and Data Breach Coverage from Insurance Program Managers Group (IPMG) IPMG provides access to specialist markets for Privacy Protection and Data Breach insurance tailored for a wide range of commercial risks. This program is designed for agents who need flexible cyber and privacy solutions — from small professional firms to mid-sized retailers and service providers — backed by carriers experienced in handling breach response, liability, and cyber business interruption. Ideal Accounts and Appetite This program is a strong fit for agents placing accounts in the following classes: Professional services: lawyers, accountants, independent insurance agents, consultants and other firms that handle client information. Retail merchants and e-commerce businesses that accept payment cards or store customer records. Education organizations: private schools, tutoring centers, and training providers. Financial services firms and advisers with sensitive client data. Hospitality, restaurants and food service operations with POS systems and guest records. Health and medical practitioners and ancillary healthcare services. IPMG can consider many other classes — if you have an account with customer data, payment processing, or third-party hosted systems exposure, it may be eligible. Coverage Highlights and Advantages Privacy Protection and Data Breach Cost coverage to respond to regulatory inquiries, notification, credit monitoring and forensics. Multimedia liability to address content- and media-related exposures. Cyber Business Interruption and Hacker Damage for income loss and system repair after an attack. Cyber Extortion and crisis-management response for ransom events and negotiation costs. Policy limits available up to $10,000,000, with flexible limit structures to match client needs. Underwriting Notes and Minimum Premiums Typical submission requirements will include a description of operations, revenue, prior incidents, and information security practices (e.g., firewalls, backups, MFA where used). The program can underwrite first-time buyers as well as renewal placements; appetite and pricing will reflect sector, revenue, and controls in place. Minimum premium: $625. Higher limits, complex accounts, or accounts with material prior incidents may require additional underwriting detail and higher premiums. Territories and Availability This program is available in the following states: FL, GA, IL, IN, IA, MO. Availability may vary by carrier and risk characteristics, so please submit details early for confirmation. Why Work With IPMG on Privacy & Breach Risks Market access: IPMG places these risks with carriers that specialize in privacy and cyber exposures. Flexibility: options for standalone cyber/privacy coverage or packaged solutions to address multimedia, extortion and business interruption. Responsiveness: tailored submissions and underwriting guidance to help you place accounts that might otherwise be hard to bind. Example Account Scenarios A regional dental practice that stores patient records electronically and wants breach response, regulatory defense, and business interruption coverage. An independent CPA firm that handles tax returns for hundreds of clients and requires privacy liability and cyber extortion protection. Contact IPMG for a quote and to discuss the best market placement for your client’s exposure. Provide revenue, a summary of data handled, security controls, and any prior cyber incidents to expedite review. Frequently Asked Questions What types of accounts are a good fit for IPMG’s Privacy Protection and Data Breach program?Accounts that handle customer or client data, payment information, or proprietary business information — especially small to mid-size professional services firms, retailers, restaurants, education providers, and healthcare practitioners — are a good fit. IPMG can also consider other industries with similar exposures. What coverage components can I expect to place through this program?The program can provide privacy protection, data breach response costs, multimedia liability, cyber business interruption, hacker damage, and cyber extortion. Limits are available up to $10M depending on the carrier and risk. What are the typical underwriting requirements?Underwriters typically ask for a description of operations, annual revenue, details on the types of data stored or processed, security controls (e.g., backups, firewalls, MFA), and history of prior incidents. More complex risks may require additional documentation. Are there state restrictions or minimum premiums?The program is available in FL, GA, IL, IN, IA and MO. The stated minimum premium is $625; actual premium depends on class, revenue, limits, and underwriting factors. Need help placing an account? Connect with a market specialist.