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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.

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Get your profits in shape with Cochrane & Company’s Exercise, Health Studio and Personal Trainer Insurance program. Designed specifically for fitness-related businesses, this program is backed by carriers rated A+ XV by AM Best and offers robust protection for a variety of health and wellness operations. Ideal Accounts and Appetite This program is a strong fit for a broad range of fitness and wellness businesses. Whether your client runs a boutique yoga studio or a full-service gym, Cochrane & Company offers tailored coverage options that meet their unique risks. Eligible classes include: Exercise Equipment Clubs Aerobic and Dance Studios Weight Lifting Gyms Personal Trainers Pilates, Yoga, and Tai Chi Studios Massage Parlors and Masseuses Physical Therapists and Swim Instructors Childcare services offered to club members while on premises are also included in the coverage scope. Coverage Highlights and Advantages This program offers a comprehensive suite of liability and property coverages to help your insureds manage the exposures that come with running a fitness facility. Key coverage features include: General Liability Limits up to $3,000,000 Occurrence/Aggregate Liquor Liability Hired and Non-Owned Auto Liability Excess/Umbrella Limits up to $25,000,000 No Deductible Required Included coverages at no additional cost: Medical Payments Coverage - $5,000 Limit Blanket Additional Insured Endorsement Club Members Automatically Included as Additional Insureds Errors and Omissions Coverage up to Policy Limits Sexual and Physical Abuse Coverage - $25,000 per claim / $50,000 Aggregate (higher limits available) Property Coverage Options Building and Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Equipment Breakdown and Food Spoilage Inland Marine, Valuable Papers, Accounts Receivable Computer Equipment and Outside Signs Crime Coverage Options Inside the Premises (Theft of Money and Securities, Robbery, Safe Burglary) Outside the Premises Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business and coverage selected. Cochrane & Company works with a variety of markets and offers flexible options to meet a wide range of client needs. This program is written on a non-admitted basis. Territories and Availability This program is available for risks located in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Why Work With Cochrane & Company As a trusted Managing General Agency, Cochrane & Company brings deep expertise in specialty insurance programs. With access to top-rated carriers and a broad underwriting appetite, they provide insurance agents and brokers with the tools to confidently place fitness and wellness accounts. You can expect responsive service, flexible underwriting, and competitive coverage options tailored to fit today’s evolving health and fitness industry. Have questions about the Exercise, Health Studio and Personal Trainer Insurance program? Please feel free to contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for exercise equipment clubs, yoga and Pilates studios, personal trainers, massage parlors, and other health and wellness facilities. Is childcare coverage included?Yes, childcare services provided for club members while on the premises are included in the coverage. What is the maximum liability limit available?The program offers primary liability limits up to $3,000,000 occurrence/aggregate, with excess or umbrella options up to $25,000,000. Do you require a deductible?No, this program does not require a deductible for general liability coverage. Which states is this program available in?This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Need help placing an account? Connect with a market specialist.

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