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...This program is built for private schools and public/private colleges that fac...od fit for this program?Private K-12 schools, independent boarding schools, colleges, and vocational institu...

...perators with permanently mounted cooking or refrigeration equipment and those...

...referred. Operations with on-site cooking, delivery, and custom baking service...

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.

...s and sandwich shops with limited cooking operations Franchise pizza opera...ot exceed limits on alcohol sales or cooking methods. Both delivery and non-de...

Amwins Program Underwriters' Water Well Contractors insurance program offers tailored coverage designed for commercial and residential water well drillers, suppliers, and manufacturers. Overview — Amwins Underwriting Water Well Contractors Program Amwins Underwriting provides a focused Managing General Agency program for water well and ground water contractors. Underwritten through Markel, this program is built for contractors whose core operations include drilling, servicing, pump installation and repair, and geotechnical/environmental drilling performed at the direction of an engineer or consultant. The program’s coverages are designed to address the specialized equipment, autos, and liability exposures common to the trade. Ideal Accounts and Appetite Water and geothermal well drilling and servicing contractors Ground water pump installation, service and repair contractors Geotechnical and environmental drillers performing core sampling and work under engineer or consultant direction Accounts with standard well-drilling operations, owned rigs and equipment, and routine service/repair work are good fits. The program is not intended for oil & gas operations, construction piling/underpinning drilling, or cathodic protection drilling. Ineligible Operations (Examples) Any operations performed for oil and gas companies or on oil and gas lease land, pipeline right-of-way, or refineries Construction drilling related to piling or underpinning Drilling for cathodic protection Coverage Highlights and Advantages Property — buildings, owned equipment and business property General liability — tailored to drilling exposures Automobile — commercial auto exposure for service fleets and transport vehicles Inland Marine — rigs, drills, pumps and contractor’s equipment schedules Umbrella — excess limits to broaden liability capacity Down-the-hole coverage — for tools and equipment used in boreholes Loss of income for damaged equipment — to help cover income interruption while key rigs or equipment are repaired The program pairs industry-focused underwriting with coverage forms suited to contractors who operate mobile rigs and heavy equipment, helping agents place accounts that might be difficult in a standard commercial market. Underwriting Notes & Submission Requirements Underwriting is equipment- and operations-driven. Provide complete details on rigs, vehicles, and the scope of drilling activities to get an accurate assessment. Required submission materials: Completed industry standard applications, signed by the insured, including detailed property information (construction, occupancy, square footage and age) Water Well Contractors Supplemental Questionnaire, signed by the insured Five years of recently valued company loss runs Updated driver information Expiring premiums and target premiums for all lines of coverage Federal Employer Identification Number (FEIN) Complete vehicle identification numbers (VIN) RIG schedule Please send submissions to: [email protected] Territories and Admitted Status The program is available in all states except New York and Cook County, Illinois. Admitted placement is available in the states where the program is admitted; contact underwriting for state-specific admitted/non-admitted guidance. Why Work With Amwins Underwriting on Water Well Contractors Specialized underwriting through an MGA with deep contractor knowledge and a dedicated program for drilling exposures. Access to Markel paper and forms suited to mobile rigs, equipment schedules, and down-the-hole exposures. Practical submission checklist that speeds underwriting review when fully completed. Agent scenarios — when this program fits You have a mid-sized residential well driller that owns multiple rigs and a service fleet — the program can package property, inland marine for rigs, commercial auto and general liability. You represent a geotechnical driller performing core sampling under engineer contracts — the program’s appetite for environmental and geotechnical drilling (when performed under engineer/consultant direction) may allow placement when standard markets are hesitant. Frequently Asked Questions What types of water well contractors are a good fit for this program?The program targets water and geothermal well drillers, pump installation and repair contractors, and geotechnical/environmental drillers working under engineer or consultant direction. It’s best for contractors with owned rigs and equipment and routine drilling/service operations. Which operations are excluded from the program?Operations for oil & gas companies or on oil/gas lease land, pipeline right-of-way and refinery operations, construction piling and underpinning drilling, and cathodic protection drilling are not eligible. What submission materials will speed underwriting?Provide completed applications and the program supplemental questionnaire signed by the insured, five years of recently valued loss runs, a complete rig schedule, vehicle VINs, updated driver lists, FEIN, and expiring/target premiums for all lines. Is the program available nationwide?The program is available broadly but excludes New York and Cook County, Illinois. Check with Amwins Underwriting for any state-specific admitted vs. non-admitted placement guidance. Need help placing an account? Connect with a market specialist.

Roofing Contractors Insurance Program Amwins Program Underwriters offers a roofing contractors program tailored for residential and commercial roofers. The program is placed with an "A" rated carrier and is available in nearly every state (not offered in Hawaii, New York State, or Cook County, IL). It is structured for accounts needing broader roofing-specific terms, flexibility on subcontracting, and higher-limit excess/umbrella capacity. Overview of the Program From Amwins Underwriting This program targets roofing contractors of varying sizes and operations. It is designed to address common roofing exposures—slips and falls, property damage from rooftop work, fire damage from hot-tar/torch operations, and pollution liabilities from roofing materials. Coverage is underwritten with experienced roofers’ exposures in mind and offers options that reflect the operational realities of modern roofing contractors. Ideal Accounts and Appetite Residential and commercial roofing contractors Accounts that perform hot-tar or torch-down work (will be considered) Companies that regularly use subcontractors—no set limit on subcontracted work Roofing operations with clear risk controls, documented safety programs, and loss histories consistent with industry norms Not a good fit: businesses outside roofing specialties, accounts with repeated large loss histories without remediation, or risks located in the three excluded territories noted above. Coverage Highlights and Advantages General Liability limits: $1M per occurrence / $2M aggregate Excess/Umbrella: $5M in-house authority; higher limits available Per-project (per job) aggregate available Fire Damage Legal Liability and Medical Payments Contractors Pollution Legal Liability included as an option Drone coverage available for inspections Additional Insured and Waiver of Subrogation options (automatic or scheduled as required by contract) Primary / Non-contributory wording available Underwriting Notes and Minimum Premium Minimum premiums start at $10,000. Standard submissions should include a completed industry application, the Roofing Contractors supplemental application, and five years of loss runs (valued within the past 90 days) with details on any losses over $10,000. Firms in business less than five years should include owner(s) resumes. Underwriters will evaluate operations, safety programs, subcontractor controls, and any hot-tar/torch operations. Program Extensions Available Additional Insured (Automatic or Scheduled) Waiver of Subrogation (as required by written contract) Per Job Aggregate Employee Benefits Liability Primary / Non-Contributory wording No limitation on amount of subcontracted work Drone coverage for inspection operations Territories and Availability The program is available in nearly every state across the country except Hawaii, New York State, and Cook County, IL. For specific binding authority, state-by-state filings, and any admitted/non-admitted considerations, consult Amwins underwriting guidelines and state availability when placing business. Why Work With Amwins Underwriting on Roofing Business Specialized underwriting with experience in roofing exposures and contractual requirements. Access to higher-limit excess/umbrella capacity with in-house authority. Flexible appetite for subcontracting and hot-tar/torch operations when properly managed. Program extensions geared to common GC/owner contract requirements (AI, waiver of subrogation, primary wording). Example Account Scenarios A regional commercial roofer seeking a $1M/$2M GL program plus a $5M umbrella and primary/non-contributory wording to satisfy general contractor contracts. A residential roofing contractor who performs torch-down repairs on flat roofs and needs contractors pollution liability and fire damage legal liability included in the program. Submission Requirements (summary) Industry standard application Roofing Contractors supplemental application Loss runs — five years, valued within the past 90 days; include details for losses > $10,000 Resumes for owners if the firm has been in business less than five years Frequently Asked Questions What types of roofing accounts are the best fit for this Amwins program?The program is best for residential and commercial roofing contractors that have formal safety programs, manageable loss histories, and may need contractual endorsements (additional insured, waiver of subrogation, primary wording). Hot-tar and torch-down work can be considered when properly documented. Is there a minimum premium and how is capacity provided?Minimum premiums start at $10,000. The program offers General Liability at typical roofing limits ($1M/$2M) and in-house excess/umbrella authority beginning at $5M, with higher limits available subject to underwriting approval. Are there restrictions on subcontracted work?No—this program does not impose a limitation on the amount of subcontracted work. Underwriters will, however, review subcontractor controls and contractual relationships as part of the submission. What documentation do I need to submit to get a quote?Provide a completed industry application, the Roofing Contractors supplemental application, five years of loss runs (valued within 90 days) with details on losses over $10,000, and owner resumes for firms with less than five years in business. Need help placing an account? Connect with a market specialist.

Home Inspector Insurance Program Insurance Program Managers Group (IPMG) offers a focused Home Inspector Insurance Program designed to address the specific liability exposures faced by professional home inspectors. Written as a package policy, the program combines Professional Liability (Errors & Omissions) and General Liability to help protect your clients from allegations of negligent acts, errors, or omissions arising from residential or light commercial property inspections. Mono-line Professional Liability (E&O) is not available — General Liability must be included. Ideal Accounts and Appetite This program is a strong fit for experienced individual inspectors and established inspection firms offering a broad range of services. Typical eligible operations include: Wood-destroying insect or organism inspections Pool and spa inspections Water and septic system testing Carbon monoxide testing (including cracked heat exchangers) New construction inspections, code compliance reviews, radon testing, mold evaluations, and lead-based paint assessments Inspectors who transitioned from the construction trades may be considered if they can demonstrate at least three years of relevant construction experience. Applicants should generally be experienced in the services they provide and use standard, written inspection contracts. Coverage Highlights and Advantages IPMG’s Home Inspector Insurance Program provides comprehensive, flexible options to meet common agent and insured needs: Professional Liability (E&O) – Claims-made basis with limits available up to $1,000,000 General Liability – Occurrence-based coverage required as part of the package Blanket Additional Insured – Available for referral agents where needed SIR (Self-Insured Retention) – Options start as low as $1,000 Supplemental Tail – Offered for extended reporting when eligible Prior Acts Coverage – Available for qualifying risks Underwriting Notes and Minimum Premiums To obtain a quote, submissions must include complete documentation: Signed and completed application (required even for underwriting/quote) Company brochure or website page describing services Three years of loss history Copy of the standard inspection contract used by the applicant Proof of membership in a recognized industry association (for example NACHI, ASHI, NAHI) Proof of passing a state or national inspection exam The program’s minimum premium starts at $750. Underwriters may request additional documentation depending on the scope of services, limits, and risk characteristics. Territories and Availability This program is available on a non-admitted basis in Florida (FL), Illinois (IL), and Missouri (MO). Coverage is underwritten through Penn America Group. Why Work With IPMG? As a Managing General Agency and Excess & Surplus Lines broker, IPMG brings niche underwriting expertise for inspection and inspection-adjacent exposures. Agents benefit from IPMG’s: Direct access to a specialized E&S market (Penn America Group) for harder-to-place inspection risks Underwriting teams experienced in inspection services and contract wording Flexible options for SIRs, supplemental tail, and prior acts where appropriate Streamlined submission requirements that make quoting more efficient for producers Example scenarios you can place through this program: You have a sole proprietor who performs residential inspections, radon testing, and pool inspections and needs a combined E&O/GL package with a modest SIR. You represent a small inspection firm whose principal has a construction background and three years of documented construction experience; they offer new construction and code compliance inspections and require limits up to $1M. IPMG is positioned to help agents place these types of accounts with tailored terms and a focus on inspection-specific exposures. Frequently Asked Questions What types of accounts are a good fit for this program?Experienced individual home inspectors or inspection firms offering residential or light commercial services are ideal. Applicants with relevant construction backgrounds may also qualify. Is mono-line E&O coverage available?No. This program is offered only as a package that includes both Professional Liability (E&O) and General Liability. What documentation is required to submit a quote?A signed application, a brochure or website detailing services, three years of loss history, a standard inspection contract, and proof of association membership and exam completion are required. What states is the program available in?This program is available on a non-admitted basis in Florida, Illinois, and Missouri. What is the minimum premium for this coverage?The minimum premium begins at $750; final pricing depends on underwriting, limits, and the insured’s loss history. Need help placing an account? Connect with a market specialist.