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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...

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

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

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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.

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.

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...dling exposures: note any on-site cooking, catering or hot-food service, refri...

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.