Search CompleteMarkets

...r no permanent structure, minimal cooking exposures (or controlled cooking methods), and operations conducted i... the program cover food vendors with cooking equipment?Limited cooking exposures may be acceptable, depe...

...ety controls (fire suppression in cooking areas), and prior loss history. ...

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

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.

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

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.