Search CompleteMarkets

...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...

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.

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.