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The IPMG Garage Insurance Program is designed with independent agents in mind. We understand the unique challenges you face when placing Garage risks, and our specialized team is here to support you every step of the way. Whether you're working with established clients or pursuing new business, our program offers the flexible underwriting, competitive markets, and expert service you need to succeed. Ideal Accounts and Appetite IPMG provides access to markets that can handle a wide range of garage-related operations. Our appetite includes, but is not limited to: Dealers Open Lot Heavy Vehicle Sales and Service Motorcycle and Off-Road Vehicle Dealers Salvage Yards Valet Parking Services If you're working with clients in these industries, we have the tools and carrier partnerships to help you place that business effectively. Coverage Highlights and Advantages Our Garage Insurance Program provides a broad range of coverages tailored to meet the risks of the automotive service and sales sector. With access to strong markets such as Colony and Catlin, we can offer competitive solutions for both standard and hard-to-place risks. Coverage options typically include: Garage Liability Garagekeepers Legal Liability Dealers Physical Damage Premises Liability Property and Inland Marine Please note that coverage availability and structure will vary based on account details and underwriting requirements. Underwriting Notes and Minimum Premiums Our Garage Insurance markets are available on a non-admitted basis, with some admitted options based on risk and state. The minimum premium starts at $500, making this an accessible solution for smaller accounts and start-ups as well as larger, more complex operations. We work closely with brokers to understand their clients' operations and find the right market fit—whether it’s a small used car dealer or a large commercial truck repair facility. Territories and Availability IPMG’s Garage Insurance Program is currently available in Illinois and Missouri. We are focused on serving agents in these regions with localized expertise and responsive support. Why Work With IPMG? Service is a top priority for the IPMG Garage Insurance team. Our trained professionals listen to your needs and offer solutions that support your client relationships. We value the strength of local partnerships and strive to enhance your existing book while helping you develop new opportunities. With IPMG, OUR markets are YOUR markets. Let us help you write more business and grow your Garage Insurance portfolio with confidence. Contact Matt Becker Surplus Lines Practice Leader 630-485-5952 [email protected] April Cook Brokerage Service Underwriter 314-293-9702 [email protected] Frequently Asked Questions What types of accounts are a good fit for IPMG's Garage Insurance program?We target a wide range of garage risks, including auto dealers, heavy vehicle service centers, motorcycle dealers, salvage yards, and valet services. Is the program admitted or non-admitted?Some admitted markets are available, but most of our Garage Insurance business is placed through non-admitted carriers. What is the minimum premium for this program?The minimum premium starts at $500, making it suitable for both small and mid-sized accounts. Which states is the program available in?This Garage Insurance program is currently available in Illinois and Missouri. Who can I contact for underwriting questions or submissions?You can reach out to Matt Becker or April Cook at the contact details listed above for assistance with submissions or underwriting inquiries. 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.