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Workers Compensation Solutions for Automotive Dealerships Insurance Program Managers Group (IPMG) offers a Workers Compensation program built specifically for new and used automotive dealerships. Whether your client runs a single-location franchise, an independent used-car lot, or a multi-state dealer group, IPMG provides underwriting expertise, access to multiple carriers, and hands-on service to help you place these accounts confidently. Ideal Accounts and Appetite This program fits a wide range of dealership operations, including franchised and independent dealers selling new or used vehicles. IPMG accepts both established businesses and start-ups, making the program useful for agents working with growing or recently formed dealers. Target classes include: New car dealerships Used car lots Buy-here-pay-here dealerships Dealers with service, repair, or detailing operations in-house IPMG can also consider accounts with elevated experience modification ratings by placing through multiple markets and loss-sensitive options. Example scenarios that typically fit: a three-location independent dealer with an in-house service bay and detail shop, or a start-up buy-here-pay-here lot with limited loss history seeking an affordable initial placement. Coverage Highlights and Advantages IPMG focuses on flexible Workers Compensation solutions backed by carriers rated A- or better. The program emphasizes market choice and practical placement options to match a dealer’s operations and loss profile. Low minimum premium — starting at $500 in most states Access to multiple admitted and non-admitted markets for competitive pricing Options for high-mod and loss-sensitive accounts Underwriting that supports businesses with limited operating history Underwriting Requirements and Submission Guidelines To speed quoting, include the following with your submission: Completed ACORD application with a clear description of operations Currently valued loss runs (if available) Current experience modification rating (if applicable) For start-ups or accounts with limited history, provide any payroll estimates and a description of on-site exposures (service bays, parts operations, detailing). Submissions are reviewed promptly and IPMG’s underwriters will work with you on attachments and market selection to fit the risk. Territories and Availability This Workers Compensation program is available in most states. IPMG writes in over 40 states, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MS, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV and DC. Placement may be admitted or non-admitted depending on state rules and the specific risk. Why Work With IPMG? As a wholesale broker focused on Workers Compensation, IPMG combines specialized underwriting, broad carrier access, and a service-first approach. You benefit from tailored placement strategies, responsive claims partners, and support through binding and renewal to help retain clients. Whether you are submitting a seasoned dealership with an established loss history or helping a start-up with limited data, IPMG can help you find competitive premium and an appropriate market. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is ideal for new and used automotive dealerships, including franchised and independent operations, and for dealers that operate service, repair, or detailing departments alongside sales. Can start-up dealerships qualify for coverage?Yes. IPMG accepts start-up operations; provide a clear description of operations and any payroll estimates to help underwriters place the account. What is the minimum premium for this program?The program’s minimum premium typically starts at $500 in most states, making it accessible for smaller or newer dealerships. Are accounts with high experience mods considered?Yes. IPMG works with multiple markets and can consider accounts with higher experience modification factors, including loss-sensitive options where appropriate. What documents are required for a submission?Submit a completed ACORD application with a description of operations, currently valued loss runs if available, and the current experience modification rating if applicable. Need help placing an account? Connect with a market specialist.

For more than 15 years, Insurance Program Managers Group (IPMG) has served as a trusted wholesale broker for agents and brokers placing Workers Compensation Insurance. With deep underwriting experience across a wide range of industries and access to multiple A-rated carriers (admitted and non-admitted as available), IPMG helps you secure competitive, tailored coverage for clients with routine and more challenging exposures. Ideal Accounts and Target Industries IPMG has the underwriting expertise and market access to handle a broad spectrum of Workers Compensation classes. Our appetite includes, but is not limited to: Contractors and construction-related businesses Healthcare providers and facilities Manufacturing operations Auto dealerships and service centers Trucking and transportation firms We routinely consider accounts with elevated experience modification factors, complex loss histories, and other loss-challenged characteristics that can be difficult to place in standard markets. Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses—IPMG can compile submissions to multiple carriers and help you explore competitive placement options while addressing underwriting questions up front. Program Highlights and Value-Added Services Access to multiple A-rated carriers (admitted and non-admitted where available) Minimum premiums starting around $500, with capacity for accounts sized to $1M+ Same-day quoting available on many classes when you supply a complete submission Wide range of eligible class codes and flexible underwriting for complex risks Markets that will consider high-mod and otherwise challenging accounts Monthly reporting and other policy servicing options Competitive commissions for agents Additional risk management services available to help control losses and improve safety Submission Requirements To help us deliver fast, accurate indications and bindable quotes, include the following with your submission: Completed ACORD application with a clear description of operations 3–5 years of currently valued loss runs Current experience modification rating (if applicable) Providing clear payroll breakdowns and a summary of any loss control efforts or return-to-work programs will improve placement results. Territories and Availability IPMG offers Workers Compensation solutions in most U.S. states. We are actively writing business in over 45 states and Washington, DC, including: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, DC. Carrier availability and program structure may vary by state. Why Partner With IPMG? IPMG focuses on getting difficult and standard Workers Compensation accounts placed quickly and competitively. Our team provides responsive underwriting, broad broker relationships, and workflow support so you can win new business and retain clients. We combine market access with practical risk management resources to help control cost and improve renewal outcomes. Frequently Asked Questions What types of accounts are a good fit for IPMG's Workers Compensation program?We write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider higher-mod or loss-challenged risks that standard markets may decline. What is the minimum premium for this program?Premiums generally start around $500 and scale based on class, payroll and exposure. We handle accounts from small businesses up to $1M+ premium size. How quickly can I get a quote?Same-day quotes are available for many classes when you submit a complete package: ACORD application, current loss runs, and experience mod (if applicable). Which states are eligible for this program?IPMG is active in most states, including CA, TX, FL, NY and many others—carrier options and program structure vary by state. Does IPMG offer risk management support?Yes. We can connect you and your clients with additional risk management services designed to improve workplace safety and control claims cost. Need help placing an account? Connect with a market specialist.