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...al Insurance Agency, Inc. offers Property and Liability coverages—available on...mbrella capacity up to $25,000,000. Property features include business income,...

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Workers Compensation Insurance for Garbage Haulers from IPMG Insurance Program Managers Group (IPMG) offers a specialized Workers Compensation program tailored to the risks faced by garbage haulers and waste removal businesses. Designed for both commercial and residential operations, this program helps agents place challenging accounts with access to multiple markets and underwriters who understand the unique exposures of the industry. Ideal Accounts and Appetite This program is a strong fit for garbage haulers and waste removal contractors with at least two years of prior workers compensation coverage. IPMG considers accounts with elevated experience modification factors and can handle a range of operations—from small residential pickup services to regional fleets of roll-off and rear-loader trucks. Examples of suitable accounts include: A regional hauler providing residential curbside pickup across several counties. A commercial waste management firm handling refuse collection for industrial and retail clients. Coverage Highlights and Advantages IPMG combines wholesale brokerage expertise with deep workers compensation knowledge to place accounts where traditional markets may struggle. The program focuses on practical placement solutions to protect employees who perform heavy lifting, operate collection vehicles, and work in collection and disposal environments. Key benefits: Access to admitted and non-admitted markets as appropriate for the risk and state. Ability to consider high experience modification ratings. Responsive underwriting and quoting to help you get timely decisions for clients. Supportive service for both agents and insureds throughout placement. Underwriting Notes and Minimum Premiums To streamline submissions and improve placement success, IPMG typically asks for the following: Minimum premium threshold of $20,000. At least two years of prior workers compensation coverage. Complete submission packet including: Accord application with a clear description of operations and vehicle counts. Currently valued loss runs (if applicable). Current Experience Modification Rating (if applicable). IPMG will evaluate operations, payroll distribution by class code, fleet makeup, and loss history to determine the best market fit. Both admitted and non-admitted placements are available depending on state eligibility and carrier appetite. Territories and Availability This workers compensation program is available in the following states: AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA. Why Work With IPMG? As a wholesale broker focused on workers compensation, IPMG provides agents with market access and technical underwriting support to place difficult garbage hauler risks. Their experience placing accounts with higher experience mods and their relationships across admitted and non-admitted carriers help you secure competitive solutions for your clients. You might approach IPMG when you have a client who has been declined by standard markets due to a poor loss history or large fleet size, or when you need multiple market options quickly to compare terms. IPMG’s responsive quoting and service model are designed to help you close placements efficiently. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program? Garbage haulers involved in commercial or residential waste removal with at least two years of workers compensation coverage are ideal. The program also considers accounts with higher experience modification factors. Is there a minimum premium requirement? Yes. The program generally requires a minimum premium of $20,000. What do I need to submit for a quote? Provide a completed Accord application describing operations, currently valued loss runs (if available), and the current Experience Modification Rating (if applicable). Vehicle counts and payroll by class code are helpful. Which states is this program available in? IPMG’s garbage hauler workers comp program is available in AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA. Does IPMG work with both admitted and non-admitted markets? Yes. IPMG has access to both admitted and non-admitted carriers and will seek the best placement based on the client’s risk profile and state eligibility.

Residential Carpentry Workers Compensation Insurance from IPMG Insurance Program Managers Group (IPMG) offers a focused Workers Compensation program for residential carpentry operations. Built for independent agents and wholesale brokers, this solution helps you place start-ups, established contractors, and higher-risk accounts by providing access to multiple A-rated (or better) carriers and flexible underwriting tailored to residential construction exposures. Ideal Accounts and Appetite This program is targeted to residential carpenters and select framing contractors. IPMG will consider: Residential carpentry and framing contractors Start-up operations with a documented business plan and basic controls Accounts with elevated experience modification factors Clients with prior losses where loss runs and explanations are provided Typical fits include a small framing crew starting under new ownership or an established residential carpenter looking for broader market access after challenging loss experience. Coverage Highlights and Advantages IPMG places business with carriers that understand the unique risks of residential job sites—fall exposures, repetitive-motion injuries, and subcontractor relationships. Key advantages for you and your clients include: Access to multiple admitted and non-admitted markets to improve placement opportunities Ability to consider higher-mod accounts and those with documented prior losses Underwriting teams experienced in construction risks and responsive service to help move submissions Underwriting Notes and Minimum Premiums To help speed quoting, include the following with every submission: Completed ACORD application with a clear description of operations and payroll allocation Currently valued loss runs (when applicable) and explanations for prior claims Current experience modification rating (if available) The program’s minimum premium starts at $5,000. Final pricing will depend on factors such as payroll, assigned class codes, loss history, and state rules. Territories and Availability IPMG writes Residential Carpentry Workers Compensation across a broad footprint. We currently write business in the following states: 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, DC. We can place accounts in admitted or non-admitted markets depending on the account needs and carrier appetite. Why Work With IPMG? As a wholesale broker, IPMG brings targeted construction expertise and broad market access to help you place difficult or startup carpentry accounts. Our underwriters work with agents to tailor submissions, identify the best market fit, and move business quickly. If you need to place a higher-mod account or a contractor with prior losses, IPMG provides the markets and service to improve placement success. Example scenarios you can place through this program: A small residential framing crew under new ownership that needs its first workers comp policy and can provide a business plan and payroll estimates. An established residential carpenter with an elevated mod and prior claims seeking broader market access and underwriting flexibility. Use IPMG when you need construction-savvy underwriting, multiple carrier options, and support placing residential carpentry workers compensation risks. Frequently Asked Questions What types of accounts are a good fit for this program?Residential carpentry contractors, including framing operations with prior workers’ comp coverage, start-ups with a clear business plan, and accounts with higher experience modification factors. Do you accept start-up residential contractors with no prior coverage?Yes. Start-ups are eligible when they meet basic underwriting requirements and submit a detailed ACORD application and supporting documents. What documentation is required for a submission?Provide a completed ACORD application with an operations description, currently valued loss runs if applicable, payroll details and class codes, and the current experience modification rating when available. What is the minimum premium for this program?Minimum premium starts at $5,000. Final pricing will reflect underwriting factors such as payroll, class codes, and loss history. In which states is this program available?This program writes in over 40 states, including CA, TX, FL, IL, and many others. Contact IPMG for availability in a specific state. Need help placing an account? Connect with a market specialist.

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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.