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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.

Tree Trimmers Workers Compensation Insurance From IPMG Insurance Program Managers Group (IPMG) offers specialized Workers Compensation Insurance tailored for the tree trimming industry. Our program is designed to help insurance agents and brokers secure competitive coverage for clients in this high-risk sector. With access to multiple markets and a deep understanding of the exposures facing arborists and tree service operations, IPMG delivers the underwriting expertise and client service you need to place and retain this business. Ideal Accounts and Appetite This program is built for professional tree trimming and arborist companies with at least two years of prior workers’ compensation coverage. Accounts with high experience modification factors can also be considered, giving you placement options for clients with challenging histories or recent claims activity. Ideal accounts include: Tree trimming companies performing residential, commercial, or municipal work Arborists with crews working at height or using specialized equipment Operations with climbing, bucket truck, or crane usage You might have a client who has grown from a small residential tree service into a multi-crew operation and now needs a workers' comp solution that can handle their increased exposures. IPMG is equipped to help you find coverage that supports their growth. Coverage Highlights and Advantages IPMG works with a variety of markets to secure the most competitive pricing and coverage structures available for your clients. Our team understands the complexities of tree trimming operations and the unique risks these businesses face, including fall hazards, equipment injuries, and seasonal labor fluctuations. We help you identify the right carrier fit based on your insured’s size, loss history, and operations. Program advantages include: Access to multiple carriers depending on risk profile Placement options for higher experience mods Responsive underwriting and service teams Wholesale access to both admitted and non-admitted markets Underwriting Notes and Minimum Premiums To be considered for this program, accounts should meet the following criteria: Minimum premium of $10,000 At least 2 years of prior workers' compensation coverage Willingness to submit complete underwriting information Submission requirements include: ACORD application with a clear description of operations Currently valued loss runs (if applicable) Current experience modification rating (if applicable) Territories and Availability This 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. Whether your client operates locally or across multiple states, IPMG can help you find an appropriate solution within our appetite. Why Work With IPMG? As a wholesale broker with extensive experience in Workers Compensation, IPMG brings together responsive service, underwriting guidance, and access to a wide panel of markets. We help agents and brokers place tough-to-insure risks — including those with high mods or complex tree service operations — while delivering the support and transparency you need to serve your clients well. Contact IPMG today to find the best fit for your tree trimming clients at the most competitive premium. Frequently Asked Questions What types of accounts are a good fit for this Tree Trimmers Workers Compensation program?We’re looking for professional tree trimming and arborist operations with at least two years of prior workers’ comp coverage. Accounts with high experience mods or complex work like climbing and crane usage are also considered. What is the minimum premium for this program?The minimum premium is $10,000. Accounts should also meet underwriting criteria including prior coverage history and complete submission documentation. In which states is this program available?This program is available in AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA. Can this program handle accounts with high experience modification factors?Yes, IPMG has markets willing to consider accounts with elevated experience mods, making it a good fit for insureds with past losses or challenging histories. What documents are required to submit an account?You’ll need an ACORD application with a description of operations, currently valued loss runs (if applicable), and the current experience modification rating (if applicable). Need help placing an account? Connect with a market specialist.

UPA, offered through U.S. Risk Insurance Group, is a specialized market for placing workers’ compensation coverage for clients in the hospitality industry. Built for hotels, restaurants, resorts and related operations, this program pairs tailored underwriting with access to financially strong carriers and responsive service. Whether you represent a single-location boutique hotel or a multi-state resort group, UPA helps you secure appropriate coverage while supporting long-term risk management and claims cost control. Ideal Accounts and Appetite Hotels – including premier full-service and boutique properties Resorts and spas Bed and breakfasts Restaurants and casinos This program fits both single-location operations and multi-location, multi-state portfolios. UPA will consider accounts coming out of PEO arrangements and risks with elevated experience modification factors, which makes it a flexible option for brokers handling challenging or transitional accounts. Coverage Highlights and Advantages Monoline workers’ compensation solution focused on hospitality exposures UPAY-As-You-Go premium payment option to improve client cash flow Placement with A-rated carriers that have national reach Loss control resources — manuals, safety tips and operational checklists tailored to hospitality Experienced claims handling focused on reducing total claim costs and return-to-work outcomes UPA is positioned to give your clients more than a policy — it is a program that supports safer workplaces, stabilizes workers’ comp costs, and helps control frequency and severity over time. Underwriting Notes and Submission Requirements Multi-location and multi-state risks are welcome Accounts with higher experience mods and PEO exits are considered To submit a risk, include: Completed ACORD application 3–5 years of currently valued loss runs Mod worksheet and large account supplemental for risks with over $75,000 in annual premium Territories and Availability Available in all 50 states and Washington, DC. UPA leverages national carrier relationships to place single-state and multi-state programs. Why Work With U.S. Risk on Hospitality Workers' Comp? U.S. Risk Insurance Group is a wholesale broker with deep hospitality expertise. Through UPA you get a dedicated underwriting team, flexible guidelines for complex loss histories, and practical loss control support designed for hospitality operations. Example scenarios where UPA is a strong fit: A regional boutique hotel chain seeking consistent compensation terms across three states while improving workplace safety programs. A restaurant group transitioning off a PEO with a higher mod factor that needs access to A-rated capacity and targeted loss control. If you need help placing an account or want guidance on submission strategy, connect with a U.S. Risk market specialist who knows hospitality workers' comp. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, resorts, spas, restaurants, casinos, and other hospitality-related businesses, including multi-location and multi-state operations. Can I submit accounts with high experience mods?Yes, UPA can consider accounts with higher experience mods, including those emerging from PEO arrangements or with challenging loss histories. What documents are required to submit a risk?Submissions should include a completed ACORD application, 3–5 years of currently valued loss runs, and a mod worksheet with a large account supplemental if premium exceeds $75,000 annually. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, DC, with access to national A-rated carriers. What are the key benefits for my hospitality clients?Clients benefit from strong carrier options, loss control support, flexible payment options like UPAY-As-You-Go, and proactive claims handling. Need help placing an account? Connect with a market specialist.

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.

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.