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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.

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Insurance Program Managers Group (IPMG) offers a specialized Scrap Metal Dealers Insurance program designed to help agents and brokers place workers’ compensation coverage for businesses in the scrap and recycling industry. With access to multiple A-rated carriers and markets that can handle higher-risk accounts, IPMG delivers flexible, responsive solutions across a range of states. Ideal Accounts and Appetite This program is built for businesses that handle metal recycling, salvage, and related operations. Ideal accounts include: Scrap metal yards and collection points Auto salvage and dismantling operations Industrial recyclers and processors of metal-based materials IPMG will consider accounts with elevated experience modifications or a prior loss history and can help determine the best market placement. Typical declines include operations with severe, unresolved regulatory issues or exposures outside standard scrap metal activities. Coverage Highlights and Advantages Fast turnaround—same-day quotes available when submissions are complete Access to A-rated carriers focused on workers’ compensation for this niche Markets that will consider high-mod or distressed accounts depending on underwriting Minimum premium beginning at $5,000 The program addresses core comp exposures for scrap handlers: material handling and sorting, heavy equipment operation, transportation of loads, and shop/dismantling activities. Whether your client is a small local yard or a regional processor, IPMG offers underwriting experience and placement options tailored to these risks. Submission Requirements To obtain a quote, provide: Completed Accord application with a clear description of operations Three to four years of currently valued loss runs Current Experience Modification Rating (if applicable) Territories and Availability This workers’ compensation program is available in: AL, AR, GA, IL, IN, KS, MS, MO, NV, NC, TN, VA, and WV. IPMG leverages different markets by state to find the best fit for a given account. Why Work With IPMG? IPMG specializes in niche and complex workers’ compensation placements. Their underwriters understand the operational hazards common to scrap metal and recycling businesses and can navigate placement for accounts other markets may avoid. Agents benefit from quick responses, broad market access, and a partner comfortable with higher-mod or challenged files. Example scenarios: You have a regional auto salvage yard with heavy equipment and a recent uptick in claims — IPMG can evaluate available markets that will consider the account. A small scrap collection business needs comp coverage but has a higher mod; IPMG can help you prepare the submission and target appropriate carriers. Frequently Asked Questions What types of accounts are a good fit for this program?Scrap metal dealers, auto salvage yards, and industrial recyclers are ideal candidates for this workers’ compensation program. Can IPMG handle high mod or distressed accounts?Yes. IPMG works with markets that will consider accounts with high experience modifications or prior losses, subject to underwriting review. What is the minimum premium for this program?The program starts at a minimum premium of $5,000, though actual premiums depend on payroll, classification mix, loss history, and underwriting. What documents are required for a quote?Provide a completed Accord application, 3–4 years of currently valued loss runs, and the current experience mod (if available). Which states is this program available in?This program is available in AL, AR, GA, IL, IN, KS, MS, MO, NV, NC, TN, VA, and WV. Need help placing an account? Connect with a market specialist.

Caitlin Morgan Insurance Services offers a specialized Architects & Engineers (A&E) Professional Liability Insurance program for small to mid-sized design firms. Backed by experienced loss prevention specialists and regional production support, this program delivers targeted protection and proactive risk-management resources to help reduce the chance of costly claims. Whether your client is an architect on residential developments or a civil engineer working on infrastructure, Caitlin Morgan provides reliable coverage tailored to the unique exposures of the design industry. Ideal Accounts and Appetite This program is focused on design professionals with annual billings under $7.5 million. Caitlin Morgan has a broad appetite across typical A&E classes, including: Architects Draftsmen Interior designers Landscape architects Land surveyors Civil, mechanical, structural, and electrical engineers Agency construction managers (excluding project design and at-risk construction managers) Examples you might place here: a small architecture firm expanding into commercial work, or a land surveyor bidding on public infrastructure projects. Firms with more complex, at-risk construction management or very large billings typically exceed this program's target appetite. Coverage Highlights and Advantages Errors & Omissions (E&O) / Professional Liability coverage designed for A&E exposures Admitted paper available to meet state compliance and client preferences Limits ranging from $100,000 up to $5,000,000 Deductibles starting at $2,500 Access to loss prevention expertise and risk-management tools to help avoid claims Underwriting Notes and Minimum Premiums Minimum premium guidance: $1,250 for a $1M limit for most eligible classes. Structural engineers carry a higher minimum premium (starting at $7,500 for a $1M limit) due to elevated exposure. Underwriters evaluate project mix, past claims history, firm size and contract language—so provide complete firm profiles, recent loss runs, and sample contract terms when submitting. Territories and Availability This A&E program is available in all 50 states and Washington, D.C., with admitted paper offered where applicable. Agents nationwide can place qualified accounts with confidence in territory availability and regulatory compliance. Why Work With Caitlin Morgan Insurance Services? As a wholesale broker focused on niche professional liability programs, Caitlin Morgan combines underwriting expertise with strong carrier relationships to deliver competitive solutions for design professionals. Their regional production specialists and loss prevention resources make submissions smoother and help your clients manage exposures before a claim arises. From quoting through policy issuance, Caitlin Morgan supports agents with market access and practical placement guidance. Frequently Asked Questions What types of accounts are a good fit for this program?Design professionals with less than $7.5 million in annual billings—such as architects, engineers, and surveyors—are the primary targets for this program. Is the coverage written on admitted paper?Yes. Admitted paper is available through this program, providing flexibility and regulatory compliance in most states. Does this program include risk management support?Yes. Caitlin Morgan provides access to loss prevention experts and risk-management tools to help reduce the likelihood and severity of claims. Are structural engineers eligible for this program?Structural engineers are eligible, but expect higher minimum premiums (starting at $7,500 for a $1M limit) because of increased exposure. Which states is this program available in?The program is available in all 50 states and Washington, D.C., making it accessible for agents and brokers nationwide. Need help placing an account? Connect with a market specialist.