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...kers, bonded warehouse operators, freight forwarders, and transportation compa...ited for importers, customs brokers, freight forwarders, bonded warehouse operators, an...

...es or construction projects. These bonds often include additional protections such as payment bonds (covering labor and materials) and ma...e history. Are maintenance or payment bonds available as part of this program?...

... agents and brokers. Designed for freight brokers and freight forwarders at any stage—startup or e...tingent cargo offering to help your forwarder clients remain compliant. What i...

...s placing coverage for logistics, freight forwarding, and transportation clien...Yes, DOT filings can be provided for freight forwarders when required. What commission ...

Enhanced Freight Brokers' Liability & Contingent ...ly Asked Questions What types of freight broker accounts are the best fit for this program?Mid-size to larger freight brokers and 3PLs that regularly c...

...elated operations, including: Freight Forwarders and Logistics Providers ...is program?This program is ideal for freight forwarders, terminal operators, stevedores...

IPMG is your trusted partner for placing Professional Liability Insurance risks across a wide spectrum of industries. We specialize in providing comprehensive coverage solutions for professionals such as architects, engineers, consultants, and many more. Whether your client is an independent accountant or a growing consulting firm, our markets are structured to offer tailored protection against errors, omissions, and other professional liabilities. Ideal Accounts and Appetite IPMG's Professional Liability Insurance program is designed to support a broad range of professional service providers. We have strong appetite for: Architects, Engineers, and Design Professionals IT Professionals, Software Developers, and Consultants Accountants, Bookkeepers, and Tax Preparers Real Estate Agents, Appraisers, and Property Managers Marketing, Advertising, and Public Relations Firms Environmental and Safety Consultants Legal and Financial Services Providers If you’re working with a client offering specialized services — such as forensic testing, customs brokerage, or payroll administration — we likely have a solution that fits. We also welcome submissions for miscellaneous professional liability classes that fall outside traditional categories. Coverage Highlights and Advantages Our markets offer both admitted and non-admitted options, giving you flexibility based on your insured’s risk profile and state requirements. Key coverage features often include: Claims-made policy forms Prior acts coverage available in many cases Optional General Liability available for qualifying risks Customizable limits and deductible options Whether your client is concerned about a past project or is entering a new professional venture, our carriers provide the tools to help mitigate exposure and protect their reputation. Underwriting Notes and Minimum Premiums Our Professional Liability program starts at a minimum premium of $1,000. We evaluate each risk on its individual merits and can accommodate both new ventures and established professionals. Fast quote turnaround is available for many standard classes. For a complete list of eligible professions or to discuss a complex risk, reach out for a custom review. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) We offer coverage on both an admitted and non-admitted basis, depending on the state and class of business. Why Work With IPMG? As a proven market for Professional Liability Insurance, IPMG leverages deep expertise and strong carrier relationships to help agents place hard-to-fit and emerging professional risks. Our broad class appetite, underwriting flexibility, and access to both admitted and surplus lines markets make us a valuable resource for brokers seeking responsive and competitive solutions. You might have a client like a small environmental testing lab expanding into new service areas, or a freelance IT consultant launching their own firm — IPMG is here to help you secure the right protection for these evolving exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for a wide range of professional service providers, including architects, engineers, IT consultants, accountants, real estate professionals, and more. Is prior acts coverage available?Yes, many of our markets can offer prior acts coverage depending on the class of business and underwriting details. Do you offer both admitted and non-admitted options?Yes, we work with both admitted and non-admitted carriers to provide flexibility based on your client’s needs and state requirements. What is the minimum premium for this program?The minimum premium typically starts at $1,000, but final pricing depends on the class and risk characteristics of the submission. In which states is this program available?This program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Need help placing an account? Connect with a market specialist.

Demetriou General Agency is proud to offer a specialized Wholesale Distributors Insurance program tailored for a wide range of distribution businesses. Designed with the unique risks of the wholesale distribution industry in mind, this program is ideal for agents and brokers looking to place business for clients involved in selling goods to other businesses, retailers, or commercial users. Ideal Accounts and Appetite This program targets distributors with up to $5,000,000 in annual sales across more than 30 distribution classes. Appetite includes, but is not limited to: Building material distributors Mercantile goods distributors Food and beverage wholesalers The program is also suitable for risks that maintain a warehouse onsite or have an incidental retail operation in addition to their wholesale activities. Example: You might have a client distributing kitchen equipment with a small showroom at their facility—this would be within appetite. Coverage Highlights and Advantages Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate Excess liability coverage available up to $5,000,000 Written on a Businessowners Form for broad protection Coverage for personal property off-premises and in transit: up to $300,000 Electronic data and computer operation interruption: up to $300,000 combined No liability deductible Low premiums starting at $400 Expanded bodily injury definition to include mental anguish and emotional distress This package offers robust protection for common exposures faced by distributors, such as inventory loss in transit, onsite property risks, and technology-related disruptions. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the class of business, risk characteristics, and coverage limits selected. The program is flexible and competitively priced, making it accessible for small to mid-sized distributors with standard to moderate exposures. Territories and Availability This program is available in the following states: CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Coverage is offered on an admitted basis across all available states, providing compliance and peace of mind for your clients. Why Work With Demetriou General Agency As a Managing General Agency with deep market access and underwriting expertise, Demetriou General Agency offers responsive service and tailored solutions. Our Wholesale Distributors Insurance program is backed by strong carrier relationships and is structured to meet the evolving needs of modern distributors. Whether your client is a startup distributor or an established operation, we provide the tools and support you need to place this business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with up to $5 million in annual sales across building materials, food and beverage, and mercantile distribution are ideal. Risks with warehouses or small retail components are also acceptable. Is this program available on an admitted basis?Yes, the program is offered on an admitted basis in all available states. Are incidental retail operations eligible?Yes, the program accepts wholesale distributors that have incidental retail components as part of their operations. What is the minimum premium for this program?Minimum premiums vary based on risk characteristics, but low premiums start at $400 for qualifying accounts. Which states is the program available in?This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. Need help placing an account? Connect with a market specialist.

Miscellaneous Errors and Omissions Insurance Professionals across countless industries face the risk of being sued for alleged mistakes in the performance of their duties—even if they weren’t actually at fault. These claims can severely impact a professional’s reputation and financial stability. That's where Miscellaneous Errors and Omissions (E&O) Insurance becomes crucial. At Alexander J. Wayne & Associates, Inc., we specialize in helping insurance agents and brokers place hard-to-place E&O risks across a broad spectrum of professions. Overview of the Program From Alexander J. Wayne & Associates With decades of experience and access to over 40 different markets—including all major U.S. carriers and Lloyd’s of London—Alexander J. Wayne & Associates offers flexible and competitive solutions for virtually any professional liability exposure. Whether you’re working with a niche consultant or a healthcare provider with a complex history, our underwriting team is equipped to help you find the right coverage. Ideal Accounts and Appetite We have successfully placed coverage for a wide variety of professional classes, including but not limited to: Miscellaneous Professionals and Consultants Technology and IT Service Providers Real Estate Professionals (agents, property managers, consultants) Architects and Engineers Insurance Agents and Brokers Attorneys and Law Firms (especially hard-to-place risks) Medical Professionals (physicians, dentists, nurses, imaging centers) Accountants and Bookkeepers Financial Planners, Investment Advisors, and Broker-Dealers Marketing and Management Consultants We are open to reviewing virtually all professional classes—even those that fall outside the standard appetite of many markets. Coverage Highlights and Advantages We provide tailored E&O coverage designed to meet the unique needs of each profession. Key features of our offerings include: Limits ranging from $100,000 up to $10,000,000 Separate excess limits available Minimum premiums starting as low as $800 for lower limits First-dollar defense options Defense costs in addition to limits of liability Full prior acts coverage Third-party discrimination coverage Defense for fee disputes Custom coverages tailored to specific professions Group or association programs available “A” Rated carriers by A.M. Best Fast turnaround on quotes and policy issuance Underwriting Notes and Minimum Premiums Our underwriting team is highly experienced in assessing complex risks and tailoring solutions that meet your client’s unique needs. We consider a wide range of risk profiles, including new ventures and distressed accounts. Minimum premiums vary by risk class and limit, with entry points as low as $800 for smaller accounts. Territories and Availability Our Miscellaneous E&O program is available in all 50 states, plus Washington, D.C. Whether your client is based in a major metropolitan area or a rural community, we have market access and expertise to help you find the right solution. Why Work With Alexander J. Wayne & Associates? As a wholesale broker with deep experience in professional liability, we understand the nuances of E&O exposures across a wide range of industries. Our expansive market access, responsive service, and creative underwriting approach make us a valuable resource for agents and brokers looking to place challenging or niche E&O risks. Call us today to learn how we can help you place your next Miscellaneous Errors and Omissions account—especially the ones that others can’t. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program is ideal for a wide range of professionals, including consultants, IT service providers, real estate agents, lawyers, accountants, and medical professionals. We are especially effective in placing hard-to-place or non-standard risks. Can you write new ventures or professionals with previous claims?Yes, we have markets that will consider new ventures and accounts with prior claims, depending on the circumstances and risk profile. What are the minimum premium requirements?Minimum premiums start as low as $800 for lower-limit policies, but actual pricing will vary based on the class of business, limits, and risk factors. Is this program available nationwide?Yes, our Miscellaneous E&O program is available in all states, including Washington, D.C. What carriers do you work with for this program?We work with all major U.S. carriers and Lloyd’s of London markets, including both admitted and non-admitted options. Need help placing an account? Connect with a market specialist.