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...orkers Compensation Insurance for Garbage Haulers from IPMG Insurance Progra...his program available in? IPMG’s garbage hauler workers comp program is available in AL, ...

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IPMG offers you the EXPERTISE and the SERVICE you have been looking for! Our carriers offer competitive pricing for welders insurance — ideal for one-person shops and small welding operations. Coverage is available whether welding is performed at the insured’s location or off-site. Welders Insurance Program from IPMG Insurance Program Managers Group (IPMG) provides brokers and agents access to a specialized Welders Insurance program designed for small to mid-sized welding and metal fabrication operations. Working with “A”-rated E&S carriers, IPMG delivers flexible, non-admitted solutions in Florida, Illinois, and Missouri backed by experienced underwriting and responsive brokerage service. Ideal Accounts and Target Classes This program fits a broad range of welding-related trades, especially mobile and on-site operations. Typical classes we place include: Repair of farm or factory equipment, machinery, and miscellaneous equipment Trailer hitch fabrication and repair (up to 25% of operations) Installation of handrails, stair rails, and balcony railings Metal erection and metal goods manufacturing Auto and truck body/frame welding, including bumpers Conveyor system repairs Man lift and lift truck maintenance Logging equipment repair Work on window guards, bars, and similar security fixtures IPMG is a good fit for clients working in agricultural, industrial, and light commercial settings, including single-operator shops and small crews that perform both shop-based and off-site work. Coverage Highlights and Advantages Access to experienced, “A”-rated E&S carriers for risks that may not fit admitted markets Coverage for both shop and mobile/on-site welding operations Competitive pricing geared toward small operators and one-person shops Underwriters and brokerage staff with hands-on knowledge of welding exposures Quick, practical underwriting decisions when submissions include required documentation Underwriting Notes and Minimum Premiums The program requires a completed ACORD application plus a supplemental welders application for full underwriting review. Minimum premium starts at $1,000. IPMG’s underwriters evaluate operations by class mix, payroll, revenue, mobile exposures, and loss history; they can often structure terms to address common welding exposures when the risk profile is clear. Typical Appetite and Common Restrictions What typically fits: Small fabrication shops and mobile welder accounts with limited hot work exposure controls Accounts where welding is a primary operation or a substantial portion of the business What may not fit or will require special handling: Large scale structural steel erectors or heavy industrial contractors with significant site risk Accounts with poor loss history, inadequate hot work procedures, or large subcontractor exposures Territories and Availability This program is offered on a non-admitted basis in Florida, Illinois, and Missouri. IPMG works with appointed agents in those states to place accounts efficiently and to find appropriate carrier capacity. Why Work With IPMG? As a Managing General Agency and E&S broker, IPMG brings decades of specialty placement experience. Agents benefit from direct access to underwriting decision-makers, pragmatic risk acceptance, and a service-oriented team that understands welders’ unique operations. IPMG helps place accounts that need tailored terms outside standard admitted market appetite. Example Account Scenarios You have a client who runs a one-person mobile welding service repairing farm equipment and installing handrails at residential and commercial sites — this program can provide general liability and equipment coverage with competitive terms. You represent a small shop that fabricates light metal goods and performs occasional trailer hitch work (under 25% of operations) — IPMG can evaluate class mix and offer appropriate coverage on an E&S basis in the program states. Contact our team today to discuss placement strategies and the documentation needed for fast underwriting decisions: Barbara Commings Florida Branch Manager (855) 377-4764 [email protected] Leona Greeves VP Brokerage Services (314) 293-9705 [email protected] Matt Becker Surplus Lines Practice Leader (630) 485-5952 [email protected] April Cook Brokerage Services Underwriter (314) 293-9702 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small welding operations, including mobile welders and those working on farm equipment, handrails, metal goods, or light auto/truck body repair. Is off-site welding work covered under this program?Yes. The program provides coverage for welding performed both at the insured’s shop and at off-site locations, subject to underwriting review of the exposure. What documentation is required to submit a risk?A completed ACORD application and a supplemental welders application are required. Include details on operations, percentage of mobile work, any hot-work controls, payroll or sales, and recent loss history to speed the review. What states is this program available in?The Welders Insurance program is currently available on a non-admitted basis in Florida, Illinois, and Missouri. What is the minimum premium for this program?Minimum premium starts at $1,000, depending on the risk characteristics and underwriting evaluation. Need help placing an account? Connect with a market specialist.

Home Health Care Insurance Program from IPMG Insurance Program Managers Group (IPMG) provides targeted access to Home Health Care Insurance markets for agents who place in-home medical and non-medical service providers. Whether you're working with a multi-state skilled nursing agency or a local personal care provider, IPMG connects you to tailored E&S solutions designed to address the specific operational and professional exposures of home-based care. Ideal Accounts and Appetite This program fits a broad range of home care operations, including: Skilled nursing and licensed medical home care agencies Personal care, companion and homemaker services Home-based therapy providers (physical, occupational, speech) Hospice and palliative care providers Typical placements include agencies providing personal care across multiple counties, therapy companies delivering services in clients’ homes, and skilled providers expanding into services such as in-home IV therapy. Accounts with clear hiring and supervision practices, documented policies, and basic risk management are generally preferred. Coverage Highlights and Advantages IPMG’s Home Health Care program pairs underwriting expertise with a comprehensive coverage package to protect common exposures for home care providers. Key coverages include: Professional Liability – Defense and indemnity for alleged negligence, errors, or omissions in patient care. General Liability – Premises and operations protection for bodily injury and property damage arising from day-to-day services. Hired and Non-Owned Auto – Coverage for employees using personal vehicles on company business. Crime – Protection for losses from employee theft and related dishonest acts. Data Breach & Privacy/ Security Liability – Coverage for HIPAA-related incidents and cyber/privacy exposures. Sexual Misconduct Sublimit – Acknowledges and addresses a sensitive exposure area common to home care. Employee Benefits Liability – Coverage for administrative errors in benefit programs. These options give your insureds practical protection across professional, general, cyber, and employee-related risks so they can focus on care delivery. Underwriting Notes and Minimum Premiums The program is placed on a non-admitted basis through Hiscox, offering placement flexibility for unique or harder-to-place risks. Underwriters favor accounts with documented policies, clear staff credentialing, reasonable visit limits per caregiver, and basic loss-control practices. The minimum premium for eligible accounts starts at $1,500. For agencies with higher limits, multi-state operations, or significant professional exposure, IPMG’s underwriting team can structure broader solutions—contact underwriting to discuss specific scenarios and appetite exceptions. Territories and Availability Current availability: Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Coverage is written through E&S markets and may not be available on an admitted basis in these states. Why Work with IPMG? As a Managing General Agency and E&S broker, IPMG specializes in health care risk and provides responsive underwriting, timely submissions, and access to a trusted carrier (Hiscox) for this line. Their healthcare division understands the operational nuances of home care and helps agents place both routine and complex accounts efficiently. Example scenarios that fit well: A mid-sized home health agency expanding into in-home infusion services that needs professional liability plus cyber/privacy protection. A regional personal care company with employees using personal vehicles to transport clients who needs hired/non-owned auto and crime coverage. For underwriting questions or to submit a risk, contact: Mike Miller (IL) Director - Healthcare Division (630) 485-5850 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Home Health Care Insurance program?Ideal accounts include both medical and non-medical home health care providers, such as skilled nursing agencies, personal care aides, and therapy service providers operating in clients’ homes. Is this program available on an admitted basis?No. This program is offered on a non-admitted (E&S) basis through Hiscox, which allows flexibility for unique or harder-to-place risks. What states is the program available in?The program is currently available in Illinois, Indiana, Iowa, and Missouri. What is the minimum premium for this program?The minimum premium for eligible accounts starts at $1,500. Who can I contact to get a quote or learn more about placing business?Reach out to Mike Miller for Illinois accounts or Kristina Freeze for Missouri underwriting questions and submissions. Need help placing an account? Connect with a market specialist.

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Septic tank contractors face unique liability exposures due to the nature of their work—often involving excavation, environmental risks, and specialized equipment. Novatae Risk Group offers a tailored General Liability Insurance program specifically designed to address the needs of small to mid-size septic tank contractors. Through our partnership with Empire Underwriters and a top-rated "A" carrier, we deliver a market that understands the real risks your clients face and offers meaningful protection at competitive pricing. Whether your client installs new septic systems or performs ongoing service and repairs, we provide access to coverage options that support their business operations and satisfy contractual requirements. Our streamlined submission process and experienced brokers make it easy for you to secure coverage that fits. Ideal Accounts and Appetite This program is designed for septic tank contractors with annual payrolls under $1,000,000. We have a strong appetite for: Septic tank installation (residential and light commercial) Septic system service and repair Eligible risks include new construction and remodeling projects for both residential and commercial properties, including single-family homes. We are not a market for new construction of condominiums, townhouses, or buildings over three stories—except in limited cases. Coverage Highlights and Advantages Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These coverage features help your septic tank contractor clients meet the requirements of general contractors, municipalities, and private property owners—while giving them peace of mind against costly liability claims. Underwriting Requirements and Minimum Premium Completed ACORD Applications 3–5 years of currently valued loss runs Supplemental Application Pollution – Project Specific Application Minimum premium starts at $1,500, depending on risk characteristics and state-specific factors. We write on both admitted and non-admitted paper, using carriers rated as high as A-XV. Available States This septic tank contractor liability program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Why Work With Novatae Risk Group? As a trusted wholesale broker, Novatae Risk Group connects agents and brokers to specialized insurance solutions. With 30+ years of experience through Empire Underwriters and access to top-tier carriers, we bring deep industry insight and responsive service to every account. Our team understands the unique risks septic tank contractors face—and how to craft coverage that meets both underwriting guidelines and your client’s operational needs. Ready to quote? Send submissions to [email protected] or call 800-758-8113 to speak with our broker team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-size septic tank contractors involved in installation, repair, or maintenance, with annual payrolls under $1,000,000. What are some common ineligible risks?We typically do not write new construction for condominiums, townhouse projects, or structures over three stories, except in limited cases. Is this program available on admitted paper?Yes, we offer both admitted and non-admitted options through carriers rated as high as A-XV, depending on the state and risk profile. What states is this program available in?We offer coverage in AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. What is the minimum premium?The minimum premium for eligible accounts starts at $1,500, subject to underwriting and state-specific factors. Need help placing an account? Connect with a market specialist.