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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.

Vacant Building Insurance IPMG offers a flexible and reliable solution for agents and brokers seeking coverage for vacant properties. Whether your client owns a residential property awaiting renovation or a commercial building between tenants, our Vacant Building Insurance program provides the protection needed to manage these unique exposures. Overview of the Program From IPMG IPMG (Insurance Program Managers Group) brings specialized markets for hard-to-place risks like vacant buildings. With access to A-rated non-admitted carriers, we help agents secure quality protection for property owners who may not qualify for standard insurance due to vacancy status. We offer responsive service and underwriting expertise for vacant risks in select states. Ideal Accounts and Appetite Our program is designed for a wide range of vacant properties, including: Residential dwellings between tenants or undergoing minor renovations Commercial buildings temporarily unoccupied but maintained Properties awaiting sale or redevelopment We can consider risks with responsible ownership and a clear plan for occupancy or sale. Properties undergoing major structural changes or with severe deferred maintenance may not qualify. Coverage Highlights and Advantages We offer comprehensive options, including: Property coverage with Replacement Cost or Actual Cash Value, depending on eligibility Special Form available on qualified risks General Liability coverage to protect against third-party claims Builder’s Risk coverage when applicable Various deductible options to fit your client’s budget There are no Total Insured Value (TIV) restrictions, allowing flexibility for small to mid-size vacant buildings. Underwriting Notes and Minimum Premiums Minimum premiums range from $500 to $750 per line of coverage, depending on the risk profile. We write on non-admitted paper through A-rated carriers, giving us more flexibility in underwriting and pricing. We aim for quick turnaround and competitive terms on qualified submissions. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Missouri (MO) Indiana (IN) Iowa (IA) If you operate in one of these states and have a vacant property risk that doesn’t fit the standard market, we encourage you to reach out. Why Work With IPMG on Vacant Building Risks? IPMG has a strong reputation for delivering flexible programs backed by experienced underwriting and top-tier carrier access. We understand the challenges agents face when placing vacant property coverage and provide the tools to help you serve your insureds efficiently. Our team is committed to helping you find the right fit for your clients—whether they own a vacant retail storefront or a single-family rental between tenants. Contact IPMG today for all your Vacant Building Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and commercial buildings that are temporarily vacant due to tenant turnover, pending sale, or light renovations. Can I submit a property that is undergoing renovations?Yes, properties with minor or cosmetic renovations are eligible. For major structural changes, builder’s risk coverage may be more appropriate and subject to underwriting. Is there a limit on the building value or TIV?No, there are no Total Insured Value (TIV) restrictions. We can accommodate a wide range of property values based on underwriting review. What states is this program available in?We currently offer this vacant building insurance program in Florida, Illinois, Missouri, Indiana, and Iowa. What kind of carriers are used for this program?We work with A-rated non-admitted carriers to provide flexible, high-quality options for vacant property risks. 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.

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Take Out Restaurant Insurance Insurance Program Managers Group (IPMG) offers a specialized Take Out Restaurant Insurance program for foodservice operations with substantial take-out or delivery exposure. If a restaurant derives at least 35% of receipts from take-out or delivery, this program provides targeted liability and property coverages designed to address those off-premise risks. Ideal Accounts and Appetite This program is a strong fit for agents placing restaurants where off-premise sales are a significant portion of business. Typical accounts include: Family-style restaurants that prepare food on-site, have 35%+ of sales from take-out/delivery, and no more than 10% of total sales from alcohol. Quick-service or limited-seating operations (fewer than 20 seats or about 4 tables) with no alcohol sales and a heavy take-out/delivery mix. Eligible operations commonly placed through this program include: Asian restaurants Sub and sandwich shops Bagel and donut shops Coffee shops Food court restaurants in malls Coverage Highlights and Advantages IPMG’s Take Out Restaurant Insurance focuses on the exposures created by high off-premise sales. Key coverages available include: General liability tailored for foodservice operations Commercial property for building contents and equipment Liability-only accounts start at $600, with package minimums beginning at $900. Policies are placed on non-admitted paper through A-rated carriers, providing capacity and underwriting expertise for risks that may be difficult to place in standard markets. Underwriting Notes and Minimum Premiums Underwriting review is required for every submission. Some small operations may qualify as non-auditable if annual receipts are under $500,000—this can simplify placements for lower-revenue clients. Appetite is focused on single-location, on-site food preparation with substantial take-out/delivery volume; higher-risk exposures (extensive alcohol sales, multiple locations, or significant catering/onsite event exposures) will generally be declined or require separate review. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Contact the appropriate state representative below to discuss specific submissions, appetite nuances, and available limits. Why Work With IPMG? IPMG specializes in niche commercial programs and offers agents access to markets that understand take-out and delivery-focused restaurant risks. The underwriting team has experience placing accounts that do not fit typical restaurant markets and can help identify the right structure and limits for off-premise exposure. Whether your client runs a busy sandwich shop with no seating or a family-style kitchen offering curbside pickup and limited alcohol sales, IPMG can help place the account efficiently and competitively. Program Contacts by State Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with 35% or more of sales from take-out or delivery, including sub shops, coffee shops, and Asian restaurants. Family-style restaurants with limited alcohol sales may also qualify. Is this program available in my state?This program is available in FL, IL, IN, IA, and MO. Contact the corresponding state representative for submission details. What coverage options are available?Coverage includes liability and property. Packages start at $900, and standalone liability starts at $600. Are small operations eligible?Yes, risks with under $500,000 in receipts may be considered non-auditable, making the program accessible for smaller businesses. Who underwrites the policies?Coverage is written on non-admitted paper through A-rated carriers, ensuring strong financial backing and underwriting expertise. Need help placing an account? Connect with a market specialist.

IPMG offers a specialized Childcare Insurance program tailored to meet the unique risks and regulatory requirements of childcare operations. As a Managing General Agency and Excess & Surplus Lines Broker, IPMG provides access to markets that understand the nuances of this critical sector. Whether you’re working with a small in-home daycare or a multi-site preschool operation, this program is designed to help you place accounts that need comprehensive and reliable insurance solutions. Ideal Accounts and Appetite This program is an excellent fit for licensed childcare providers, including: Daycare centers Preschools Before- and after-school programs In-home childcare providers Private early childhood education facilities IPMG is most effective for accounts that demonstrate strong safety protocols, trained staff, and compliance with state childcare licensing requirements. Accounts with prior claims may be considered but will be subject to underwriting review. Coverage Highlights and Advantages IPMG’s Childcare Insurance program offers a broad range of essential coverages to protect childcare operations from both common and specialized exposures: Property – Covers buildings, contents, and equipment. General Liability – Protection against third-party bodily injury and property damage claims. Auto Liability – For centers that transport children. Sexual Abuse Liability – A critical coverage for childcare providers. Student Accident Coverage – Coverage for injuries to children under care. Teachers Professional Liability – Protects against claims related to educational activities and professional duties. Umbrella – Additional limits over primary liability policies. These coverages are structured to address the real-world risks faced by childcare providers, helping you deliver peace of mind to your clients and their stakeholders. Underwriting Notes and Minimum Premiums The program is supported by markets such as Markel, known for their experience in educational and childcare risks. Most available markets are non-admitted, allowing for flexible underwriting solutions. Minimum premium thresholds are low, making the program accessible to a wide range of accounts. Submissions should include standard application forms, a narrative of operations, loss runs (if applicable), and licensing information. IPMG’s underwriting team works with agents to find the best fit for each account. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Agents working with childcare providers in these states can benefit from IPMG’s experience and market access to craft tailored insurance solutions. Why Work With IPMG? IPMG brings deep expertise in the childcare industry and offers strong underwriting support through both standard and surplus lines markets. The team is responsive, knowledgeable, and committed to helping you place business efficiently and effectively. With dedicated contacts by region, you’ll always have a direct line to someone who understands your market and the needs of your insureds. Contact Information: Matt Becker (IL) Surplus Lines Practice Leader (630) 485-5952 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Barbara Commings (FL) Florida Branch Manager (855) 377-4764 ext. 5222 [email protected] Frequently Asked Questions What types of childcare businesses are eligible for this program?This program is ideal for licensed daycare centers, preschools, in-home childcare providers, and early education centers operating in FL, IL, IN, IA, and MO. Are accounts with prior claims eligible for coverage?Yes, accounts with prior claims may be considered. Each submission is reviewed individually by IPMG's underwriting team. What is the minimum premium required to access this program?The program features low minimum premiums, making it suitable for both small and mid-sized childcare operations. Is Sexual Abuse Liability included in the coverage?Yes, Sexual Abuse Liability is one of the key coverage offerings available through this program. What markets support this program?The program is backed by reputable carriers such as Markel, with most coverage written through non-admitted markets. Need help placing an account? Connect with a market specialist.

Privacy Protection and Data Breach Coverage from Insurance Program Managers Group (IPMG) IPMG provides access to specialist markets for Privacy Protection and Data Breach insurance tailored for a wide range of commercial risks. This program is designed for agents who need flexible cyber and privacy solutions — from small professional firms to mid-sized retailers and service providers — backed by carriers experienced in handling breach response, liability, and cyber business interruption. Ideal Accounts and Appetite This program is a strong fit for agents placing accounts in the following classes: Professional services: lawyers, accountants, independent insurance agents, consultants and other firms that handle client information. Retail merchants and e-commerce businesses that accept payment cards or store customer records. Education organizations: private schools, tutoring centers, and training providers. Financial services firms and advisers with sensitive client data. Hospitality, restaurants and food service operations with POS systems and guest records. Health and medical practitioners and ancillary healthcare services. IPMG can consider many other classes — if you have an account with customer data, payment processing, or third-party hosted systems exposure, it may be eligible. Coverage Highlights and Advantages Privacy Protection and Data Breach Cost coverage to respond to regulatory inquiries, notification, credit monitoring and forensics. Multimedia liability to address content- and media-related exposures. Cyber Business Interruption and Hacker Damage for income loss and system repair after an attack. Cyber Extortion and crisis-management response for ransom events and negotiation costs. Policy limits available up to $10,000,000, with flexible limit structures to match client needs. Underwriting Notes and Minimum Premiums Typical submission requirements will include a description of operations, revenue, prior incidents, and information security practices (e.g., firewalls, backups, MFA where used). The program can underwrite first-time buyers as well as renewal placements; appetite and pricing will reflect sector, revenue, and controls in place. Minimum premium: $625. Higher limits, complex accounts, or accounts with material prior incidents may require additional underwriting detail and higher premiums. Territories and Availability This program is available in the following states: FL, GA, IL, IN, IA, MO. Availability may vary by carrier and risk characteristics, so please submit details early for confirmation. Why Work With IPMG on Privacy & Breach Risks Market access: IPMG places these risks with carriers that specialize in privacy and cyber exposures. Flexibility: options for standalone cyber/privacy coverage or packaged solutions to address multimedia, extortion and business interruption. Responsiveness: tailored submissions and underwriting guidance to help you place accounts that might otherwise be hard to bind. Example Account Scenarios A regional dental practice that stores patient records electronically and wants breach response, regulatory defense, and business interruption coverage. An independent CPA firm that handles tax returns for hundreds of clients and requires privacy liability and cyber extortion protection. Contact IPMG for a quote and to discuss the best market placement for your client’s exposure. Provide revenue, a summary of data handled, security controls, and any prior cyber incidents to expedite review. Frequently Asked Questions What types of accounts are a good fit for IPMG’s Privacy Protection and Data Breach program?Accounts that handle customer or client data, payment information, or proprietary business information — especially small to mid-size professional services firms, retailers, restaurants, education providers, and healthcare practitioners — are a good fit. IPMG can also consider other industries with similar exposures. What coverage components can I expect to place through this program?The program can provide privacy protection, data breach response costs, multimedia liability, cyber business interruption, hacker damage, and cyber extortion. Limits are available up to $10M depending on the carrier and risk. What are the typical underwriting requirements?Underwriters typically ask for a description of operations, annual revenue, details on the types of data stored or processed, security controls (e.g., backups, firewalls, MFA), and history of prior incidents. More complex risks may require additional documentation. Are there state restrictions or minimum premiums?The program is available in FL, GA, IL, IN, IA and MO. The stated minimum premium is $625; actual premium depends on class, revenue, limits, and underwriting factors. Need help placing an account? Connect with a market specialist.