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Insurance Program Managers Group (IPMG) offers specialized Claims Management Services for Self Insurance Clients designed to help your clients reduce liability and workers’ compensation costs. With extensive experience managing diverse program business risk pools and self-insured retention (SIR) structures, IPMG brings a proactive, results-focused approach to claims handling that benefits both insureds and their brokers. Whether your client is a municipality, healthcare facility, educational institution, or commercial business pursuing more control over claims expenditures, IPMG’s in-house claims management team offers the tools and expertise to deliver efficient resolution and long-term cost containment. Our aggressive approach to claims resolution consistently helps clients achieve better outcomes while safeguarding their bottom line. Ideal Accounts and Appetite This program is ideal for self-insured entities or clients utilizing SIR structures who want to improve claims oversight and reduce overall program costs. IPMG is particularly well-suited for: Public entities such as cities, towns, and counties School districts and other educational institutions Healthcare organizations and hospital systems Mid- to large-size commercial businesses with self-insurance components If you work with clients who are exploring self-insurance to control costs or already have a program in place but need better performance, IPMG provides the claims infrastructure and expertise to support them. Coverage Highlights and Advantages IPMG's Claims Management Services include a full suite of tools and support to enhance claims outcomes: Dedicated adjuster model for personalized service Online claims reporting and real-time access via our proprietary InSight portal 24-hour contact on all new claim submissions Quarterly claim file reviews and stewardship meetings Customizable service plans tailored to your client’s operational needs Compliance with Medicare Section 111 reporting requirements Integrated nurse case management and pharmacy drug card program Underwriting Notes and Minimum Premiums This is a non-admitted program tailored to self-insured and SIR-based clients. IPMG reviews each submission carefully to ensure alignment with their claims philosophy and service capabilities. While no set minimum premium is listed, the program is geared toward accounts with meaningful claims volume and complexity where specialized claims handling can add measurable value. Territories and Availability IPMG’s Claims Management Services are currently available in Florida, Illinois, Minnesota, Missouri, and Wisconsin. Brokers with clients operating in these states can take full advantage of IPMG’s regional expertise and responsive service model. Why Work With IPMG With a 95% client retention rate, IPMG has earned a reputation for transparency, results, and client-focused service. Their proprietary InSight platform gives your clients full visibility into claims progress, including notes, documentation, and financials. Regular stewardship meetings help ensure accountability and continuous improvement. Brokers appreciate IPMG’s commitment to integrity and long-term partnership. Whether you’re placing a new self-insured account or looking to improve outcomes for an existing one, IPMG’s Claims Management Services offer the tools and support to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for self-insured entities or those with SIR structures, including municipalities, school districts, healthcare systems, and mid- to large-size commercial businesses. What services are included in IPMG’s claims management offering?Services include online claims reporting, dedicated adjusters, quarterly reviews, nurse case management, Medicare compliance reporting, and access to the InSight portal for full claim transparency. Can IPMG handle claims in multiple states?Yes, IPMG currently provides Claims Management Services in Florida, Illinois, Minnesota, Missouri, and Wisconsin. How does IPMG help reduce claims costs for self-insured clients?By using aggressive claims handling, early intervention, and regular performance reviews, IPMG helps clients resolve claims efficiently and reduce loss costs over time. Is there a minimum premium requirement?There is no stated minimum premium, but the program is designed for accounts with significant claims exposure where specialized claims handling adds value. Need help placing an account? Connect with a market specialist.

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At J.M. Wilson Corp., we put our agents and their clients first. Our Habitational Insurance program is designed to help you place residential property accounts with coverage options tailored to a variety of housing types and unique exposures. Whether your client owns a single tenant-occupied dwelling or manages a multi-location apartment portfolio, we have markets to help you find the right fit. We partner with a range of A-rated carriers, offering both admitted and non-admitted options to provide flexibility and competitive solutions. Coverage is available as monoline, package, or umbrella policies, depending on your client's needs. Our experienced underwriters are ready to help you navigate complex risks and secure coverage efficiently. Ideal Accounts and Appetite We are actively seeking a wide range of habitational risks, including but not limited to: Student housing Shelters and halfway houses Apartment complexes (up to 500 units) Tenant-occupied 1–4 family dwellings Transitional housing and rehabilitation centers You might have a client who owns several student housing properties near a university or one who operates a transitional housing facility with counseling services—we can help you place these accounts with confidence. Coverage Highlights and Advantages Student Housing Policy Features: General and property liability Property extension options Loss of rent coverage Equipment breakdown protection Shelters and Halfway Houses Policy Features: Coverage for facilities offering room and board to victims of domestic violence and their children Overnight shelter for the homeless Voluntary admission drug or alcohol rehab centers Transitional housing with support services (e.g., counseling, job assistance) Soup kitchens operated independently or in conjunction with shelters Professional Liability Endorsement included at no additional cost Apartments Policy Features: Coverage for risks with multiple locations Up to 500 total units Limits up to $1M per occurrence / $2M aggregate Equipment Breakdown with complimentary boiler inspections where required Commercial Umbrella options available Dwellings Policy Features: 1 to 4 family tenant-occupied residences Named insureds can include Trusts, Estates, Limited or Family Partnerships Accepts prior loss history Automatic inclusion of liability supplemental coverage No mandatory roof exclusion Underwriting Notes and Minimum Premiums We understand that not every risk is perfect, which is why we offer underwriting flexibility on accounts with prior losses or unique ownership structures. Minimum premiums vary based on coverage type and risk characteristics. Contact us for a quick review of your client's situation. Territories and Availability This program is available in the following states: AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, VA, WI, and WV. Why Work With J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of expertise and strong carrier relationships to help you secure the right coverage for your clients. Our team is committed to fast, responsive service and underwriting support that makes complex habitational risks easier to place. For more information about our Habitational Insurance program, or any other program on CompleteMarkets, give us a call! Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson's Habitational Insurance program?We are a strong market for student housing, shelters, halfway houses, apartments (up to 500 units), and 1–4 family tenant-occupied dwellings. Can I submit risks with prior losses?Yes, prior losses are acceptable and will be reviewed during underwriting. We aim to provide solutions even for challenging risks. Is this program available on an admitted or non-admitted basis?We offer both admitted and non-admitted options depending on the risk and carrier availability in your state. What states is this program available in?We currently offer coverage in AL, AR, GA, IA, IL, IN, KS, KY, MI, MO, MS, NC, NE, OH, OK, PA, SC, TN, VA, WI, and WV. Are umbrella policies available through this program?Yes, we offer commercial umbrella coverage as part of our Habitational Insurance program for qualifying accounts. Need help placing an account? Connect with a market specialist.

Railroad Protective Liability Insurance Program from Victor O. Schinnerer & Company, Inc. Victor O. Schinnerer & Company, Inc. offers a specialized Railroad Protective Liability Insurance program designed to help contractors and property owners manage the unique risks associated with working on or near railroad tracks. As a trusted Managing General Underwriter with access to top-rated carriers such as Chartis, Schinnerer provides targeted insurance solutions that meet railroad requirements and protect your insureds from potential liabilities. Ideal Accounts and Appetite This program is tailored for entities that own, manage, or perform work on property intersected by or adjacent to railroad lines. Ideal accounts include: Contractors performing construction, maintenance, or utility work near railroad property Property owners with private grade crossings on their land Municipalities or private developers working on infrastructure projects that intersect railroad rights-of-way If you have a client who is contracted for a roadway improvement project that crosses active railroad tracks, or a private landowner with a rail crossing gate, this program can provide the necessary project-specific liability coverage. Coverage Highlights and Advantages The Railroad Protective program from Schinnerer offers comprehensive coverage designed to satisfy railroad indemnification requirements and protect against third-party claims arising from operations near railroads. Key features include: Project-specific policies tailored to individual contracts or jobs Coverage for private grade crossings located on private property Automatic inclusion of terrorism coverage Limits available up to $5 million per occurrence These features help ensure your clients remain compliant with railroad risk transfer requirements while gaining peace of mind during project execution. Underwriting Notes and Minimum Premiums Schinnerer has streamlined the underwriting process for this niche market, helping agents secure fast quotes and binders. Minimum premiums start at: $3,000 for contractor-related projects $1,250 for private railroad crossings Underwriters evaluate each submission based on the scope of work, project duration, proximity to the railroad, and other key risk factors. Territories and Availability This program is available in all 50 states and Washington, D.C., offering national access for agents and brokers with clients across the U.S. Admitted coverage is available, ensuring compliance and ease of placement in regulated markets. Why Work with Victor O. Schinnerer & Company, Inc.? With decades of experience in program administration and underwriting, Victor O. Schinnerer & Company, Inc. is a trusted partner for placing specialized liability risks. Their Railroad Protective Liability Insurance program combines expert underwriting, competitive pricing, and broad appetite to help agents meet the needs of clients involved in rail-adjacent projects. When you work with Schinnerer, you gain access to a responsive team and reliable carrier partnerships to help you secure the right protection for your railroad-exposed accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include contractors working near railroad property, property owners with private grade crossings, and developers involved in rail-adjacent infrastructure projects. Is this program available in all states?Yes, the Railroad Protective Liability Insurance program is available in all 50 states and Washington, D.C. What are the minimum premiums for this program?Minimum premiums start at $3,000 for contractor projects and $1,250 for private grade crossings. Does the policy include terrorism coverage?Yes, terrorism coverage is automatically included in the Railroad Protective Liability Insurance policy. What limits are available under this program?Limits are available up to $5 million per occurrence, depending on the specific project needs and underwriting review. Need help placing an account? Connect with a market specialist.

Fence contractors face distinct risks because their work is mobile and often performed around active job sites and occupied properties. From hauling materials to installing posts, panels, gates and hardware, exposures differ between residential and commercial jobs. Novatae Risk Group offers a dedicated General Liability Insurance program designed to help fence contractors manage those risks and meet the insurance requirements of project owners and general contractors. Through our partnership with Empire Underwriters, Novatae provides access to a specialized solution for small- to medium-sized fence installation contractors. Whether your client installs backyard vinyl fences or handles large-scale ornamental iron projects for commercial properties, our team can help place appropriate coverage with competitive terms and responsive underwriting. Ideal Accounts and Target Appetite This program is best suited for fence contractors with annual payrolls under $1,000,000 and a focus on installation and light fabrication. Targeted classes include: Residential and commercial fence installation Wood fence installation Vinyl fence installation Ornamental iron fence installation Custom gate fabrication and installation Typical fits: independent contractors and small firms performing installation work where fencing is not part of large-scale heavy civil or extensive excavation operations. Accounts with payrolls or project scopes above program limits, significant demolition/excavation exposure, or persistent adverse loss histories may fall outside our appetite. Coverage Features and Enhancements 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 features help your insureds satisfy common contract requirements while protecting operations from third-party claims for bodily injury and property damage arising from installation activities. Submission Requirements Completed ACORD applications 3 to 5 years of currently valued loss runs Fence contractor supplemental application Pollution — project-specific application, if applicable Minimum premiums start at $1,500. Submissions are reviewed promptly by our experienced wholesale brokerage team to accelerate placement and bind decisions. Admitted and Non-Admitted Options We place coverage through both admitted and non-admitted markets, including carriers rated as high as A-XV. This flexibility helps meet state-specific requirements and contract demands across a range of risk profiles. Available States This 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 wholesale broker with niche program access, Novatae Risk Group brings underwriting expertise and strong carrier relationships to each submission. We understand fence contracting operations and common contractual insurance requirements, so we help agents place business quickly and accurately. Example account scenarios: A small contractor who installs backyard vinyl and wood fences for homeowners and needs primary GL with additional insured endorsements. A regional installer providing ornamental iron fences and custom gates for commercial properties that requires per-project aggregate limits and primary/non-contributory wording. Our team assists with underwriting placement, tailoring endorsements where available, and answering coverage questions so you can compete for and close more accounts. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Fence Contractors accounts. Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this Fence Contractors program?This program is ideal for small to medium-sized fence contractors with less than $1,000,000 in annual payroll, especially those performing residential and light commercial installation work. What coverage enhancements are available?Enhancements include Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory wording, Per Project Aggregate limits, and limited Subsidence and Prior Projects coverage. Which states is this program available in?The program is available in 26 states, including CA, TX, FL, GA, and IL. Contact us to confirm availability in your client's state. What are the submission requirements?Submissions should include ACORD applications, 3–5 years of currently valued loss runs, the fence contractor supplemental application, and a pollution-specific application if applicable. Is this program written on admitted paper?We offer both admitted and non-admitted options through carriers rated up to A-XV, depending on state and risk profile. Need help placing an account? Connect with a market specialist.

Property Managers Insurance Errors and Omissions (E&O) Real estate agents and property managers share similar risk exposures, but they also face unique challenges that require tailored E&O solutions. At Donald Gaddis Company, we understand these differences and offer a flexible Property Managers Insurance program designed to meet the evolving needs of both professions. As more real estate professionals expand into property management—especially in coastal and resort markets—it’s vital they have proper E&O protection in place. Our program helps agents and brokers place this growing class of business with confidence. Ideal Accounts and Appetite Our program is ideal for: Residential real estate agents with occasional or ongoing property management activity Commercial property managers handling multifamily, office, retail, or mixed-use properties Agents managing rental properties for third-party owners in both urban and suburban markets This market is especially suitable for agents in resort areas, where selling and managing properties often overlap. Whether your client is a full-time property manager or a real estate agent taking on rentals during a slow sales cycle, we can help you find the right carrier and coverage. Coverage Highlights and Advantages Our E&O program covers a wide range of real-world exposures, including: Misrepresentation claims – such as incorrect school district or property disclosures Contract errors – including missed deadlines or mishandling of offers Third-party discrimination – coverage for tenant discrimination claims, often excluded under traditional policies Negligent referrals – liability for recommending other professionals like inspectors or appraisers Lock box incidents – sub-limits available for claims related to property access We help agents avoid gaps in coverage by identifying carriers that offer key enhancements and clearly defined terms. Our expertise can make the difference in ensuring your client is protected before a claim arises. Underwriting Notes and Minimum Premiums Pricing varies by geography and risk profile, but programs generally start around $400 for residential agents and $1,000 for commercial-focused agents. We work with a fluid list of carriers to offer competitive options and can assist in matching your client to an appropriate market based on their operations and exposure level. Territories and Availability This program is available in most states, including key markets such as CA, FL, NY, TX, and IL. Admitted options are available in many states, and we can help navigate availability depending on your client’s location and risk type. Why Work With Donald Gaddis Company? As a wholesale broker with deep experience in professional liability and niche E&O markets, Donald Gaddis Company is uniquely positioned to help agents and brokers place property management and real estate liability risks. We understand the nuances of these professions and offer strategic market access, responsive underwriting support, and guidance through complex policy language. Let us help you find the right solution for your client before a claim happens. Frequently Asked Questions What types of accounts are a good fit for this Property Managers Insurance program?This program works well for residential and commercial property managers, real estate agents with property management exposure, and firms managing third-party properties in urban, suburban, or resort areas. Does this program cover tenant discrimination claims?Yes, many carriers in our program offer coverage for third-party tenant discrimination, either by endorsement or exclusion modification. We help clarify how this applies to each policy. What is the minimum premium for this program?Minimum premiums typically start at $400 for residential-focused agents and $1,000 for commercial accounts, depending on location and exposure. Is this program available on an admitted basis?Yes, admitted options are available in most states. We can help determine availability based on your client’s operations and state. Which states is this program available in?The program is available in most states including CA, FL, TX, NY, IL, and others. Contact us to confirm availability in your insured’s specific location. Need help placing an account? Connect with a market specialist.

Our philosophy at J.M. Wilson is Customers First. At J.M. Wilson, we are committed to empowering independent insurance agents with flexible, responsive personal lines insurance solutions. As a trusted Managing General Agency with decades of experience and access to A-rated markets, we are positioned to help you place a wide variety of personal lines accounts—quickly and confidently. Our dedicated personal lines team specializes in finding the right coverage for your clients, even when risks fall outside of standard market appetites. We work closely with agents to ensure fast turnaround and accurate quoting, while providing hands-on support throughout the entire process. Ideal Accounts and Appetite We are currently seeing success with a broad range of personal lines accounts, including but not limited to: Dwelling/Fire insurance (including seasonal and rental properties) Homeowners insurance (including high-value homes) Personal inland marine (including contents in mini-storage units) Personal umbrella insurance (even for high-risk drivers) In-home business insurance Whether you’re working with a homeowner who needs additional coverage for valuables or a client with a unique personal liability exposure, our team is ready to assist. Coverage Highlights and Advantages Our personal lines program offers several advantages to help you win and retain clients: 24-hour quote turnaround—often same-day Direct bill options available for many personal lines accounts Online rating tools for convenience and speed Phone quotes and expert underwriting support Financing quotes available upon request All carriers we work with are A-rated We are focused on streamlining the quoting and binding process so you can deliver value to your clients with efficiency. Underwriting Notes Our underwriters are approachable, knowledgeable, and eager to help you navigate unusual or complex risks. We can assist with coverage questions, eligibility clarification, and finding solutions for clients who may not qualify for standard market placement. We do not have a set minimum premium, allowing for flexibility across a variety of risk sizes. Contact us for help evaluating specific accounts. Territories and Availability Our personal lines markets are available to agents in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We offer both admitted and non-admitted solutions, depending on the risk and carrier availability in your state. Why Work With J.M. Wilson? As a Managing General Agency with a strong focus on customer service, we’re here to support your agency’s success. Our personal lines team delivers speed, flexibility, and market access, backed by a commitment to helping you place more business with confidence. To learn more about our Personal Lines Insurance program or to start a quote, visit www.jmwilson.com. Frequently Asked Questions What types of accounts are a good fit for J.M. Wilson’s personal lines program?We focus on hard-to-place and specialty personal lines accounts, such as high-value homes, personal umbrella for high-risk drivers, and in-home businesses. How quickly can I expect to receive a quote?We typically provide quotes within 24 hours, and many are completed the same day. Are your personal lines markets admitted or non-admitted?We offer both admitted and non-admitted markets, depending on the risk and state-specific availability. Can you help with personal lines accounts that have been declined by standard carriers?Yes, we specialize in helping agents place accounts that may not qualify for standard market coverage. Do you offer direct billing on personal lines policies?Yes, many of our personal lines accounts are eligible for direct bill through our carriers. Need help placing an account? Connect with a market specialist.

Personal Safeguards Group, LLC specializes in Contractual Liability Insurance Policies (CLIP) and Service Contract Reimbursement Insurance Policies (SCRIP), providing tailored solutions for manufacturers, retailers, and service contract providers nationwide. These programs are essential tools for businesses offering extended warranties or service contracts in industries such as automotive, consumer electronics, jewelry, appliances, fitness equipment, LED lighting, generators, marine, RV, and solar energy systems. If you work with clients who offer service contracts—such as a car dealership selling extended warranties or a solar panel installer offering long-term service agreements—this program helps them transfer risk and ensure compliance with financial responsibility regulations. Personal Safeguards Group works closely with agents and brokers to evaluate the structure of each service contract program and place appropriate coverage through top-rated insurers. Ideal Accounts and Appetite This program is designed for: Manufacturers and retailers offering extended product warranties Administrators of service contract programs Automotive dealerships with vehicle service contract (VSC) programs Providers of warranties on appliances, electronics, jewelry, and more Whether your client is launching a new service contract program or needs support for an existing portfolio, Personal Safeguards Group can help structure a compliant and sustainable insurance solution. Coverage Highlights and Advantages The Contractual Liability Insurance and Service Contract Reimbursement Insurance programs offer: Protection for financial obligations under service contracts and warranties Customizable policy structures based on client needs and program design Support for compliance with regulatory and licensing requirements Access to markets that understand the extended warranty and service contract space These coverages ensure that your clients’ customers receive the service they’ve been promised—even if your client experiences financial stress. Underwriting Notes Underwriting typically considers factors such as: Product type and service contract structure Sales volume and claims history Administrative controls and reserve funding Personal Safeguards Group will work with you to gather the necessary documentation and program details to evaluate the risk and present it to appropriate markets. This is a non-admitted program, which allows for flexibility in policy structuring depending on the client's needs. Territories and Availability This program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, PA, GA, and WA. Personal Safeguards Group provides nationwide support with the exception of states with unique regulatory challenges, which can be reviewed on a case-by-case basis. Why Work With Personal Safeguards Group? With deep expertise in the service contract and warranty space, Personal Safeguards Group is not just a placement partner—they’re a strategic advisor. Their focus on CLIP and SCRIP products means they understand the nuances of these programs and can help you craft competitive and compliant insurance solutions for your clients. For more information on Service Contract Reimbursement Insurance: http://www.personalsafeguardsgroup.com/files/SCRIP.html http://servicecontractreimbursementinsurance.com https://contractualliabilityinsurance.com Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, retailers, and service contract administrators offering extended warranties for vehicles, electronics, appliances, jewelry, and similar products. Can this program help a client launch a new service contract offering?Yes. Personal Safeguards Group can help structure insurance solutions for new service contract programs and ensure regulatory and financial responsibility requirements are addressed. Is this program admitted or non-admitted?This is a non-admitted program, allowing for flexible policy design tailored to the needs of service contract providers and administrators. In which states is this program available?The program is available in most U.S. states, including CA, TX, FL, NY, GA, IL, and over 40 others. Availability may vary based on regulatory considerations. Does Personal Safeguards Group help with compliance and program structure?Yes. They offer advisory support to help ensure your clients’ service contract programs are structured in a compliant and financially sound way. Need help placing an account? Connect with a market specialist.

...ce providers, which is especially helpful in today’s gig and freelance economy...