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Home Health Care Insurance Program from IPM...rvice providers operating in clients’ homes. Is this program available on an a...

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Overview — IPMG Nursing Home Insurance and Risk Management IPMG provides dedicated Nursing Home Insurance and Risk Management solution...ning—which are integral to our senior care solutions and can be offered as par...

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Workers Compensation Insurance for Garbage Haulers from IPMG Insurance Program Managers Group (IPMG) offers a specialized Workers Compensation program tailored to the risks faced by garbage haulers and waste removal businesses. Designed for both commercial and residential operations, this program helps agents place challenging accounts with access to multiple markets and underwriters who understand the unique exposures of the industry. Ideal Accounts and Appetite This program is a strong fit for garbage haulers and waste removal contractors with at least two years of prior workers compensation coverage. IPMG considers accounts with elevated experience modification factors and can handle a range of operations—from small residential pickup services to regional fleets of roll-off and rear-loader trucks. Examples of suitable accounts include: A regional hauler providing residential curbside pickup across several counties. A commercial waste management firm handling refuse collection for industrial and retail clients. Coverage Highlights and Advantages IPMG combines wholesale brokerage expertise with deep workers compensation knowledge to place accounts where traditional markets may struggle. The program focuses on practical placement solutions to protect employees who perform heavy lifting, operate collection vehicles, and work in collection and disposal environments. Key benefits: Access to admitted and non-admitted markets as appropriate for the risk and state. Ability to consider high experience modification ratings. Responsive underwriting and quoting to help you get timely decisions for clients. Supportive service for both agents and insureds throughout placement. Underwriting Notes and Minimum Premiums To streamline submissions and improve placement success, IPMG typically asks for the following: Minimum premium threshold of $20,000. At least two years of prior workers compensation coverage. Complete submission packet including: Accord application with a clear description of operations and vehicle counts. Currently valued loss runs (if applicable). Current Experience Modification Rating (if applicable). IPMG will evaluate operations, payroll distribution by class code, fleet makeup, and loss history to determine the best market fit. Both admitted and non-admitted placements are available depending on state eligibility and carrier appetite. Territories and Availability This workers compensation 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. Why Work With IPMG? As a wholesale broker focused on workers compensation, IPMG provides agents with market access and technical underwriting support to place difficult garbage hauler risks. Their experience placing accounts with higher experience mods and their relationships across admitted and non-admitted carriers help you secure competitive solutions for your clients. You might approach IPMG when you have a client who has been declined by standard markets due to a poor loss history or large fleet size, or when you need multiple market options quickly to compare terms. IPMG’s responsive quoting and service model are designed to help you close placements efficiently. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program? Garbage haulers involved in commercial or residential waste removal with at least two years of workers compensation coverage are ideal. The program also considers accounts with higher experience modification factors. Is there a minimum premium requirement? Yes. The program generally requires a minimum premium of $20,000. What do I need to submit for a quote? Provide a completed Accord application describing operations, currently valued loss runs (if available), and the current Experience Modification Rating (if applicable). Vehicle counts and payroll by class code are helpful. Which states is this program available in? IPMG’s garbage hauler workers comp program is available in AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA. Does IPMG work with both admitted and non-admitted markets? Yes. IPMG has access to both admitted and non-admitted carriers and will seek the best placement based on the client’s risk profile and state eligibility.

Workers Compensation Solutions for Bars and Taverns Insurance Program Managers Group (IPMG) offers specialized Workers Compensation insurance markets designed specifically for bars and taverns across the United States. Whether your client is launching a new establishment or managing a long-standing neighborhood pub, IPMG delivers competitive pricing, underwriting expertise, and responsive service tailored to this niche. We understand the unique challenges in the hospitality sector. Our program is built for agents and brokers seeking comprehensive Workers Compensation solutions for clients in the bar and tavern industry — with access to multiple carriers and flexible underwriting options. Ideal Accounts and Appetite This program is ideal for: Neighborhood bars and pubs Sports bars Cocktail lounges Taverns with live entertainment (excluding nightclubs) Note: Nightclubs and gentlemen’s clubs are not eligible for this program. You might have a new bar owner seeking affordable startup coverage or an experienced operator with prior losses looking for flexible options — IPMG can help with both. Coverage Highlights and Advantages Access to A-rated carriers or better Markets available for high experience mods Premiums starting at $500 and scaling to $1M+ Startup businesses accepted Our carrier partners vary by state, allowing us to match your client’s risk with the most competitive and appropriate market available. Underwriting Requirements To begin the underwriting process, please submit the following: Completed ACORD application with a detailed description of operations Currently valued loss runs (if applicable) Current Experience Modification Rating (if applicable) Territory and Availability This program is available in the following states: AK, AL, AR, AZ, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MS, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, and DC. Coverage is offered through both admitted and non-admitted markets, depending on state-specific availability and risk characteristics. Why Work With IPMG? As a wholesale broker with deep experience in Workers Compensation for hospitality businesses, IPMG brings unmatched knowledge and market access to the table. Our team is focused on delivering exceptional service to both agents and their clients. We help you find the best fit at the most competitive premium — no matter the size or complexity of the account. Partner with IPMG and give your bar and tavern clients the Workers Compensation protection they need — with the confidence that comes from working with a trusted, experienced wholesale broker. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for bars, taverns, sports bars, and cocktail lounges. Nightclubs and gentlemen's clubs are excluded. Can startup businesses be considered?Yes, IPMG accepts startup bar and tavern operations with the appropriate underwriting information. What documentation is required to submit a quote?You'll need a completed ACORD application with a description of operations, currently valued loss runs (if applicable), and the current Experience Modification rating (if available). Are high experience modification factors acceptable?Yes, IPMG offers markets that can accommodate higher experience mods. In which states is this program available?The program is available in over 35 states, including FL, TX, IL, GA, and many others. Availability may vary by carrier and risk profile. Need help placing an account? Connect with a market specialist.