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Workers Compensation Solutions for Hotels and Motels Insurance Program Managers Group (IPMG) offers a dedicated Workers Compensation Insurance program tailored specifically for hotels and motels. Whether your client operates a small roadside inn or a large hotel chain, IPMG provides access to strong markets, deep industry expertise, and the responsive service you need to place and manage workers compensation coverage with confidence. Ideal Accounts and Appetite This program is designed for a wide range of hospitality operations, including: Hotels, motels, and extended-stay properties Independent and franchised operations Start-up businesses in the hospitality sector Accounts with high Experience Modification Ratings (EMRs) IPMG welcomes both clean and challenged risks. If you have a client with prior losses or a higher-than-average mod, this program may still be a viable solution. Start-ups are accepted, making this an excellent fit for new hospitality ventures seeking workers compensation coverage from day one. Coverage Highlights and Advantages Minimum premium starting at $500 in most states Access to A- rated carriers or better Flexible underwriting for high-mod and distressed accounts Responsive service and support throughout the policy lifecycle Competitive pricing through a broad network of markets With IPMG, you get more than just access to markets—you gain a strategic partner who understands the unique risks and staffing dynamics in the hospitality industry. Submission Requirements and Underwriting Notes To get started on a quote, please submit the following: Completed Accord application with a detailed description of operations Currently valued loss runs (if applicable) Current Experience Modification Rating (if applicable) IPMG works to provide fast, accurate turnaround on submissions, helping you deliver results to your insureds quickly. Territories and Availability This program is available in most states, including high-demand hospitality markets such as California, Florida, Texas, New York, Illinois, and more. IPMG currently writes in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, DC Markets include both admitted and non-admitted options, depending on the account and state requirements. Why Work With IPMG? As a trusted wholesale broker with deep experience in specialty workers compensation programs, IPMG brings you the tools and underwriting access you need to write hospitality business effectively. Whether you're placing a brand-new account or trying to help a challenged client improve their coverage, IPMG's responsive team and flexible carrier relationships can help you find the right fit at a competitive premium. Partner with IPMG and deliver value-added solutions to your hotel and motel clients today. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets hotels, motels, and extended-stay properties, including start-ups and accounts with higher experience mods. Is coverage available for new businesses or start-ups?Yes, IPMG accepts start-up hospitality operations as long as proper underwriting information is provided. What are the submission requirements for a quote?You’ll need to submit an Accord application with a description of operations, currently valued loss runs, and a current Experience Mod rating if available. Are distressed accounts with high mods eligible?Yes, IPMG has markets that can consider accounts with higher-than-average mods, depending on the overall risk profile. In which states is this program available?The program is available in most states, including CA, FL, TX, NY, IL, and others. A full list is provided in the program description. Need help placing an account? Connect with a market specialist.

Excess Liability Insurance Insurance Program Managers Group (IPMG) offers agents and brokers access to robust Excess Liability Insurance solutions designed to help insureds manage high-limit exposures across a wide range of industries. Whether your client needs extended coverage above their primary policies or layered protection for more complex risk profiles, IPMG has the market access and underwriting flexibility to support your placement needs. Ideal Accounts and Appetite This program is available for hundreds of business classes, making it a flexible solution for a wide variety of commercial clients. Target accounts include businesses with heightened liability exposures in sectors such as construction, hospitality, transportation, manufacturing, and more. Example scenarios that fit well with this program include: A contractor who needs $10M in excess coverage layered above GL and auto to meet jobsite requirements. A hospitality client with liquor liability exposure looking to secure higher limits for umbrella protection. Coverage Highlights and Advantages Limits available up to $10,000,000 in-house, with higher amounts accessible through brokerage markets. Both primary and layered excess options are available based on account needs. Admitted and non-admitted options provided to meet underwriting and regulatory requirements. Underlying coverage types include General Liability, Auto Liability, Employer’s Liability, and Liquor Liability, among others. Backed by A-rated carriers for financial strength and claims reliability. Underwriting Notes and Minimum Premiums Minimum premiums typically range from $500 to $750 per layer, depending on the class of business and limit structure. IPMG works closely with agents to assess risk and build custom solutions that meet the insured’s risk tolerance and budget. Territories and Availability This program is available in the following states: Florida (FL), Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Admitted paper may be available in some of these states, with non-admitted options ready for more complex or higher-risk placements. Why Work With IPMG IPMG brings industry expertise and strong carrier relationships to help agents place tough-to-insure accounts with confidence. Their responsiveness, underwriting support, and flexibility make them a valuable partner for agents seeking tailored excess liability solutions. Whether you're working with standard exposures or more challenging risks, IPMG is positioned to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?IPMG’s Excess Liability Insurance program fits a wide range of commercial clients, especially those in construction, hospitality, transportation, and manufacturing with significant liability exposures. What is the minimum premium for this program?Minimum premiums typically range from $500 to $750 per layer, depending on the class of business. Is this coverage available on an admitted basis?Admitted and non-admitted options are available, depending on the state and the specific risk characteristics of the account. What underlying coverages are supported?The program supports a variety of underlying coverages, including General Liability, Auto Liability, Employer’s Liability, and Liquor Liability. Which states is this program available in?This program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Need help placing an account? Connect with a market specialist.

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