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Lawn Care Services, Tree Trimming, and Rela...m is designed for businesses offering lawn care, landscaping, sprinkler system services, tree trimming and removal, and p...

Even the most experienced lawn care professionals know that accidents...king it a suitable option for smaller lawn care businesses. What submission documen...

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Home Health Care Insurance Program from IPMG Insuranc...h medical and non-medical home health care providers, such as skilled nursing agencies, personal care aides, and therapy service provider...

IPMG (Insurance Program Managers Group) offers a specialized Crime Coverage Insurance program that helps agents and brokers place standalone protection for clients that face financial loss from criminal acts. Through IPMG’s relationships with multiple E&S markets, you can access monoline crime solutions tailored for private and publicly traded companies, not-for-profits, and public entities. Ideal Accounts and Appetite This program is designed for insureds that need a dedicated crime policy as part of their enterprise risk management. Target classes include: Mid- to large-size private or public companies with significant cash handling, receipting, or electronic transaction volume Municipalities and other public entities exposed to internal or external fraud risks Not-for-profit organizations that handle donations, grants, or other funds vulnerable to employee dishonesty You might have a client such as a regional nonprofit with multiple fundraising channels or a local government office with decentralized cash handling—both would benefit from a monoline crime program placed through IPMG. Coverage Highlights and Advantages IPMG’s Crime Coverage Insurance program offers broad protection for a full range of crime exposures: Employee Theft and Employee Dishonesty Forgery and Alteration of checks, credit card receipts, and other negotiable instruments Theft, Disappearance and Destruction (on and off premises) Computer Fraud and Funds Transfer Fraud Money Orders and Counterfeit Currency losses Key policy features and options: Primary and excess limits available to build layered programs Discovery form wording Worldwide coverage options where appropriate Limits available up to $10 million, subject to underwriting The program is structured to address both internal threats (employee dishonesty, collusion) and external schemes (cyber-assisted fraud, social engineering, forged instruments). Underwriting Notes and Minimum Premiums As a managing general agency and E&S broker, IPMG underwrites accounts with flexibility based on complexity and exposures. Preferred submissions include: Recent financials and loss runs Description of internal controls, segregation of duties, and treasury procedures Details on electronic payment and funds transfer processes Minimum premiums vary by class, limits, and coverage scope—submitters should expect underwriting questions about controls and loss history to determine pricing and eligibility. Territories and Availability This non-admitted program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Agents and brokers writing business in these states can access IPMG’s E&S markets for competitive placement options. Why Work With IPMG? IPMG combines niche commercial program experience with direct access to multiple excess & surplus markets. That means: Responsive underwriting geared to complex or unusual crime exposures Flexible placement options, including primary and excess layers A partnership approach for agents—IPMG supports submissions, negotiates terms, and helps structure limits and retentions Whether you’re placing a municipality, a multi-site nonprofit, or a growing company with heavy transaction volume, IPMG can help secure tailored crime protection where admitted markets may not be available or sufficient. Give us a call for more information about IPMG's Crime Coverage Insurance! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include private and public companies, municipalities, and nonprofits that handle significant cash flows or financial transactions and need protection against fraud, theft, or employee dishonesty. Is this coverage available on an admitted basis?No. This program is offered on a non-admitted basis through multiple E&S markets accessed by IPMG. What is the minimum premium for this program?Minimum premiums vary depending on the risk profile, selected limits, and coverage options. Contact IPMG for specific underwriting guidance and premium indications. Can this policy be written as excess over another crime policy?Yes. IPMG can provide both primary and excess limits to create layered coverage structures when appropriate. 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.

Specializing in small to mid-size risks, from traditional to hard to place, our Property and Casualty division can help you. Over the years we have developed the expertise to solve your client’s property risk challenges and have the niche to meet their needs. Your client has specific needs when it comes to their Property and Casualty needs, and we can deliver! Aside from delivering creative solutions, dedication, and experience in the Property and Casualty industry; we also offer you and your client with: • Determination • Problem Solving • Devotion • Service • Choices We understand that you and your client are busy and need impeccable service, so our team members at AP Advantage will provide you and your clients with nothing less. Our persistence doesn’t stop until we have successfully placed your client’s risk Regardless of the risk, your client can be held responsible and without the proper protection they can lose everything they have worked so hard to accomplish. We can solve any problem across the board for any Property and Casualty and Professional Liability risks in addition to providing multiple quotes for many risks. Our Target Classes Include: • Condominiums/Apartments -Commercial Real Estate • Artisan Contractors • Lessor’s Risk • Motels • Hotels • Garage Liability • General Liability • Liquor Liability • Manufacturing • Property • Owner’s Interest • Restaurants • Bars • Taverns • Product Liability • Underground Storage Tanks • Excess Liability/Umbrella • Workers Compensation • Vacant Buildings Our dedicated Property and Casualty team can provide you and your client with a quick turnaround quote written on admitted or non-admitted paper. You will receive consistent, exceptional service, no matter how small the account is. For any questions you have, please give us a call to learn about what we can offer.