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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.

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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Commercial Inland Marine Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Commercial Inland Marine Insurance program designed to meet the needs of businesses with property exposures that move or are not confined to a fixed location. This program is ideal for hard-to-place inland marine risks and provides flexible coverage options for agents and brokers seeking specialized solutions for their commercial clients. Ideal Accounts and Target Classes This inland marine program targets a wide variety of industries and property types. Coverage is available for both small and mid-sized accounts and includes first-dollar coverage options. You can confidently place accounts in the following classes: Accounts Receivable Bailee Coverage Builders' Risk Communication Towers and Equipment Computer Coverage Contractors Equipment Commercial Floaters Dealers Inventory Exhibitions and Fine Arts Furriers Installation Floaters Jewelers Block Medical Equipment Motor Truck Cargo Transportation Equipment Trip Transit Valuable Papers Warehouse Legal Liability Whether your client is a contractor transporting equipment between job sites, a fine art exhibitor, or a medical supply distributor, this program offers tailored solutions to protect their mobile assets. Coverage Highlights and Advantages The Commercial Inland Marine program offers broad, inland marine coverage for property in transit, movable property, and items that are difficult to insure under standard property forms. Coverage includes: Property in transit over land Property under construction Computerized equipment Legal liability for bailees Instrumentalities of transportation and communication Many policies are written on a "floater" basis, providing coverage regardless of the property's location. For clients seeking bundled solutions, a Commercial Package option is available, which includes: Commercial Property General Liability Crime Coverage Business Interruption Underwriting and Premium Flexibility For small and mid-size accounts, First Choice offers first-dollar coverage without high deductibles, making this program accessible for a wide range of business sizes. Premium financing is available, helping your clients manage cash flow while securing the protection they need. Territories and Admitted Status This program is available in a wide range of states, including AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Some admitted markets are available depending on the state and class of business. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. offers access to specialized inland marine markets and underwriting expertise that can help you place complex or mobile property risks quickly and efficiently. Their program is designed with flexibility in mind, ideal for agents and brokers seeking responsive service and comprehensive inland marine solutions across a range of industries. To learn more about the program or to explore appetite for a specific risk, visit the First Choice Insurance Intermediaries company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors, builders, transporters, jewelers, art exhibitors, and businesses with property frequently in transit or located at multiple sites. Is this program available for small businesses?Yes. First Choice offers first-dollar coverage options designed for small and mid-sized accounts, making it accessible for a wide range of business sizes. Does this program include coverage for property under construction?Yes. Builders' Risk coverage is part of the program and is suitable for insuring structures and materials during construction or renovation. Are policies written on an admitted basis?Some admitted markets are available depending on the state and type of risk. Availability varies by jurisdiction and class of business. Which states is the program available in?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.

Tree Trimmers Workers Compensation Insurance From IPMG I...ons with at least two years of prior workers’ comp coverage. Accounts with hig...