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The Gapper makes analyzing policies, identifying basic coverage gaps and related potential gap dollar exposures a snap. When you deliver The Gapper report to your prospect, your odds of becoming their broker of record just increased exponentially -- the competition will not know what hit 'em! Benefits Subscribers tell us these are the most common reasons you can rely on The Gapper. Close more accounts faster Round out more needed coverage to existing accounts by identifying additional exposures Differentiate yourself with more resulting Broker of Record Letters Write more new business throughout the year rather than just chasing expiration dates Retain more current customers E&O Protection The Gapper™ is a web-based commercial insurance coverage gap finder that will help you grow your book easily, quickly, efficiently, and blow away the competition! Stop Quoting and Start Winning! In short, The Gapper™ will totally differentiate your agency from the competition, increase your profitability, and dare we say… make the business fun again!

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...and risk-management solutions for public entities across Illinois. Administere... independent insurance agents. What services are included along with insurance...

...al care, companion and homemaker services Home-based therapy providers (ph...ncy expanding into in-home infusion services that needs professional liability...

... particularly well-suited for: Public entities such as cities, towns, and c...urrently provides Claims Management Services in Florida, Illinois, Minnesota, ...

Environmental Insurance IPMG provides access to comprehensive Environmental Insurance markets so agents and brokers can place coverage for a wide range of environmentally exposed businesses. Whether your client is an environmental contractor, a non-environmental service provider with incidental pollution exposures, or a hazardous materials transporter, IPMG can help you identify the right market and structure to protect them. This program is designed to meet the growing need for customized environmental solutions across multiple industries. With access to both admitted and non-admitted markets, IPMG delivers flexible options tailored to pollution liabilities, site risks, transportation exposures, contaminated property, and related environmental claims. Targeted Classes Primary classes that fit this Environmental Insurance program include: • Environmental Consultants • Environmental and Restoration Contractors • Non-environmental Contractors with incidental pollution exposures • Transportation and logistics companies handling environmental products • Site Risks — any class of occupancy or use • Manufacturers • Healthcare and Medical Facilities • Real Estate Owners and Developers • Municipalities, Schools, and Universities • Oil & Gas operations • Underground and Above Ground Storage Tank operators Coverage Highlights Available coverages through IPMG include: • Contractors Pollution Liability (CPL) • Professional Liability for consultants and service providers • Transportation Pollution Liability • Site Pollution Liability — for both waste and non-waste operations • Coverage for Mold, Asbestos, and Lead exposures • Commercial General Liability • Commercial Excess Liability Underwriting Notes and Minimum Premiums Minimum premiums start at $1,500, making this program accessible for small to mid-sized accounts. IPMG evaluates each submission on its merits and works with brokers to tailor limits, extensions, and forms to the client’s operations and exposure level. Appetite includes both new ventures and established firms with environmental risk components; higher hazard operations will be considered on a case-by-case basis with fuller underwriting information. Available Territories This Environmental Insurance program is currently available in: Arkansas (AR), Florida (FL), Iowa (IA), Illinois (IL), Indiana (IN), Missouri (MO), Ohio (OH), and Wisconsin (WI). Why Work With IPMG? IPMG is a wholesale broker with focused expertise in environmental insurance. Their underwriting team understands pollution exposures and the specialty markets that write them. Working with IPMG provides: • Market access to admitted and non-admitted carriers experienced in environmental risks • Tailored placement strategies for site, contractor, transportation, and professional exposures • Practical guidance on submissions and documentation to streamline placement Example scenarios where this program is a strong fit: • You represent a developer converting older industrial sites to mixed-use projects — IPMG can help secure site pollution liability for legacy contamination and redevelopment risks. • You have a small plumbing or general contractor who occasionally handles mold or lead remediation — the program can provide Contractors Pollution Liability to address incidental pollution exposures that standard GL may exclude. Partner with IPMG to access markets that understand environmental complexity and to place tailored solutions for your clients’ environmental exposures. Frequently Asked Questions What types of accounts are a good fit for IPMG's Environmental Insurance program? This program is well suited for environmental contractors, consultants, transportation firms, manufacturers, healthcare facilities, real estate developers, and other insureds with pollution exposures. Are non-environmental contractors eligible for coverage? Yes. Non-environmental contractors with incidental pollution exposures—such as general contractors or plumbers—may qualify for Contractors Pollution Liability and related coverages, depending on scope of work and controls in place. What is the minimum premium for this program? Minimum premiums start at $1,500, though final pricing depends on class, operations, limits, and underwriting details. Is this program available in all states? No. IPMG currently offers this Environmental Insurance program in AR, FL, IA, IL, IN, MO, OH, and WI. Does IPMG place business in both admitted and non-admitted markets? Yes. IPMG has access to both admitted and non-admitted markets and will recommend the best placement based on the risk profile and client needs. Need help placing an account? Connect with a market specialist.

...with a focus on long-term client relationships If you're looking for a re..., and nonprofits offering community services. Can start-up operations apply fo...

...der, defamation, or unintentional publication of private data. Inf...nsurance agencies, and professional services firms. Can this coverage extend t...

...ant coverage for a broad range of public-facing and mission-driven organizatio...unts are a good fit for this program?Public-facing organizations with exposure...