Search CompleteMarkets

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Exercise Studio Insurance program designed for a wide range of health and fitness businesses. This program provides comprehensive Property and Liability coverage on a mono-line or package basis, making it flexible and easy to tailor to your clients’ needs. Ideal risks include exercise equipment clubs, aerobic studios, weightlifting gyms, personal trainers, massage parlors, dance studios, and physical therapists. Childcare services offered on premises for club members are also covered. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary Limits available up to $3,000,000 per occurrence / aggregate Liquor Liability (where applicable) Hired and Non-Owned Auto coverage Excess or Umbrella Limits up to $25,000,000 Included Endorsements and Features: Medical Payments Coverage – $5,000 Limit Blanket Additional Insured Endorsement Club Members included as Additional Insureds Errors and Omissions Coverage – up to policy limits Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (optional higher limits available) No deductible required Loss Prevention Brochure provided Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown and Food Spoilage Inland Marine and Valuable Papers Outside Signs Accounts Receivable Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property – Inside the Premises Theft and Robbery – Outside the Premises Ideal Accounts and Appetite This program is an excellent fit for small to mid-sized fitness-related businesses that require both liability and property protection. You can confidently place accounts such as: A suburban dance studio with part-time instructors and a modest inventory of sound equipment A boutique personal training gym offering massage services and member childcare A yoga or Pilates studio looking for Errors and Omissions and Abuse & Molestation coverage Businesses offering high-risk activities like rock climbing or martial arts may fall outside of appetite—check with underwriting for clarification. Underwriting Notes Colonial General works with a range of carriers (markets vary) and can access both admitted and non-admitted options depending on the account and state. No deductible is required for standard policies, and abuse coverage can be increased upon request. Minimum premiums may vary—contact underwriting for specifics on your client’s risk profile. Territories and Availability This Exercise Studio Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers deep experience in niche commercial programs. Their Exercise Studio Insurance program is structured to help agents efficiently place fitness and wellness business with tailored coverage options and competitive limits. From streamlined underwriting to value-added resources like loss prevention materials, Colonial General supports agents in delivering strong solutions for fitness-related risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include exercise studios, personal training gyms, dance studios, massage parlors, and physical therapy offices. Facilities that offer member childcare or wellness services are also eligible. Is childcare coverage included in the policy?Yes, coverage is available for childcare provided to club members while on the premises, subject to underwriting approval. Can I get Abuse and Molestation coverage with higher limits?Yes, the standard policy includes $25,000 per claim and $50,000 aggregate, but higher limits are available upon request. In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available for General Liability?Primary limits up to $3,000,000 occurrence/aggregate are available, with excess or umbrella coverage up to $25,000,000. Need help placing an account? Connect with a market specialist.

Policy Highlights — Church Insurance Colonial General Insurance Agency, Inc. offers a dedicated Church Insurance program designed for houses of worship and related operations. The program is available on a mono-line or packaged basis and is underwritten with features agents need when placing church, parish, chapel, and other faith-based risks. Overview of the Program This program provides primary and excess liability capacity, property coverage options, crime protection, and specialized liability extensions that matter to congregations — including clergy counseling E&O and coverage for daycare/preschool operations. Colonial General places business in admitted and non-admitted markets depending on state and risk characteristics (Some Available Markets). Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence/aggregate. Specialized Liability Extensions: Clergy counseling Errors & Omissions and E&O for daycare/preschool operations. Abuse Coverage: Sexual/physical abuse limits available — typically $100,000 per claim / $300,000 aggregate (limits vary by market). Included Protections: Medical payments ($5,000), additional interests, and options for excess/umbrella limits up to $25,000,000. No deductible required on certain liability placements (subject to carrier and state availability). Property: Basic, Broad, or Special forms for building, contents, business income, computer equipment, equipment breakdown, fine arts floaters, food spoilage, outside signs, valuable papers, and options for replacement cost or actual cash value. Crime: Inside-the-premises theft of money and securities; inside robbery or safe burglary of other property; and outside-the-premises theft coverage. Ideal Accounts and Appetite This program works best for small to mid-size congregations and worship facilities that operate typical religious services, community outreach programs, fellowship events, and optional childcare/preschool activities. Appetite includes: Parishes, churches, chapels, and mission sites Facilities with on-site daycare or preschool programs Properties with fine arts, historic elements, or volunteer-run programs Accounts with recent or multiple severe sexual abuse claims, uncontrolled volunteers with unsupervised access to children, or very large exposures may require supplemental underwriting or placement in specialty markets. Underwriting Notes Admitted vs. non-admitted availability varies by state and the insured’s loss history; Colonial General can access admitted carriers in some markets and E&S capacity where needed. Detailed information about childcare operations, background checks, volunteer screening, building values, and protection systems will accelerate quotes. Minimum premiums and binding thresholds depend on the carrier selected; submit full ACORD applications and current loss runs for prompt review. Territories and Licensing Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage offerings, admitted status, and specific limits vary by state and carrier. Why Place Church Business with Colonial General As a Managing General Agency and Excess & Surplus lines broker, Colonial General combines targeted church underwriting with access to multiple admitted and E&S markets. The program’s strengths are its specialized liability extensions (clergy counseling E&O and daycare E&O), abuse coverage options, flexible property forms, and significant umbrella capacity. Colonial General is positioned to help brokers find tailored solutions for faith-based clients where standard markets may be limited. Example Accounts A suburban church with a 150-person congregation, weekday preschool program, and community outreach events — needs primary liability, abuse coverage, and E&O for counseling staff. A rural historic chapel with valuable artwork and a small volunteer-run food pantry — needs special-form property with a fine arts floater and crime coverage for donation handling. Frequently Asked Questions What types of church accounts fit this program?Small to mid-size houses of worship, chapels, and mission sites that run services, community programs, and optional childcare/preschool operations are a good fit. The program is built for congregations that need specialized liability extensions like clergy counseling E&O and abuse coverage. Which states and admission options are available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can access admitted carriers in some markets and E&S capacity where necessary; availability depends on the state and the specific risk profile. Do you offer abuse and clergy counseling coverage?Yes. The program offers sexual/physical abuse limits (commonly listed as $100,000 per claim / $300,000 aggregate in many markets) and clergy counseling E&O. Exact limits and terms depend on the carrier and underwriting review. What underwriting information speeds a quote?Provide a completed ACORD application, current loss runs, details on childcare operations and volunteer screening, building values and protection systems, and any contracts or rental exposures. These items help underwriters place the risk efficiently. Is property coverage available on replacement cost?Yes. Property can be written on replacement cost or actual cash value, with form options including Basic, Broad, or Special and add-ons such as equipment breakdown, fine arts floaters, and business income. Need help placing an account? Connect with a market specialist.

...nonprofits, counseling centers, residential care facilities, and more. Idea...ations such as counseling centers, residential care facilities, behavioral hea...

...ement. The program accommodates residential, commercial, and light industrial ...ensed pest control firms providing residential, commercial, or light industria...

...cant buildings — commercial and residential Personal property Builders...

At Insurance Program Managers Group (IPMG), we know the challenges brokers face when placing commercial auto risks. Our Commercial Auto Insurance team works with independent agents to find practical solutions—offering access to both admitted and surplus lines carriers and providing fast, market-savvy service from submission through binding. Overview of the Program From IPMG IPMG’s Commercial Auto program supports agents and brokers placing a broad range of auto-related risks. We place small fleets, specialty vehicles, public autos and short-haul trucking through respected carriers, including Colony and Catlin. Our brokerage team provides hands-on guidance throughout the underwriting process to help place accounts efficiently and keep turnaround times short. Ideal Accounts and Appetite We target a wide variety of commercial auto classes, including: Public auto (shuttle vans, livery, transportation services) Dump trucks and aggregate haulers Contractor fleets and service vans Local and short-haul trucking operations Typical examples you may bring to IPMG: a small construction company in Missouri operating a fleet of dump trucks, or an Illinois contractor seeking combined liability and physical damage for service vans. We evaluate each submission to match the account with the best admitted or surplus market. Coverage Highlights and Advantages The program provides primary commercial auto coverages including liability, physical damage, medical payments, and hired/non-owned auto exposures. With availability in both admitted and non-admitted markets, IPMG can place standard risks as well as harder-to-place accounts. Our strengths include established carrier relationships, flexible placement options, and underwriting that balances coverage needs with competitive terms. Underwriting Notes and Minimum Premiums IPMG’s minimum premium for this program starts at $500, making it appropriate for smaller fleets and startup operations. Underwriters evaluate exposures such as loss history, vehicle types, driver qualifications, and radius of operations. We work with brokers to identify appropriate risk controls and to package submissions for the best carrier fit. Territories and Availability This Commercial Auto program is currently available in Illinois (IL) and Missouri (MO). IPMG uses both admitted and surplus lines markets to provide flexibility across a range of risk profiles in these states. Why Work With IPMG? IPMG combines deep carrier relationships with a pragmatic approach to commercial auto placement. We focus on helping independent agents protect and grow their client relationships by offering responsive underwriting, tailored placement options, and clear communication. Our team listens first, moves quickly, and supports you through the life of the account—because OUR markets are YOUR markets. Contact: Leona Greeves VP of Brokerage Services (314) 420-9705 [email protected] Matt Becker Surplus Lines Practice Leader (630) 485-5952 [email protected] Frequently Asked Questions What types of accounts are a good fit for IPMG’s Commercial Auto program?IPMG fits public auto, dump trucks and aggregate haulers, contractor fleets, and local/short-haul trucking operations—particularly in Illinois and Missouri. Is this program available on an admitted or non-admitted basis?We can place business on both admitted and non-admitted bases depending on the account characteristics and carrier placement options. What is the minimum premium for this program?The program’s minimum premium starts at $500, which makes it accessible for smaller accounts and new ventures. What states can I place business in through this program?This Commercial Auto Insurance program is currently available in Illinois and Missouri. Who can I contact to discuss a submission?Contact Leona Greeves or Matt Becker at IPMG for assistance with submissions, underwriting questions, and placement guidance. Need help placing an account? Connect with a market specialist.

Home Health Care Insurance Program from IPMG Insurance Program Managers Group (IPMG) provides targeted access to Home Health Care Insurance markets for agents who place in-home medical and non-medical service providers. Whether you're working with a multi-state skilled nursing agency or a local personal care provider, IPMG connects you to tailored E&S solutions designed to address the specific operational and professional exposures of home-based care. Ideal Accounts and Appetite This program fits a broad range of home care operations, including: Skilled nursing and licensed medical home care agencies Personal care, companion and homemaker services Home-based therapy providers (physical, occupational, speech) Hospice and palliative care providers Typical placements include agencies providing personal care across multiple counties, therapy companies delivering services in clients’ homes, and skilled providers expanding into services such as in-home IV therapy. Accounts with clear hiring and supervision practices, documented policies, and basic risk management are generally preferred. Coverage Highlights and Advantages IPMG’s Home Health Care program pairs underwriting expertise with a comprehensive coverage package to protect common exposures for home care providers. Key coverages include: Professional Liability – Defense and indemnity for alleged negligence, errors, or omissions in patient care. General Liability – Premises and operations protection for bodily injury and property damage arising from day-to-day services. Hired and Non-Owned Auto – Coverage for employees using personal vehicles on company business. Crime – Protection for losses from employee theft and related dishonest acts. Data Breach & Privacy/ Security Liability – Coverage for HIPAA-related incidents and cyber/privacy exposures. Sexual Misconduct Sublimit – Acknowledges and addresses a sensitive exposure area common to home care. Employee Benefits Liability – Coverage for administrative errors in benefit programs. These options give your insureds practical protection across professional, general, cyber, and employee-related risks so they can focus on care delivery. Underwriting Notes and Minimum Premiums The program is placed on a non-admitted basis through Hiscox, offering placement flexibility for unique or harder-to-place risks. Underwriters favor accounts with documented policies, clear staff credentialing, reasonable visit limits per caregiver, and basic loss-control practices. The minimum premium for eligible accounts starts at $1,500. For agencies with higher limits, multi-state operations, or significant professional exposure, IPMG’s underwriting team can structure broader solutions—contact underwriting to discuss specific scenarios and appetite exceptions. Territories and Availability Current availability: Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Coverage is written through E&S markets and may not be available on an admitted basis in these states. Why Work with IPMG? As a Managing General Agency and E&S broker, IPMG specializes in health care risk and provides responsive underwriting, timely submissions, and access to a trusted carrier (Hiscox) for this line. Their healthcare division understands the operational nuances of home care and helps agents place both routine and complex accounts efficiently. Example scenarios that fit well: A mid-sized home health agency expanding into in-home infusion services that needs professional liability plus cyber/privacy protection. A regional personal care company with employees using personal vehicles to transport clients who needs hired/non-owned auto and crime coverage. For underwriting questions or to submit a risk, contact: Mike Miller (IL) Director - Healthcare Division (630) 485-5850 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Home Health Care Insurance program?Ideal accounts include both medical and non-medical home health care providers, such as skilled nursing agencies, personal care aides, and therapy service providers operating in clients’ homes. Is this program available on an admitted basis?No. This program is offered on a non-admitted (E&S) basis through Hiscox, which allows flexibility for unique or harder-to-place risks. What states is the program available in?The program is currently available in Illinois, Indiana, Iowa, and Missouri. What is the minimum premium for this program?The minimum premium for eligible accounts starts at $1,500. Who can I contact to get a quote or learn more about placing business?Reach out to Mike Miller for Illinois accounts or Kristina Freeze for Missouri underwriting questions and submissions. Need help placing an account? Connect with a market specialist.

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.

Take Out Restaurant Insurance Insurance Program Managers Group (IPMG) offers a specialized Take Out Restaurant Insurance program for foodservice operations with substantial take-out or delivery exposure. If a restaurant derives at least 35% of receipts from take-out or delivery, this program provides targeted liability and property coverages designed to address those off-premise risks. Ideal Accounts and Appetite This program is a strong fit for agents placing restaurants where off-premise sales are a significant portion of business. Typical accounts include: Family-style restaurants that prepare food on-site, have 35%+ of sales from take-out/delivery, and no more than 10% of total sales from alcohol. Quick-service or limited-seating operations (fewer than 20 seats or about 4 tables) with no alcohol sales and a heavy take-out/delivery mix. Eligible operations commonly placed through this program include: Asian restaurants Sub and sandwich shops Bagel and donut shops Coffee shops Food court restaurants in malls Coverage Highlights and Advantages IPMG’s Take Out Restaurant Insurance focuses on the exposures created by high off-premise sales. Key coverages available include: General liability tailored for foodservice operations Commercial property for building contents and equipment Liability-only accounts start at $600, with package minimums beginning at $900. Policies are placed on non-admitted paper through A-rated carriers, providing capacity and underwriting expertise for risks that may be difficult to place in standard markets. Underwriting Notes and Minimum Premiums Underwriting review is required for every submission. Some small operations may qualify as non-auditable if annual receipts are under $500,000—this can simplify placements for lower-revenue clients. Appetite is focused on single-location, on-site food preparation with substantial take-out/delivery volume; higher-risk exposures (extensive alcohol sales, multiple locations, or significant catering/onsite event exposures) will generally be declined or require separate review. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Contact the appropriate state representative below to discuss specific submissions, appetite nuances, and available limits. Why Work With IPMG? IPMG specializes in niche commercial programs and offers agents access to markets that understand take-out and delivery-focused restaurant risks. The underwriting team has experience placing accounts that do not fit typical restaurant markets and can help identify the right structure and limits for off-premise exposure. Whether your client runs a busy sandwich shop with no seating or a family-style kitchen offering curbside pickup and limited alcohol sales, IPMG can help place the account efficiently and competitively. Program Contacts by State Matt Becker (IL, IN, IA) (630) 485-5952 [email protected] Barbara Commings (FL) (855) 377-4764 Ext 5222 [email protected] Leona Greeves (MO) (314-293-9700) Ext 9705 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with 35% or more of sales from take-out or delivery, including sub shops, coffee shops, and Asian restaurants. Family-style restaurants with limited alcohol sales may also qualify. Is this program available in my state?This program is available in FL, IL, IN, IA, and MO. Contact the corresponding state representative for submission details. What coverage options are available?Coverage includes liability and property. Packages start at $900, and standalone liability starts at $600. Are small operations eligible?Yes, risks with under $500,000 in receipts may be considered non-auditable, making the program accessible for smaller businesses. Who underwrites the policies?Coverage is written on non-admitted paper through A-rated carriers, ensuring strong financial backing and underwriting expertise. Need help placing an account? Connect with a market specialist.