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IPMG offers a specialized Childcare Insurance program tailored to meet the unique risks and regulatory requirements of childcare operations. As a Managing General Agency and Excess & Surplus Lines Broker, IPMG provides access to markets that understand the nuances of this critical sector. Whether you’re working with a small in-home daycare or a multi-site preschool operation, this program is designed to help you place accounts that need comprehensive and reliable insurance solutions. Ideal Accounts and Appetite This program is an excellent fit for licensed childcare providers, including: Daycare centers Preschools Before- and after-school programs In-home childcare providers Private early childhood education facilities IPMG is most effective for accounts that demonstrate strong safety protocols, trained staff, and compliance with state childcare licensing requirements. Accounts with prior claims may be considered but will be subject to underwriting review. Coverage Highlights and Advantages IPMG’s Childcare Insurance program offers a broad range of essential coverages to protect childcare operations from both common and specialized exposures: Property – Covers buildings, contents, and equipment. General Liability – Protection against third-party bodily injury and property damage claims. Auto Liability – For centers that transport children. Sexual Abuse Liability – A critical coverage for childcare providers. Student Accident Coverage – Coverage for injuries to children under care. Teachers Professional Liability – Protects against claims related to educational activities and professional duties. Umbrella – Additional limits over primary liability policies. These coverages are structured to address the real-world risks faced by childcare providers, helping you deliver peace of mind to your clients and their stakeholders. Underwriting Notes and Minimum Premiums The program is supported by markets such as Markel, known for their experience in educational and childcare risks. Most available markets are non-admitted, allowing for flexible underwriting solutions. Minimum premium thresholds are low, making the program accessible to a wide range of accounts. Submissions should include standard application forms, a narrative of operations, loss runs (if applicable), and licensing information. IPMG’s underwriting team works with agents to find the best fit for each account. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Agents working with childcare providers in these states can benefit from IPMG’s experience and market access to craft tailored insurance solutions. Why Work With IPMG? IPMG brings deep expertise in the childcare industry and offers strong underwriting support through both standard and surplus lines markets. The team is responsive, knowledgeable, and committed to helping you place business efficiently and effectively. With dedicated contacts by region, you’ll always have a direct line to someone who understands your market and the needs of your insureds. Contact Information: Matt Becker (IL) Surplus Lines Practice Leader (630) 485-5952 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Barbara Commings (FL) Florida Branch Manager (855) 377-4764 ext. 5222 [email protected] Frequently Asked Questions What types of childcare businesses are eligible for this program?This program is ideal for licensed daycare centers, preschools, in-home childcare providers, and early education centers operating in FL, IL, IN, IA, and MO. Are accounts with prior claims eligible for coverage?Yes, accounts with prior claims may be considered. Each submission is reviewed individually by IPMG's underwriting team. What is the minimum premium required to access this program?The program features low minimum premiums, making it suitable for both small and mid-sized childcare operations. Is Sexual Abuse Liability included in the coverage?Yes, Sexual Abuse Liability is one of the key coverage offerings available through this program. What markets support this program?The program is backed by reputable carriers such as Markel, with most coverage written through non-admitted markets. Need help placing an account? Connect with a market specialist.

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Behind every successful nonprofit organization is a team of dedicated employees and volunteers working hard to make a difference in their communities. Whether it’s a daycare center caring for children, a food bank serving families in need, or a cultural nonprofit managing public events, these organizations rely on their people to achieve their mission. That’s why protecting your nonprofit clients with the right Workers’ Compensation Insurance is essential to their continued operation and financial stability. Novatae Risk Group offers a specialized Workers’ Compensation Insurance program tailored to the unique needs of nonprofit and social service organizations. Through our partnership with an "A" rated carrier, we provide reliable coverage solutions for accounts that may be considered tough to place in standard markets. From new ventures to distressed risks or businesses with a high experience MOD, we help agents find appropriate coverage for their nonprofit clients. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard or tough classes Blue, gray, and white collar nonprofit organizations Accounts currently in state pools or assigned risk funds Clients with prior cancellations, lapses, or non-renewals New ventures with no prior coverage Multi-state operations Hard-to-place Workers’ Comp risks You might have a client operating a transitional housing nonprofit with multiple locations and a history of claims. Or perhaps a small arts nonprofit is launching in multiple states. These are the types of accounts Novatae Risk Group can help you place quickly and efficiently. Coverage Highlights and Advantages Fast turnaround on submissions Access to multiple "A" rated carriers Stand-alone Workers’ Comp policies Guaranteed cost solutions Integrated workers’ comp solutions Dividend and retro-rated plans High deductible options Custom account handling for complex risks Underwriting Notes and Minimum Premiums Minimum premium: $10,000 Required documents: ACORD 130, 3–4 years of loss runs, large loss details, and a supplemental questionnaire Territories and Availability This program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Coverage is offered through all available markets, and carrier options vary by state. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and E&S Broker with deep expertise in placing challenging workers' compensation accounts. Our specialized nonprofit Workers’ Comp program is backed by years of underwriting experience and access to strong carrier partners. Whether your client is a new nonprofit venture or a well-established organization with complex exposures, we’re here to help you find market solutions that work. Do you need a Workers’ Compensation Insurance Quote for Non-Profit Organizations? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of nonprofit organizations are eligible for this Workers’ Comp program?This program targets a wide range of nonprofits, including social services, daycare centers, housing programs, community outreach groups, and other charitable organizations with blue, gray, or white collar operations. Can I submit a new nonprofit venture with no prior Workers’ Comp coverage?Yes, new ventures are accepted. The program is designed to accommodate accounts with no prior coverage, including startups and recently formed nonprofits. What documentation is required to submit an account?You’ll need to provide an ACORD 130 form, 3–4 years of loss runs, any large loss details, and a completed supplemental questionnaire. Is this program available for nonprofits operating in multiple states?Yes, multi-state exposures are a specialty of Novatae Risk Group. We can help place coverage for nonprofits with operations across several states. What is the minimum premium for this program?The minimum premium starts at $10,000, and pricing may vary depending on risk characteristics and state. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Jeep tour operations present unique risks that require specialized insurance protection. Whether your clients operate guided Jeep tours, offer Jeep rentals, or manage a fleet for off-road excursions, Colonial General Insurance Agency, Inc. provides targeted insurance solutions designed to meet the needs of this adventurous niche. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers access to a range of markets with flexible coverage options tailored for Jeep tour operators. With admitted and non-admitted solutions available, agents can confidently place these accounts with a partner who understands the risks of outdoor and adventure tourism. Ideal Accounts and Appetite: Colonial General is a great fit for standard Jeep tours and rental operations that focus on recreational, sightseeing, or guided adventure experiences. Ideal clients include: Companies offering off-road Jeep tours in national parks or desert regions Jeep rental services for tourists and outdoor enthusiasts Operators conducting guided trail excursions Important Note: Colonial General does not currently offer coverage for altered vehicles or "Extreme Tours" involving high-speed, high-risk, or heavily modified off-road vehicles. Coverage Available: Liability coverage up to $1,000,000 Combined Single Limit (CSL) Physical damage coverage with deductible options ranging from $500 to $5,000 Radius options available up to 500 miles Cargo coverage limits up to $100,000, including refrigerator breakdown protection This program is designed to help your clients manage exposures related to passenger liability, vehicle damage, equipment loss, and cargo protection. Whether you’re placing a single-unit operator or a fleet of Jeeps, Colonial General offers scalable coverage to meet different operational needs. Underwriting Considerations Underwriting is flexible, but risk profiles should reflect safe, guided tour environments and well-maintained vehicles. Accounts with a good safety record, proper driver training, and compliant vehicle modifications are more likely to fit within the program parameters. Territories and Availability This Jeep Tour Insurance program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. These regions offer prime terrain for Jeep adventures, and Colonial General’s local expertise helps agents secure coverage efficiently and competitively. Why Work With Colonial General? Colonial General brings deep experience in specialty and outdoor recreation risks. As a trusted MGA and E&S broker, they provide agents with access to a wide variety of carriers (varies by account) and responsive underwriting support. You’ll benefit from Colonial General’s streamlined process, regional market knowledge, and commitment to helping agents grow their book in niche industries like Jeep tourism. Whether you’re working with a start-up Jeep tour company in Moab or helping a seasoned rental operator in Sedona expand coverage, Colonial General is ready to help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Jeep tour operators and Jeep rental businesses offering recreational or sightseeing trips. It does not cover extreme off-road or modified vehicle operations. Is physical damage coverage available for the vehicles?Yes, physical damage coverage is available with deductible options ranging from $500 to $5,000. Are there geographic restrictions on where this program is offered?Yes, this program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is the maximum liability limit offered?The program offers liability coverage up to $1,000,000 Combined Single Limit (CSL). Does the program cover altered vehicles or extreme tours?No, Colonial General does not offer coverage for altered vehicles or high-risk extreme tours. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Animal Services Insurance program tailored for businesses that provide services to household pets and animals. This program is designed for operations such as animal shelters, boarding and breeding kennels, pet stores, pet grooming, pet training facilities, and other pet-related service providers. Whether your client needs property, general liability, or crime coverage—or a combination—this program provides flexible options on a mono-line or package basis. Ideal Accounts and Appetite: This program is a strong fit for small to mid-sized animal service businesses that handle pets in a care, custody, or control capacity. Example accounts may include: • A grooming salon that also offers overnight boarding • A boutique pet store with in-store pet daycare services • A regional animal shelter needing property and liability coverage Operations involving exotic animals or high-risk breeds may require additional underwriting review. Commercial General Liability Coverage Available: • Primary limits up to $3,000,000 Occurrence/Aggregate • Hired and Non-Owned Auto Liability • Excess or Umbrella limits up to $25,000,000 Included Coverages: – Medical Payments Coverage—$5,000 limit – Additional Insureds at no extra charge – Property Damage Extension (Care, Custody, and Control)—$500 Occurrence / $1,000 Aggregate (Higher limits optional) – No deductible required Crime Coverage Available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises Property Coverage Available: • Building and Business Personal Property • Business Income and Extra Expense • Accounts Receivable and Valuable Papers • Care, Custody, and Control • Computer Equipment and Equipment Breakdown • Inland Marine and Outside Signs • Basic, Broad, or Special Form • Replacement Cost or Actual Cash Value Underwriting Notes: Colonial General works with a range of admitted and non-admitted markets based on the risk profile and state. Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Minimum premiums vary by class and coverage selected. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with specialized expertise in niche programs. Their Animal Services Insurance offering is supported by access to a variety of carrier partners and flexible underwriting to meet the needs of unique animal service operations. With regional availability and a strong service focus, they are an excellent partner for agents looking to place hard-to-insure pet-related businesses. Frequently Asked Questions What types of accounts are a good fit for this Animal Services Insurance program?Ideal accounts include pet groomers, boarding kennels, animal shelters, pet stores, and dog training facilities that primarily serve household pets. Is the program available for businesses in all states?No, this program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I offer just liability coverage without property?Yes, both mono-line liability and package policies are available depending on the needs of the insured. Are higher limits available for Care, Custody, and Control coverage?Yes, higher limits for CCC coverage are available upon request and underwriting approval. Does the program accept accounts with exotic or aggressive animals?These risks may be considered on a case-by-case basis and will require additional underwriting review. Need help placing an account? Connect with a market specialist.

...ptions to place a wide range of residential risks. Ideal Accounts and Appetit...rance Markets, Inc. combines niche residential property expertise with hands-o...

.... Ideal accounts include: Daycares and preschools with structured curri...schools are eligible. This includes daycares and preschools with structured pr...