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...r clients in the commercial and residential garbage hauling industries. Ove... program cover both commercial and residential waste hauling?Yes, the program supports both commercial and residential garbage hauling operations. What carriers...

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.

...ies. Whether your client owns a residential property awaiting renovation or a ... program?This program is ideal for residential and commercial buildings that a...

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

...e trimming companies performing residential, commercial, or municipal work ...ons with at least two years of prior workers’ comp coverage. Accounts with hig...

... safety controls, so both small residential lawn crews and mid-sized commercia...he operational differences between residential and commercial accounts. Example fits: A residential lawn care firm with 3–6 employe...

... Coverage Inland Marine Workers Compensation Additional Coverag...ddress student-related exposures. Is Workers Compensation included in the package?Yes, Workers Compensation is available with access to sev...

Home Health Care Insurance Program from IPMG Insurance Program Managers Group (IPMG) offers specialized access to Home Health Care Insurance markets designed to meet the needs of agencies providing in-home medical and non-medical services. Whether your client operates a large multi-state agency or a smaller local home health provider, IPMG connects you with tailored coverage solutions that help protect their operations and support compliance in a high-risk industry. Ideal Accounts and Appetite This program is well-suited for a wide range of home health care providers, including: Skilled nursing and medical home care agencies Personal care and companion services Home therapy providers (physical, occupational, speech) Hospice and palliative care services You might have a client who provides non-medical caregiving services in multiple counties or a skilled nursing provider expanding into in-home IV therapy—IPMG’s markets can help you place these risks effectively. Coverage Highlights and Advantages IPMG’s program includes a comprehensive suite of coverages designed to address the unique exposures faced by home health care providers. Coverage options include: Professional Liability – Protection against claims of negligence, errors, or omissions in patient care. General Liability – Covers premises and operations exposures, including bodily injury and property damage. Hired and Non-Owned Auto – Provides coverage for employees using personal vehicles for company business. Crime – Safeguards against employee theft and other dishonest acts. Data Breach and Privacy & Security Liability – Addresses HIPAA-related and cyber exposures. Sexual Misconduct Sublimit – Included to address this critical exposure area. Employee Benefits Liability – Covers administrative errors in employee benefits programs. These coverage options allow your insureds to focus on delivering care, knowing their operations are protected from key risks. Underwriting Notes and Minimum Premiums This program is offered on a non-admitted basis through Hiscox, giving greater flexibility in crafting solutions for complex risks. The minimum premium starts at $1,500, making it accessible for a broad spectrum of home care businesses. IPMG’s underwriting team is experienced in health care risks and can help you navigate eligibility and placement quickly. Territories and Availability The Home Health Care Insurance Program is currently available in the following states: Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Why Work with IPMG? As a Managing General Agency and E&S Broker, IPMG brings deep industry knowledge, especially in health care-focused risks. Their specialized team offers responsive service, experienced underwriters, and access to trusted carriers. IPMG empowers agents like you to place challenging home health care accounts with confidence. For more information or to discuss 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 homes. Is this program available on an admitted basis?No, this program is offered on a non-admitted basis through Hiscox, providing flexibility for unique or hard-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?You can reach out to Mike Miller in Illinois or Kristina Freeze in Missouri for underwriting questions or to submit a risk. 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.

Excess Liability Insurance Insurance Program Managers Group (IPMG) offers agents and brokers access to robust Excess Liability Insurance solutions designed to help insureds manage high-limit exposures across a wide range of industries. Whether your client needs extended coverage above their primary policies or layered protection for more complex risk profiles, IPMG has the market access and underwriting flexibility to support your placement needs. Ideal Accounts and Appetite This program is available for hundreds of business classes, making it a flexible solution for a wide variety of commercial clients. Target accounts include businesses with heightened liability exposures in sectors such as construction, hospitality, transportation, manufacturing, and more. Example scenarios that fit well with this program include: A contractor who needs $10M in excess coverage layered above GL and auto to meet jobsite requirements. A hospitality client with liquor liability exposure looking to secure higher limits for umbrella protection. Coverage Highlights and Advantages Limits available up to $10,000,000 in-house, with higher amounts accessible through brokerage markets. Both primary and layered excess options are available based on account needs. Admitted and non-admitted options provided to meet underwriting and regulatory requirements. Underlying coverage types include General Liability, Auto Liability, Employer’s Liability, and Liquor Liability, among others. Backed by A-rated carriers for financial strength and claims reliability. Underwriting Notes and Minimum Premiums Minimum premiums typically range from $500 to $750 per layer, depending on the class of business and limit structure. IPMG works closely with agents to assess risk and build custom solutions that meet the insured’s risk tolerance and budget. Territories and Availability This program is available in the following states: Florida (FL), Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Admitted paper may be available in some of these states, with non-admitted options ready for more complex or higher-risk placements. Why Work With IPMG IPMG brings industry expertise and strong carrier relationships to help agents place tough-to-insure accounts with confidence. Their responsiveness, underwriting support, and flexibility make them a valuable partner for agents seeking tailored excess liability solutions. Whether you're working with standard exposures or more challenging risks, IPMG is positioned to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?IPMG’s Excess Liability Insurance program fits a wide range of commercial clients, especially those in construction, hospitality, transportation, and manufacturing with significant liability exposures. What is the minimum premium for this program?Minimum premiums typically range from $500 to $750 per layer, depending on the class of business. Is this coverage available on an admitted basis?Admitted and non-admitted options are available, depending on the state and the specific risk characteristics of the account. What underlying coverages are supported?The program supports a variety of underlying coverages, including General Liability, Auto Liability, Employer’s Liability, and Liquor Liability. 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.