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Overview — Scrap Metal Transport Insurance from Coloni...are a good fit for Colonial General’s Scrap Metal Transport program?Accounts that haul non-hazardous scrap and recyclable metals—owner-operators to small fleets—o...

Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator with nearly $1B GWP across multiple industries and lines. ASCS distributes a suite of public entity products designed for pools and individual government clients. Below is a clear summary you can use when evaluating placement options for your public entity insureds. Program overview Amwins Underwriting’s Public Entity Insurance Programs provide dedicated property, liability, and workers’ compensation solutions for public-sector entities. These programs combine specialty underwriting, flexible capacity, and access to well-capitalized markets and reinsurers to address exposures unique to municipalities, school systems, special districts, public housing authorities and similar public entities. Ideal accounts and appetite Municipalities (cities, towns, counties) Public schools and higher education institutions Special districts and service authorities Public housing authorities and municipal utilities Pools and joint powers authorities seeking programmatic solutions You should consider these programs when your client needs higher capacity, layered solutions, or specialized terms crafted for public entities that standard commercial markets struggle to accommodate. Coverage highlights and advantages Public Entity Property: Up to $50M capacity per risk; administered by ASCS and written by a non-admitted carrier; excess follow-form; no TIV cap. Note: unable to participate on lead/primary layers. Public Entity Casualty: Liability offered as follow-form excess or reinsurance; up to $3M per occurrence; placed on AM Best “A-” paper and backed by a panel of global reinsurers; strong underwriting and claims expertise. Public Entity Workers' Compensation: Options include buffer, SIR, alternative funding and excess solutions; carrier ratings across programs range from AM Best "A+" to "A-" XII; available in all states. Underwriting notes and placement considerations Underwriting is program-driven and tailored to public entity exposures. Key considerations include existing policy layers (for follow-form placements), desired limit structure, loss history for public-sector operations, and whether the client is a pool or a single entity. The Property program operates on non-admitted paper; casualty and workers’ comp placements use admitted markets or reinsurer-backed structures depending on the program. Amwins’ underwriting team expects complete submissions with current values, schedules of locations, loss runs, and details on risk-transfer arrangements. Territories and availability Programs are available nationwide. States of availability include: 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, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place public entity business with Amwins Underwriting Amwins Underwriting brings program design expertise, deep public entity underwriting, and strong carrier/reinsurance relationships. That combination helps you place larger limits, structure layered solutions, and offer funding alternatives for clients who need more than standard commercial terms. The underwriting and claims bench strength noted on the casualty program provides additional confidence for complex liability exposures. (*We work with pools and individual public entities) Frequently Asked Questions What types of public entity accounts are a good fit for these programs?These programs target municipalities, public schools and colleges, special districts, public housing authorities, municipal utilities, and pools. They are a strong fit when clients need higher capacity, excess or reinsurance placements, or alternative funding structures for workers’ comp. Are the programs admitted or non-admitted?Placement depends on the specific product: the Public Entity Property program is written by a non-admitted carrier and administered by ASCS. Casualty and workers’ compensation placements may be on admitted paper or structured with reinsurer support; confirm program specifics when submitting. What information should I include with a submission?Provide current policy details and limits, TIV and schedule of locations for property, recent loss runs, description of operations and exposures, any existing SIR or alternative funding arrangements, and details about pools or joint powers structures if applicable. Which states are these programs available in?The programs are available nationwide. Refer to the storefront for the full list of states, and confirm any state-specific requirements during submission, especially for workers’ compensation and surplus-lines placements. Need help placing an account? Connect with a market specialist.

...rvice yards Auto recyclers Scrap yards Scrap dealers Salvage yards Typical ac...service yards, recyclers, salvage and scrap dealers — are ideal. The program prefers ...

... Inc. offers a comprehensive Tire Dealers Insurance Program designed specifically for tire dealers and related automotive businesses. A...s this program available in?The Tire Dealers Insurance Program is offered in A...

... servicing operations. Many small dealers and shops find only limited add-on p...ution program?Small to mid-size auto dealers, repair shops, lube and oil-change centers, tire dealers, muffler and transmission shops, ...

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.

...es, but is not limited to: Dealers Open Lot Heavy Vehicle Sales and...ange of garage risks, including auto dealers, heavy vehicle service centers, motorcycle dealers, salvage yards, and valet service...

... with clients who operate: ATV dealerships and showrooms ATV repair and service shops Scooter and moped dealers (49 CC engines or greater) Snowmob...rogram?This program is ideal for ATV dealerships, repair shops, and service ce...