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Caitlin Morgan Insurance Services offers a comprehensive Miscellaneous E&O (Errors and Omissions) Insurance program designed to protect professionals from claims related to negligence, errors, or omissions in the services they provide. As a wholesale broker with access to various markets, Caitlin Morgan delivers tailored professional liability solutions to a broad range of classes that often fall outside traditional E&O programs. Ideal Accounts and Appetite This program is ideal for a wide array of professionals offering specialized or advisory services. Desired classes include: Insurance agents and brokers Real estate agents and brokers Consultants (various types) Executive recruiting firms Employment agencies Claims adjusters, billing services, and data processing centers Title agents, publishers, and PR firms Tour operators and event planners Excluded risks include medical, legal, and pollution exposures, as well as life and health agents and fiduciary risks. Coverage Highlights and Advantages Primary and excess limits available Limits ranging from $100,000 up to $5 million Deductibles as low as $2,500 Minimum premiums starting at $2,500 Coverage is designed to protect against claims resulting from professional services rendered, such as administrative errors, miscommunication, missed deadlines, or failure to deliver contracted services. Whether your client is a solo consultant or a mid-sized agency, Caitlin Morgan can help you secure the right liability protection. Underwriting Notes and Minimum Premiums With underwriting flexibility and an understanding of niche professional exposures, Caitlin Morgan evaluates each submission with attention to detail. Minimum premiums start at $2,500, making this program accessible for small to mid-sized firms. Deductibles begin at $2,500, with options to adjust based on risk profile and limits selected. Territories and Availability This Miscellaneous E&O Insurance program is available in all 50 states and Washington, D.C. Caitlin Morgan places business on both an admitted and non-admitted basis, depending on the risk and market availability in your client’s state. Why Work With Caitlin Morgan Insurance Services? As a trusted wholesale broker, Caitlin Morgan brings market access and underwriting insight to help insurance agents and brokers place complex professional liability risks. Their team understands the nuances of miscellaneous E&O coverage and has experience working with a wide range of professional services firms. Whether you're placing a startup consulting firm or a seasoned title agency, Caitlin Morgan can help you find the right solution quickly and efficiently. You might have a client who has launched a new employment agency or a small data processing center that needs tailored E&O coverage to satisfy vendor contracts. Caitlin Morgan can help you place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?Professional service firms such as consultants, insurance agents, real estate brokers, title agents, claims adjusters, and event planners are ideal candidates for this program. Are there any excluded classes under this program?Yes, Caitlin Morgan excludes risks involving medical, legal, and pollution exposures, as well as life and health agents and fiduciary-related services. What are the available coverage limits and deductibles?Coverage limits range from $100,000 to $5 million, with deductibles starting as low as $2,500. Is this program available nationwide?Yes, this program is available in all 50 states and Washington, D.C., with both admitted and non-admitted options depending on the state and risk profile. What is the minimum premium for this program?The minimum premium starts at $2,500, making it suitable for small to mid-sized professional service firms. Need help placing an account? Connect with a market specialist.

...s can be included as Additional Insureds - Employee Benefits Liability - Volunteers as Additional Insureds - Sexual Abuse & Molestation En...

...rol and claims tools that benefit insureds and ease administration for agents:...

For more than 15 years, Insurance Program Managers Group (IPMG) has served as a trusted wholesale broker for agents and brokers placing Workers Compensation Insurance. With deep underwriting experience across a wide range of industries and access to multiple A-rated carriers (admitted and non-admitted as available), IPMG helps you secure competitive, tailored coverage for clients with routine and more challenging exposures. Ideal Accounts and Target Industries IPMG has the underwriting expertise and market access to handle a broad spectrum of Workers Compensation classes. Our appetite includes, but is not limited to: Contractors and construction-related businesses Healthcare providers and facilities Manufacturing operations Auto dealerships and service centers Trucking and transportation firms We routinely consider accounts with elevated experience modification factors, complex loss histories, and other loss-challenged characteristics that can be difficult to place in standard markets. Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses—IPMG can compile submissions to multiple carriers and help you explore competitive placement options while addressing underwriting questions up front. Program Highlights and Value-Added Services Access to multiple A-rated carriers (admitted and non-admitted where available) Minimum premiums starting around $500, with capacity for accounts sized to $1M+ Same-day quoting available on many classes when you supply a complete submission Wide range of eligible class codes and flexible underwriting for complex risks Markets that will consider high-mod and otherwise challenging accounts Monthly reporting and other policy servicing options Competitive commissions for agents Additional risk management services available to help control losses and improve safety Submission Requirements To help us deliver fast, accurate indications and bindable quotes, include the following with your submission: Completed ACORD application with a clear description of operations 3–5 years of currently valued loss runs Current experience modification rating (if applicable) Providing clear payroll breakdowns and a summary of any loss control efforts or return-to-work programs will improve placement results. Territories and Availability IPMG offers Workers Compensation solutions in most U.S. states. We are actively writing business in over 45 states and Washington, DC, including: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, DC. Carrier availability and program structure may vary by state. Why Partner With IPMG? IPMG focuses on getting difficult and standard Workers Compensation accounts placed quickly and competitively. Our team provides responsive underwriting, broad broker relationships, and workflow support so you can win new business and retain clients. We combine market access with practical risk management resources to help control cost and improve renewal outcomes. Frequently Asked Questions What types of accounts are a good fit for IPMG's Workers Compensation program?We write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider higher-mod or loss-challenged risks that standard markets may decline. What is the minimum premium for this program?Premiums generally start around $500 and scale based on class, payroll and exposure. We handle accounts from small businesses up to $1M+ premium size. How quickly can I get a quote?Same-day quotes are available for many classes when you submit a complete package: ACORD application, current loss runs, and experience mod (if applicable). Which states are eligible for this program?IPMG is active in most states, including CA, TX, FL, NY and many others—carrier options and program structure vary by state. Does IPMG offer risk management support?Yes. We can connect you and your clients with additional risk management services designed to improve workplace safety and control claims cost. Need help placing an account? Connect with a market specialist.

...ugh our TPA services—helping your insureds minimize risk and manage claims eff...

Workers Compensation Insurance for Automotive Body Repair Shops Insurance Program Managers Group (IPMG) offers a specialized Workers Compensation Insurance program tailored for automotive body repair shops. With access to multiple markets and experienced underwriting, IPMG provides independent agents and brokers with a reliable solution to place Workers Compensation coverage for this high-risk industry. Ideal Accounts and Appetite This program is designed for a wide range of automotive body repair operations, including: Collision repair shops Auto body painting and refinishing businesses Frame alignment and structural repair facilities Start-up operations and small businesses If you have a client who is launching a new repair shop or an established business facing high experience modification rates, IPMG can help you find the right coverage fit. Coverage Highlights and Advantages IPMG’s program offers the flexibility and underwriting depth needed to protect employees in physically demanding and potentially hazardous work environments. Key features include: Minimum premium starting at $500 in most states Start-up businesses accepted Access to A- rated or better carriers Solutions for businesses with high experience modification ratings Competitive pricing across multiple markets Underwriting Notes and Submission Requirements To expedite the quoting process, please be prepared to provide the following: Completed Accord application with a clear description of operations Currently valued loss runs (if available) Current experience modification rating (if applicable) IPMG specializes in streamlining the underwriting process to help you secure fast, competitive quotes for your clients. Available Territories This Workers Compensation program is available in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MS, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, and DC. All available markets are considered, giving you flexibility in placement options depending on state and carrier availability. Why Work With IPMG? As a wholesale broker with deep expertise in Workers Compensation, IPMG offers agents and brokers more than just access to markets — we provide service, support, and underwriting insight tailored to the automotive repair industry. Our responsive team is committed to helping you find the best coverage options at the most competitive premiums for your clients. If you’re looking for a reliable Workers Compensation market for automotive body repair risks — especially those with unique challenges — IPMG is your trusted partner. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is ideal for automotive body repair shops, including collision repair, painting, and structural work. Start-ups and businesses with high mod rates are also welcome. Are start-up auto repair shops eligible for coverage?Yes. IPMG accepts start-up operations and will work with agents to place new businesses that meet underwriting guidelines. What is the minimum premium for this program?The minimum premium starts at $500 in most states, depending on the specific risk and underwriting details. What carriers does IPMG use for this Workers Compensation program?IPMG works with a variety of A- rated or better carriers. Market availability may vary by state and class of business. What documents are needed to submit a quote request?Required documents include a completed Accord application with operations description, currently valued loss runs, and the current experience mod rating if applicable. Need help placing an account? Connect with a market specialist.

Comprehensive Property & Casualty Solutions for Niche Markets Caitlin Morgan Insurance Services offers a focused Property & Casualty program that helps agents and brokers place business across hospitality and senior care markets. As a wholesale broker with access to multiple carriers, Caitlin Morgan provides flexible, tailored solutions for clients with unique liability and property exposures. Target Classes and Ideal Risks This program is a strong fit for risks in the following sectors: Bars, taverns, and full-service restaurants — including operations with liquor exposure and entertainment Nursing homes Assisted living and independent living facilities You might have a client who operates a restaurant with a full bar, live entertainment and liquor exposure, or a regional owner managing multiple assisted-living locations — these are the types of accounts Caitlin Morgan routinely helps place. Coverage Highlights General Liability Available for hospitality accounts (including liquor liability) and for senior care operations. Limits and terms are tailored to the class and loss history. Property Coverage for buildings, contents, and business interruption exposures — suitable for nursing homes, assisted living facilities, bars, taverns, and restaurants. Professional Liability Specialized professional and clinical liability options are available for healthcare-related risks, including nursing homes and assisted/independent living communities. Underwriting and Market Access This offering is a non-admitted program, which provides flexibility for placing risks outside standard market appetites. Caitlin Morgan works with a panel of carriers to match each account to the appropriate market and has experience handling complex hospitality and healthcare exposures. Typical underwriting considerations include prior loss history, liquor service controls and training, staffing and clinical procedures for senior care, multi-location exposures, and physical protection measures for property risks. Territory The program is available in most U.S. states, including CA, FL, NY, TX, IL, and PA. Caitlin Morgan serves agents and brokers across the continental U.S., as well as Alaska, Hawaii, and Washington, D.C.; contact the team for specific state availability or filing questions. Why Choose Caitlin Morgan? Caitlin Morgan Insurance Services is a trusted wholesale broker with niche expertise in hospitality and senior care. Their team partners with agents to navigate complex underwriting requirements and to secure competitive solutions across multiple carriers. Whether you are placing a single-location tavern or a multi-site senior care portfolio, Caitlin Morgan brings market access and technical underwriting support to help you close the deal. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for bars, taverns, restaurants with liquor exposure, and senior living operations such as nursing homes, assisted living, and independent living facilities. Is this program available on an admitted basis?No. This is a non-admitted program, which allows for greater flexibility in underwriting and placement when admitted markets are not appropriate. Can I place multi-location risks through Caitlin Morgan?Yes. Caitlin Morgan can assist with multi-location accounts, particularly in healthcare and hospitality sectors where centralized underwriting and multistate placement are required. What coverages are included?Available coverages depend on class of business but commonly include general liability (with liquor liability where needed), property (building, contents, business interruption), and professional liability for healthcare operations. Which states is this program available in?The program is available in most U.S. states, including CA, NY, FL, TX, and others. Contact Caitlin Morgan for confirmation of availability in a specific state. Need help placing an account? Connect with a market specialist.