Search CompleteMarkets

...dministrator (TPA) specializing in self-funded employee benefits plans. Our mi...is and Missouri who are interested in self-funded employee benefits solutions....

Workers Compensation Solutions for Bars and Taverns Insurance Program Managers Group (IPMG) offers specialized Workers Compensation insurance markets designed specifically for bars and taverns across the United States. Whether your client is launching a new establishment or managing a long-standing neighborhood pub, IPMG delivers competitive pricing, underwriting expertise, and responsive service tailored to this niche. We understand the unique challenges in the hospitality sector. Our program is built for agents and brokers seeking comprehensive Workers Compensation solutions for clients in the bar and tavern industry — with access to multiple carriers and flexible underwriting options. Ideal Accounts and Appetite This program is ideal for: Neighborhood bars and pubs Sports bars Cocktail lounges Taverns with live entertainment (excluding nightclubs) Note: Nightclubs and gentlemen’s clubs are not eligible for this program. You might have a new bar owner seeking affordable startup coverage or an experienced operator with prior losses looking for flexible options — IPMG can help with both. Coverage Highlights and Advantages Access to A-rated carriers or better Markets available for high experience mods Premiums starting at $500 and scaling to $1M+ Startup businesses accepted Our carrier partners vary by state, allowing us to match your client’s risk with the most competitive and appropriate market available. Underwriting Requirements To begin the underwriting process, please submit the following: Completed ACORD application with a detailed description of operations Currently valued loss runs (if applicable) Current Experience Modification Rating (if applicable) Territory and Availability This program is available in the following states: AK, AL, AR, AZ, 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. Coverage is offered through both admitted and non-admitted markets, depending on state-specific availability and risk characteristics. Why Work With IPMG? As a wholesale broker with deep experience in Workers Compensation for hospitality businesses, IPMG brings unmatched knowledge and market access to the table. Our team is focused on delivering exceptional service to both agents and their clients. We help you find the best fit at the most competitive premium — no matter the size or complexity of the account. Partner with IPMG and give your bar and tavern clients the Workers Compensation protection they need — with the confidence that comes from working with a trusted, experienced wholesale broker. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for bars, taverns, sports bars, and cocktail lounges. Nightclubs and gentlemen's clubs are excluded. Can startup businesses be considered?Yes, IPMG accepts startup bar and tavern operations with the appropriate underwriting information. What documentation is required to submit a quote?You'll need a completed ACORD application with a description of operations, currently valued loss runs (if applicable), and the current Experience Modification rating (if available). Are high experience modification factors acceptable?Yes, IPMG offers markets that can accommodate higher experience mods. In which states is this program available?The program is available in over 35 states, including FL, TX, IL, GA, and many others. Availability may vary by carrier and risk profile. Need help placing an account? Connect with a market specialist.

...s approach These advantages help insureds align their insurance program with ...duce net insurance costs by allowing insureds to retain profitable underwritin...

...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:...

Technology Errors and Omissions Insurance Insurance Program Managers Group (IPMG) offers a robust Technology Errors & Omissions (Tech E&O) Insurance program designed to protect technology professionals and organizations from liability exposures related to their services, products, and digital infrastructure. This program provides Professional Liability coverage for a wide variety of tech and privacy-related businesses — ideal for agents and brokers looking to place specialty tech accounts with experienced, reliable markets. Ideal Accounts and Appetite IPMG targets a wide range of technology and IT-related risks. The program is especially suitable for: IT consultants and trainers Managed help desk service providers Software developers and publishers Cloud computing and application hosting companies Mobile app and website developers Cybersecurity and antivirus software firms ISPs and telecommunications providers CAD, accounting, banking, or point-of-sale software developers Social media and web marketing firms Web hosting platforms and domain registrars GIS and data mapping technology providers If you have clients who handle custom software development, mobile apps, or sensitive user data — or those who provide tech support and services to third parties — this program can help address their professional liability gaps. Coverage Highlights and Advantages This Tech E&O program is built to meet the complex liability needs of today’s technology sector. Available coverage solutions include: Professional Liability / Errors & Omissions Privacy and data breach exposures Claims arising from software failure, service interruption, or data loss Flexible options through both Admitted and Non-Admitted markets IPMG partners with A-rated carriers to ensure stability and claims confidence. Whether your client is a startup tech firm or an established software provider, IPMG’s underwriters understand the nuances of the industry. Underwriting Notes and Market Access IPMG provides access to both admitted and non-admitted paper, depending on the risk and jurisdiction. Appetite includes small to mid-sized technology companies — from freelance consultants to growing SaaS providers. Competitive terms and custom solutions are available based on the account profile. Minimum premium details vary by risk but are structured to remain accessible for a broad spectrum of technology-related businesses. Territories and Availability Currently, this program is available in the following states: Florida (FL) Iowa (IA) Illinois (IL) Indiana (IN) Missouri (MO) If you operate in one of these states and need E&O coverage for a tech client, IPMG is ready to assist. Why Work With IPMG? With years of experience in specialty insurance programs, IPMG is a trusted partner for agents and brokers looking to place tech-related professional liability risks. The firm offers: Responsive underwriting and personalized service Access to A-rated carriers Program expertise tailored to the evolving tech landscape You’ll also benefit from direct contact with knowledgeable representatives based on your 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?This program is ideal for IT consultants, software developers, cloud service providers, mobile app creators, and other technology-focused firms that provide products or services with potential professional liability exposure. What coverages are included in the Technology E&O Insurance program?The program typically includes Professional Liability (Errors & Omissions) coverage and may offer options for privacy and data breach exposures depending on the risk profile. In which states is this program currently available?This Tech E&O program is available in Florida, Iowa, Illinois, Indiana, and Missouri. Do you offer coverage through admitted or non-admitted carriers?IPMG provides access to both admitted and non-admitted markets, depending on the account's specific needs and location. Who should I contact for a quote or more information?You can reach out to the designated IPMG contact based on your state — Matt Becker (IL, IN, IA), Barbara Commings (FL), or Leona Greeves (MO). Need help placing an account? Connect with a market specialist.

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...

... commercial properties with total insured values ranging from $25 million to $...nd large retail locations with total insured values between $25 million and $2...

Workers Compensation Insurance for Fast Food Restaurants Insurance Program Managers Group (IPMG) offers a dedicated Workers Compensation Insurance program specifically designed for fast food restaurants. With a deep understanding of this niche sector, IPMG delivers the underwriting expertise, responsive service, and market access that agents and brokers need to serve their restaurant clients effectively. This program is tailored for fast food operations, including franchise and independent locations. Please note that pizza delivery operations are excluded from eligibility. Ideal Accounts and Appetite Target accounts include quick-service restaurants (QSRs) without delivery services, such as burger chains, fried chicken outlets, sandwich shops, and drive-thru restaurants. IPMG welcomes both established businesses and start-ups, making it easier for you to place new ventures as well as seasoned operators. You might have a client opening their first fast food franchise in Illinois or a multi-location operator in Texas with a high experience modification—both scenarios can be considered under this program. Coverage Highlights and Advantages Access to A-rated or better carriers Markets accepting high experience modification factors Start-ups are eligible Minimum premium starting at $500 in most states Responsive service and competitive pricing options IPMG is committed to pairing your clients with the right carrier and coverage solution to help manage employee injury risks, control costs, and remain compliant with state workers compensation requirements. Underwriting Notes and Submission Requirements To submit an account, please provide the following: Completed ACORD application with a detailed description of operations Currently valued loss runs (if applicable) Current Experience Modification Rating (if applicable) Territories and Availability This 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, MO, MS, MT, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, and DC. With access to both admitted and non-admitted markets, IPMG provides flexibility to meet your clients’ needs across a wide geographic area. Why Work With IPMG? As a trusted wholesale broker, IPMG delivers the fast food workers compensation solutions you’ve been looking for. Our team offers strong carrier relationships, a broad underwriting appetite, and dedicated service to help you deliver results for your clients. Whether you're working with a new venture or helping a long-standing client with challenging loss history, IPMG can help you find the right fit at the right premium. Frequently Asked Questions What types of fast food restaurants are eligible for this program?Quick-service restaurants without delivery services, such as burger, chicken, and sandwich shops, are eligible. Pizza delivery operations are not accepted. Can I submit a start-up business for coverage?Yes, start-up fast food restaurants are eligible for coverage under this program. What information is required to submit an account?You’ll need a completed ACORD application with operations description, currently valued loss runs (if applicable), and the current experience mod (if applicable). Are high experience mods considered?Yes, the program has markets available for accounts with high experience modification factors. What is the minimum premium for this program?The minimum premium starts at $500 in most states. Need help placing an account? Connect with a market specialist.