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... for small groups or large groups, self-insurance is often a reasonable altern...e current eligibility status of each insured is recognized immediately as chan...

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.

...lping you deliver results to your insureds quickly. Territories and Availab...

...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.

...ks with most TPAs and accommodates self-administration • Coverage limits: Up...work with most TPAs and also supports self-administration where appropriate. I...

...ing you flexibility based on your insured’s risk profile and state requirement...

IPMG provides access to specialized markets offering tailored Health Club Insurance solutions designed specifically for the health and fitness industry. Whether your client operates a boutique fitness studio, yoga center, or a large multi-location gym, our program offers broad coverage options and flexible underwriting to meet their unique needs. Ideal Accounts and Appetite Our Health Club Insurance program is a great fit for a wide range of fitness-related businesses, including: Health and fitness clubs Personal training studios Yoga and pilates studios CrossFit and functional training gyms Wellness centers We are looking for well-managed operations with strong safety protocols and a commitment to member health and well-being. Coverage Highlights and Advantages IPMG’s program gives you access to competitive and comprehensive coverage options backed by strong carrier partnerships like Markel. Key coverages available include: General Liability – Protects against third-party bodily injury and property damage claims Professional Liability – Covers allegations of negligence related to training or instruction Abuse Coverage – Addresses sensitive exposures in member-focused facilities Employment Practices Liability – Protects against claims of wrongful termination, discrimination, etc. Employee Benefits Liability – Covers errors in the administration of employee benefits Excess Liability – Additional limits for peace of mind Inland Marine – Covers equipment and portable property Crime Coverage – Protection against employee theft and other dishonest acts This program is designed to handle the diverse risks associated with fitness operations, from slip-and-fall incidents to claims of improper instruction. Underwriting Notes and Minimum Premiums Our markets are flexible and responsive, with low minimum premium thresholds to help agents place smaller accounts competitively. We work closely with brokers to understand the specific needs of each account and offer customized solutions. Most available markets are non-admitted, allowing for tailored underwriting and broader coverage terms. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) We are continuously expanding and encourage agents in these states to reach out for eligibility and submission guidelines. Why Work With IPMG? As a Managing General Agency and Excess & Surplus Lines Broker, IPMG brings deep expertise in niche commercial programs. Our team understands the unique risks faced by health and fitness businesses and provides agents with efficient access to competitive markets. With in-house underwriting, responsive service, and long-standing carrier relationships, IPMG is a trusted partner for placing health club and fitness-related risks. Contact Our Team 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 accounts are a good fit for this program?This program is ideal for fitness centers, gyms, yoga studios, personal training facilities, and wellness centers with solid safety and operational standards. Is this program available on an admitted basis?Most available markets are non-admitted, allowing for greater underwriting flexibility and broader coverage options. What is the minimum premium for accounts?The program offers low minimum premiums, making it suitable for both small and mid-sized fitness businesses. Which states is this program available in?We currently offer this program in Florida, Illinois, Indiana, Iowa, and Missouri. Who can I contact to submit or discuss a risk?Our underwriting team includes Matt Becker (IL), Kristina Freeze (MO), and Barbara Commings (FL). They’re available to assist with submissions and questions. Need help placing an account? Connect with a market specialist.

...Responsive service for agents and insureds alike For example, if you have...