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...ams. These options give your insureds practical protection across profess...

...lping you deliver results to your insureds quickly. Territories and Availab...er with deep experience in specialty workers compensation programs, IPMG brings you the t...

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.

Workers Compensation Insurance for Automotiv...What carriers does IPMG use for this Workers Compensation program?IPMG works with a varie...

Workers Compensation Insurance for Fast Food... broker, IPMG delivers the fast food workers compensation solutions you’ve been looking f...

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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.