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For over 15 years, Insurance Program Managers Group (IPMG) has been a trusted wholesale brokerage partner for agents and brokers seeking reliable Workers Compensation Insurance markets. With deep expertise across a broad range of industries and access to multiple A-rated carriers, IPMG delivers competitive solutions tailored to your clients' unique risk profiles. Ideal Accounts and Target Industries IPMG has the underwriting experience and market access to handle a wide variety 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 can also consider accounts with high experience modification factors or complex loss histories. Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses. IPMG can help you explore competitive options across multiple carriers to place that account with confidence. Program Highlights and Value-Added Services Access to multiple A-rated carriers (admitted and non-admitted as available) Premiums starting as low as $500, scaling to $1M+ Same-day quoting available on many classes with complete submissions Wide variety of eligible class codes Markets for high mods and challenging risks Monthly reporting capabilities Competitive commissions for agents Additional risk management services available to support your clients Submission Requirements To receive a fast and accurate quote, please provide: Completed Accord application with description of operations 3–5 years of currently valued loss runs Current experience modification rating (if applicable) Territories and Availability IPMG offers Workers Compensation Insurance solutions in most states, including but not limited to: CA, TX, FL, NY, IL, and AZ. We are actively writing business in over 45 states and Washington, DC. Carrier availability and program structure may vary by state. Why Partner With IPMG? At IPMG, we understand that your clients rely on you for timely, competitive, and knowledgeable service. Our team delivers fast turnaround, flexible underwriting, and strong market relationships to help you win and retain Workers Compensation accounts. With over a decade of proven performance in this space, IPMG is your go-to partner for Workers Comp solutions that work. Frequently Asked Questions What types of accounts are a good fit for IPMG's Workers Compensation program?We can write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider high-mod or loss-challenged risks. What is the minimum premium for this program?Premiums start at $500 and scale based on class and exposure. We work with accounts ranging from small businesses to large operations. How quickly can I get a quote?Same-day quotes are available for many classes with complete submissions, including an Accord app, loss runs, and experience mod (if applicable). Which states are eligible for this program?Our Workers Compensation program is available in most US states, including CA, TX, FL, NY, and over 40 others. Availability and carrier options may vary by state. Does IPMG offer risk management support?Yes, additional risk management services are available to help your clients improve workplace safety and control costs. Need help placing an account? Connect with a market specialist.

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Pumpkin Patches and Corn Maze Insurance — Cochrane & Company Cochrane & Company offers a focused program for seasonal farm attractions and fall events under the Pumpkin Patches and Corn Maze Insurance program. Designed for independent agents who place seasonal operations, this program provides tailored general liability coverage and flexible limits for pumpkin lots, pick-your-own patches, corn mazes and related on-farm amusements. Overview of the Program from Cochrane & Company This Managing General Agency places coverage for seasonal attractions with an appetite for small to mid-size pumpkin patches, pre-picked pumpkin sales, and corn maze operations. The program is set up to handle weekend and seasonal exposures, including a limited allowance for amusements and hayrides that operate off public streets. Authorized Classes and Ideal Accounts Typical accounts that fit this program: Pre-picked pumpkin lot sales and seasonal pumpkin stands Pick-your-own pumpkin patches and family farm attractions Corn mazes used for daytime or limited nighttime seasonal entertainment Seasonal operations that may include amusement devices or hayrides that do not operate on public roads Not a fit: large permanent amusement parks, operations regularly using public roadways for rides, or accounts with significant alcohol sales or large-scale mechanical rides (discuss on a case-by-case basis). Coverage Highlights and Advantages Competitive per-patch or admissions-based rates designed for seasonal businesses Limits up to a $3,000,000 general aggregate with competitive occurrence and personal/advertising injury limits Coverage can include products/completed operations exposure for seasonal sales Ability to add common on-farm activities so agents can place multiple exposures on one policy Low minimum premiums suitable for small seasonal operators Maximum Limits Available $3,000,000 General Aggregate Included Products/Completed Operations Aggregate $3,000,000 Personal/Advertising Injury $3,000,000 Occurrence $100,000 Damage to Rented Premises $1,000 Medical Payments maximum limit $100,000 / $300,000 Assault and/or Battery sublimits Fun Facts and Underwriting Terms Competitive rates on a per-patch or admissions basis Low minimum premiums — exact minimums vary by state and account Premiums are 100% fully earned for seasonal programs $500 per-claim liability deductible (standard; subject to change by underwriter) Underwriting Notes and Typical Submission Requirements To quote, Cochrane & Company typically requests: Completed application describing operations and season dates Loss runs (3–5 years preferred for renewal accounts) Estimated admissions, gross receipts and breakdown of on-site activities Site layout or map showing location of attraction, parking and ride routes Details on controls for lighting in night mazes, staffing, signage and first-aid procedures Underwriting is flexible but will review mechanical ride exposures, food and beverage sales, alcohol service, and large special events on a case-by-case basis. Territories and Admitted Status States available: CA, ID, MT, NM, OR, WA, WY. Admitted status: No States — this program is offered through Cochrane & Company as a non-admitted/surplus placement in the listed territories. Carrier availability varies by submission. Why Place This Business with Cochrane & Company Cochrane & Company brings targeted expertise for seasonal farm attractions and understands the operational rhythms of fall events. Agents will find competitive limits, specialized endorsements for common seasonal exposures, and underwriting that accommodates smaller, family-run patch operations as well as larger commercial farms running multiple attractions. Example Accounts A family farm that runs a pick-your-own pumpkin patch on weekends and a corn maze on select evenings — needs seasonal liability and products coverage with limits to reflect admissions. A community pumpkin lot with pre-picked pumpkins, a hayride that stays on private property, and a small vendor area selling baked goods — requires combined liability and products/completed operations coverage. Contact Cochrane & Company for submission guidance, appetite confirmation, and quoting details for Pumpkin Patches and Corn Maze Insurance. Frequently Asked Questions What types of pumpkin patch or corn maze accounts are a good fit for this program?Accounts that fit well are seasonal or part-time pumpkin lots, pick-your-own fields, corn mazes, and small on-farm attractions. The program is designed for operations that run on private property and may include hayrides or small amusement devices that do not operate on public streets. What limits, deductibles and special coverages are available?Limits are available up to $3,000,000 for general aggregate and occurrence, with specified limits for personal/advertising injury and products/completed operations. A standard $500 per-claim liability deductible commonly applies; additional endorsements can be considered depending on the risk. Which states and filing status apply to this program?The program is available in CA, ID, MT, NM, OR, WA and WY. Admitted status is not available—placements are handled on a non-admitted/surplus lines basis and carrier availability varies. What documents should I include with a submission?Provide a completed application describing operations and season dates, recent loss runs, estimated admissions and receipts, and a site layout. Details on staffing, signage, lighting for night operations, and controls for attractions help underwriters evaluate the risk. Are hayrides and amusement devices covered?Hayrides and small amusement devices may be eligible if they operate on private property (not on public streets) and meet underwriting requirements. Larger mechanical rides or operations with significant alcohol sales are reviewed individually and may be excluded or require additional information. Need help placing an account? Connect with a market specialist.