https://completemarkets.com/company/Amwinsunderwriting/Metal-Plastics-Insurance-Program/
https://completemarkets.com/company/ipmg/employee-benefits-insurance-services/
IPMG's Employee Benefits Insurance Services division is a full-service third-party administrator (TPA) specializing in self-funded employee benefits plans. Our mission is simple: to deliver cost-effective solutions that protect your client’s bottom line without compromising the quality of care or service.
As an agent or broker working with self-funded employers, you know how critical it is to partner with a TPA that brings real value. At IPMG, we combine deep industry knowledge, in-house expertise, and innovative cost containment strategies to help you deliver measurable results to your clients. Our focus is not only on managing claims efficiently but also on maintaining high participant satisfaction throughout the process.
Ideal Accounts and Appetite
We work with agents and brokers who serve mid-sized to large employers looking to self-fund their group health and ancillary benefits. Ideal accounts include companies seeking greater control over plan design and cost savings through strategic claims management and proactive health services.
Examples of strong-fit clients include:
A manufacturing firm in Illinois with 150 employees interested in reducing rising group health insurance premiums through a self-funded model.
A multi-location Missouri-based employer seeking a TPA with in-house nurse case management and COBRA administration.
Coverage Highlights and Advantages
IPMG’s Employee Benefits Insurance Services division delivers comprehensive administrative solutions, including:
Medical and Dental Claims Administration
Vision Claims Administration
Excess/Stop Loss Insurance Placement
COBRA Administration
Utilization Review and Nurse Case Management
Cafeteria 125 Flex Plans
Health Management Services
Customized reporting and analytics
Our integrated approach ensures that every claim is handled with a focus on cost containment and participant satisfaction. We bring clarity to complex benefit structures and help employers manage risk more effectively.
Underwriting Notes and Minimum Premiums
Our solutions are tailored to fit the unique needs of self-funded employers. While minimum premium requirements may vary based on the size and complexity of the group, we offer flexible plan designs and administrative models. Contact us to discuss specific account opportunities and underwriting considerations.
Territories and Availability
This program is currently available in Illinois and Missouri. We are actively supporting agents and brokers in these states with dedicated regional expertise and responsive service.
Why Work With IPMG?
As a trusted Program Administrator, IPMG brings more than just administrative services—we deliver strategic partnership. Our experienced in-house team supports your efforts with:
Proven cost containment strategies
Efficient claims processing and reporting
Comprehensive suite of employee benefits services
Personalized support for agents and their clients
Whether you're working with a client transitioning to self-funding or looking to enhance their current TPA services, IPMG is ready to help you deliver results.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for mid-sized to large employers in Illinois and Missouri who are interested in self-funded employee benefits solutions.
What services are included in the employee benefits program?Services include medical, dental, and vision claims administration, stop-loss placement, COBRA administration, utilization review, nurse case management, and more.
Can IPMG help place stop-loss coverage?Yes, IPMG provides excess/stop-loss insurance placement as part of our comprehensive TPA services.
Is there a minimum group size to qualify?Minimum group size requirements can vary depending on plan design and underwriting considerations. Contact us to discuss specific cases.
Which states is this program available in?This program is currently available in Illinois and Missouri.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/continental-risk-continental-marine-insurance-services/discontinued-products/
Discontinued Products Coverage from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a specialized Discontinued Products insurance program designed for businesses that have permanently ceased operations but still face product liability exposures. This program is intended for manufacturers, importers and distributors whose physical products remain in the marketplace after the company has closed. It helps protect your client from third-party bodily injury or property damage claims arising from products sold before the business ended — exposures that a standard CGL no longer covers once the operations stop.
Ideal Accounts and Target Industries
This program is a good fit for closed businesses that previously manufactured, imported, or distributed tangible products. Target classes include:
Automotive parts
Cosmetics, skin & hair products
Electrical equipment
Exercise and home fitness equipment
Furniture
Importers & distributors
Machinery & equipment
Non-invasive medical products
Sporting goods
Toys
Example: You may have a client who sold their home fitness equipment business five years ago. They no longer operate, but their products are still used — this program can provide ongoing protection for claims that surface now from those legacy products.
Coverage Highlights and Advantages
The Discontinued Products policy bridges the gap after a business shuts down and its commercial general liability policy expires. Key features include:
Coverage for bodily injury and property damage caused by products sold before closure
Policy terms tailored to state-specific limitation/repose considerations
Premium schedules that commonly decline over time to reflect reducing exposure
In practice, first-year pricing is often close to the insured’s last annual CGL premium, with subsequent years reduced (commonly 10–25% or more), allowing clients to control cost as the tail exposure diminishes.
Underwriting Notes and Minimum Premiums
Continental Risk works with both admitted and non-admitted carriers to offer flexible placement options. Underwriters will evaluate product type, historic and current claims activity, distribution channels, and applicable state law when pricing and setting terms. Minimum premiums vary by carrier and account; discuss specifics with the underwriting team when submitting a risk.
Territory and Availability
This program is available to agents and brokers in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Availability and admitted versus non-admitted options may vary by state and carrier.
Why Work With Continental Risk / Continental Marine Insurance Services?
As an excess & surplus lines broker with deep experience in product liability and post-operation exposures, Continental Risk provides tailored solutions for discontinued product tails. Their access to both admitted and non-admitted markets, combined with focused underwriting on manufacturing and imported products, helps you place complex discontinued product risks more confidently and competitively.
Learn more about Continental Risk / Continental Marine Insurance Services
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is best for closed businesses that previously manufactured, imported, or distributed physical products — especially in industries such as automotive parts, cosmetics, fitness equipment, and toys.
How is the premium structured for Discontinued Products coverage?Premiums commonly follow a declining structure: first-year pricing may be similar to the last annual CGL premium, with subsequent years reduced (often 10–25% or more), depending on the product, claims history, and carrier.
Can this program be tailored to state-specific legal requirements?Yes. Policies can be customized to align with applicable state statutes of limitation or repose so the coverage period matches the client’s exposure profile.
Are both admitted and non-admitted carriers available?Yes. Continental Risk / Continental Marine Insurance Services places discontinued products business with both admitted and non-admitted markets to provide flexibility across a range of risks.
Is this program available nationwide?The program is available in most U.S. states. Confirm current availability and admitted/non-admitted options with the underwriting team for specific states.
Need help placing an account? Connect with a market specialist.