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IPMG (Insurance Program Managers Group) offers a specialized Crime Coverage Insurance program that helps agents and brokers place standalone protection for clients that face financial loss from criminal acts. Through IPMG’s relationships with multiple E&S markets, you can access monoline crime solutions tailored for private and publicly traded companies, not-for-profits, and public entities. Ideal Accounts and Appetite This program is designed for insureds that need a dedicated crime policy as part of their enterprise risk management. Target classes include: Mid- to large-size private or public companies with significant cash handling, receipting, or electronic transaction volume Municipalities and other public entities exposed to internal or external fraud risks Not-for-profit organizations that handle donations, grants, or other funds vulnerable to employee dishonesty You might have a client such as a regional nonprofit with multiple fundraising channels or a local government office with decentralized cash handling—both would benefit from a monoline crime program placed through IPMG. Coverage Highlights and Advantages IPMG’s Crime Coverage Insurance program offers broad protection for a full range of crime exposures: Employee Theft and Employee Dishonesty Forgery and Alteration of checks, credit card receipts, and other negotiable instruments Theft, Disappearance and Destruction (on and off premises) Computer Fraud and Funds Transfer Fraud Money Orders and Counterfeit Currency losses Key policy features and options: Primary and excess limits available to build layered programs Discovery form wording Worldwide coverage options where appropriate Limits available up to $10 million, subject to underwriting The program is structured to address both internal threats (employee dishonesty, collusion) and external schemes (cyber-assisted fraud, social engineering, forged instruments). Underwriting Notes and Minimum Premiums As a managing general agency and E&S broker, IPMG underwrites accounts with flexibility based on complexity and exposures. Preferred submissions include: Recent financials and loss runs Description of internal controls, segregation of duties, and treasury procedures Details on electronic payment and funds transfer processes Minimum premiums vary by class, limits, and coverage scope—submitters should expect underwriting questions about controls and loss history to determine pricing and eligibility. Territories and Availability This non-admitted program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Agents and brokers writing business in these states can access IPMG’s E&S markets for competitive placement options. Why Work With IPMG? IPMG combines niche commercial program experience with direct access to multiple excess & surplus markets. That means: Responsive underwriting geared to complex or unusual crime exposures Flexible placement options, including primary and excess layers A partnership approach for agents—IPMG supports submissions, negotiates terms, and helps structure limits and retentions Whether you’re placing a municipality, a multi-site nonprofit, or a growing company with heavy transaction volume, IPMG can help secure tailored crime protection where admitted markets may not be available or sufficient. Give us a call for more information about IPMG's Crime Coverage Insurance! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include private and public companies, municipalities, and nonprofits that handle significant cash flows or financial transactions and need protection against fraud, theft, or employee dishonesty. Is this coverage available on an admitted basis?No. This program is offered on a non-admitted basis through multiple E&S markets accessed by IPMG. What is the minimum premium for this program?Minimum premiums vary depending on the risk profile, selected limits, and coverage options. Contact IPMG for specific underwriting guidance and premium indications. Can this policy be written as excess over another crime policy?Yes. IPMG can provide both primary and excess limits to create layered coverage structures when appropriate. Which states is this program available in?This program is currently available in Florida, Illinois, Indiana, Iowa, and Missouri. Need help placing an account? Connect with a market specialist.

Vacant Building Insurance IPMG offers a flexible and reliable solution for agents and brokers seeking coverage for vacant properties. Whether your client owns a residential property awaiting renovation or a commercial building between tenants, our Vacant Building Insurance program provides the protection needed to manage these unique exposures. Overview of the Program From IPMG IPMG (Insurance Program Managers Group) brings specialized markets for hard-to-place risks like vacant buildings. With access to A-rated non-admitted carriers, we help agents secure quality protection for property owners who may not qualify for standard insurance due to vacancy status. We offer responsive service and underwriting expertise for vacant risks in select states. Ideal Accounts and Appetite Our program is designed for a wide range of vacant properties, including: Residential dwellings between tenants or undergoing minor renovations Commercial buildings temporarily unoccupied but maintained Properties awaiting sale or redevelopment We can consider risks with responsible ownership and a clear plan for occupancy or sale. Properties undergoing major structural changes or with severe deferred maintenance may not qualify. Coverage Highlights and Advantages We offer comprehensive options, including: Property coverage with Replacement Cost or Actual Cash Value, depending on eligibility Special Form available on qualified risks General Liability coverage to protect against third-party claims Builder’s Risk coverage when applicable Various deductible options to fit your client’s budget There are no Total Insured Value (TIV) restrictions, allowing flexibility for small to mid-size vacant buildings. Underwriting Notes and Minimum Premiums Minimum premiums range from $500 to $750 per line of coverage, depending on the risk profile. We write on non-admitted paper through A-rated carriers, giving us more flexibility in underwriting and pricing. We aim for quick turnaround and competitive terms on qualified submissions. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Missouri (MO) Indiana (IN) Iowa (IA) If you operate in one of these states and have a vacant property risk that doesn’t fit the standard market, we encourage you to reach out. Why Work With IPMG on Vacant Building Risks? IPMG has a strong reputation for delivering flexible programs backed by experienced underwriting and top-tier carrier access. We understand the challenges agents face when placing vacant property coverage and provide the tools to help you serve your insureds efficiently. Our team is committed to helping you find the right fit for your clients—whether they own a vacant retail storefront or a single-family rental between tenants. Contact IPMG today for all your Vacant Building Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and commercial buildings that are temporarily vacant due to tenant turnover, pending sale, or light renovations. Can I submit a property that is undergoing renovations?Yes, properties with minor or cosmetic renovations are eligible. For major structural changes, builder’s risk coverage may be more appropriate and subject to underwriting. Is there a limit on the building value or TIV?No, there are no Total Insured Value (TIV) restrictions. We can accommodate a wide range of property values based on underwriting review. What states is this program available in?We currently offer this vacant building insurance program in Florida, Illinois, Missouri, Indiana, and Iowa. What kind of carriers are used for this program?We work with A-rated non-admitted carriers to provide flexible, high-quality options for vacant property risks. Need help placing an account? Connect with a market specialist.

Home Health Care Insurance Program from IPMG Insurance Program Managers Group (IPMG) offers specialized access to Home Health Care Insurance markets designed to meet the needs of agencies providing in-home medical and non-medical services. Whether your client operates a large multi-state agency or a smaller local home health provider, IPMG connects you with tailored coverage solutions that help protect their operations and support compliance in a high-risk industry. Ideal Accounts and Appetite This program is well-suited for a wide range of home health care providers, including: Skilled nursing and medical home care agencies Personal care and companion services Home therapy providers (physical, occupational, speech) Hospice and palliative care services You might have a client who provides non-medical caregiving services in multiple counties or a skilled nursing provider expanding into in-home IV therapy—IPMG’s markets can help you place these risks effectively. Coverage Highlights and Advantages IPMG’s program includes a comprehensive suite of coverages designed to address the unique exposures faced by home health care providers. Coverage options include: Professional Liability – Protection against claims of negligence, errors, or omissions in patient care. General Liability – Covers premises and operations exposures, including bodily injury and property damage. Hired and Non-Owned Auto – Provides coverage for employees using personal vehicles for company business. Crime – Safeguards against employee theft and other dishonest acts. Data Breach and Privacy & Security Liability – Addresses HIPAA-related and cyber exposures. Sexual Misconduct Sublimit – Included to address this critical exposure area. Employee Benefits Liability – Covers administrative errors in employee benefits programs. These coverage options allow your insureds to focus on delivering care, knowing their operations are protected from key risks. Underwriting Notes and Minimum Premiums This program is offered on a non-admitted basis through Hiscox, giving greater flexibility in crafting solutions for complex risks. The minimum premium starts at $1,500, making it accessible for a broad spectrum of home care businesses. IPMG’s underwriting team is experienced in health care risks and can help you navigate eligibility and placement quickly. Territories and Availability The Home Health Care Insurance Program is currently available in the following states: Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Why Work with IPMG? As a Managing General Agency and E&S Broker, IPMG brings deep industry knowledge, especially in health care-focused risks. Their specialized team offers responsive service, experienced underwriters, and access to trusted carriers. IPMG empowers agents like you to place challenging home health care accounts with confidence. For more information or to discuss a risk, contact: Mike Miller (IL) Director - Healthcare Division (630) 485-5850 [email protected] Kristina Freeze (MO) Underwriter (314) 293-9704 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Home Health Care Insurance program?Ideal accounts include both medical and non-medical home health care providers, such as skilled nursing agencies, personal care aides, and therapy service providers operating in homes. Is this program available on an admitted basis?No, this program is offered on a non-admitted basis through Hiscox, providing flexibility for unique or hard-to-place risks. What states is the program available in?The program is currently available in Illinois, Indiana, Iowa, and Missouri. What is the minimum premium for this program?The minimum premium for eligible accounts starts at $1,500. Who can I contact to get a quote or learn more about placing business?You can reach out to Mike Miller in Illinois or Kristina Freeze in Missouri for underwriting questions or to submit a risk. Need help placing an account? Connect with a market specialist.

Environmental Insurance IPMG offers access to comprehensive Environmental Insurance markets designed to help agents and brokers place coverage for a wide range of environmentally exposed businesses. Whether your client is an environmental contractor, a non-environmental service provider with incidental exposures, or a transporter of hazardous materials, IPMG can help you find the right market to protect them. This program addresses the growing need for customized environmental coverage across multiple industries. With access to both admitted and non-admitted markets, IPMG provides flexible solutions tailored to protect against pollution liabilities, site risks, transportation exposures, and more. Targeted Classes Our Environmental Insurance program is ideal for a wide range of businesses, including: • Environmental Consultants • Environmental and Restoration Contractors • Non-Environmental Contractors with incidental pollution exposures • Transportation and logistics companies handling environmental products • Site Risks – any class of occupancy or use • Manufacturers • Healthcare and Medical Facilities • Real Estate Owners and Developers • Municipalities, Schools, and Universities • Oil & Gas operations • Underground and Above Ground Storage Tank operators Coverage Highlights Available coverages through IPMG include: • Contractors Pollution Liability (CPL) • Professional Liability for consultants and service providers • Transportation Pollution Liability • Site Pollution Liability – for both waste and non-waste operations • Coverage for Mold, Asbestos, and Lead exposures • Commercial General Liability • Commercial Excess Liability Underwriting Notes and Minimum Premiums Minimum premiums start at $1,500, making this program accessible for small to mid-sized accounts. IPMG works with brokers to evaluate each submission on its own merits and deliver tailored options based on the client’s operations and exposure levels. Appetite includes both new ventures and established firms with environmental risk components. Available Territories This Environmental Insurance program is currently available in the following states: Arkansas (AR), Florida (FL), Iowa (IA), Illinois (IL), Indiana (IN), Missouri (MO), Ohio (OH), and Wisconsin (WI). Why Work With IPMG? IPMG is a wholesale broker with deep experience in the environmental insurance market. Their team understands the complex risks associated with pollution exposures and works closely with agents to navigate specialty markets. Whether you're placing a standalone CPL policy for a remediation contractor or a site liability policy for a redevelopment project, IPMG helps you access the right carriers and coverages for your client’s needs. You might have a client who owns a portfolio of older industrial sites being redeveloped for mixed-use – IPMG can help secure site pollution coverage to protect against legacy contamination. Or perhaps your client is a plumbing contractor occasionally handling mold remediation – the program can provide CPL to address incidental exposures. Partner with IPMG to find solutions for your environmental accounts and gain access to markets that understand the unique challenges of this niche. Frequently Asked Questions What types of accounts are a good fit for IPMG's Environmental Insurance program?This program is ideal for environmental contractors, consultants, transportation firms, manufacturers, healthcare facilities, and real estate developers with pollution exposures. Are non-environmental contractors eligible for coverage?Yes, non-environmental contractors with incidental pollution exposures—such as general contractors or plumbers—may qualify for Contractors Pollution Liability and related coverages. What is the minimum premium for this program?The minimum premium starts at $1,500, depending on the class and exposure level of the account. Is this program available in all states?No, IPMG currently offers this program in AR, FL, IA, IL, IN, MO, OH, and WI. Does IPMG offer admitted or non-admitted markets for this program?IPMG offers access to both admitted and non-admitted markets, depending on the risk profile and class of business. Need help placing an account? Connect with a market specialist.

Lawn Care Services, Tree Trimming, and Related Services Insurance Insurance Program Managers Group (IPMG) offers a specialized program for agents and brokers placing business for lawn care, landscaping, and tree service operations. The program provides access to A-rated markets that understand the unique liability, pollution, and equipment exposure these contractors face—whether they provide seasonal lawn maintenance, install and service sprinkler systems, perform tree trimming or removal, or operate nursery facilities. This program is designed for brokers seeking flexible, industry-focused solutions. IPMG underwriters evaluate operations by scope of work and safety controls, so both small residential lawn crews and mid-sized commercial landscaping contractors can find appropriate placements when their exposures fit the appetite. Target Classes and Ideal Accounts Lawn care and landscaping contractors (residential and commercial) Sprinkler system installation, maintenance, and irrigation specialists Tree trimming, pruning, and removal services Nursery and greenhouse plant care operations Companies that apply herbicides, pesticides, or fertilizers as part of services If you have a client who runs a small team trimming trees and maintaining residential lawns, or a mid-sized landscape contractor that provides grounds maintenance and irrigation services, this program is a practical option to explore. Coverage Highlights Commercial General Liability – Third-party bodily injury and property damage protection tailored to outdoor service exposures. Contractors Pollution – Coverage for chemical applications and pollution liability tied to herbicide, pesticide, and fertilizer use. Inland Marine – Protection for contractor tools, equipment, and portable gear essential to operations. Excess Liability / Umbrella – Additional limits for higher-severity exposures and larger projects. Coverage can also extend to plants, shrubs, and other vegetation while under the insured’s care, custody, and control, depending on the submission and selected options. Underwriting Notes and Minimum Premiums Minimum premiums typically range from $500 to $750 per line of coverage. Program is placed with non-admitted carriers rated A or higher in the eligible states. Underwriters prefer clean safety records, defined scopes of work, trained staff, and documented pesticide/herbicide application procedures. For faster quoting, include a completed application, current loss runs, and a clear description of operations (including whether subcontractors are used and any certificate controls). Program Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Missouri (MO) Indiana (IN) Iowa (IA) Note: The program is written on non-admitted paper in these states. Why Work With IPMG IPMG brings deep underwriting experience and established carrier relationships within the lawn care and landscaping niche. Their state-based contacts deliver responsive service and practical, risk-aware solutions. As a broker, you benefit from an underwriting team that understands equipment exposures, chemical application risks, and the operational differences between residential and commercial accounts. Example fits: A residential lawn care firm with 3–6 employees that provides weekly mowing, fertilization, and occasional pesticide treatments. A mid-sized landscape contractor that handles commercial grounds maintenance, irrigation system service, and selective tree pruning—with documented safety programs and endorsed pollution controls. Reach out to the appropriate contact for your state to discuss submissions and get quotes: 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 designed for businesses offering lawn care, landscaping, sprinkler system services, tree trimming and removal, and plant nursery operations. Accounts that regularly apply herbicides or pesticides are also eligible. Is this program available on admitted paper?No, this program is written on non-admitted paper with A-rated carriers in the eligible states. What is the minimum premium required?The minimum premium ranges from $500 to $750 per line of coverage, depending on the specific risk and coverage selected. What states is this program available in?The program is currently offered in Florida, Illinois, Missouri, Indiana, and Iowa. What coverages are included in the program?Available coverages include Commercial General Liability, Contractors Pollution, Inland Marine for contractor tools, and Excess/Umbrella Liability. Need help placing an account? Connect with a market specialist.

Privacy Protection and Data Breach Coverage from Insurance Program Managers Group (IPMG) IPMG provides access to specialist markets for Privacy Protection and Data Breach insurance tailored for a wide range of commercial risks. This program is designed for agents who need flexible cyber and privacy solutions — from small professional firms to mid-sized retailers and service providers — backed by carriers experienced in handling breach response, liability, and cyber business interruption. Ideal Accounts and Appetite This program is a strong fit for agents placing accounts in the following classes: Professional services: lawyers, accountants, independent insurance agents, consultants and other firms that handle client information. Retail merchants and e-commerce businesses that accept payment cards or store customer records. Education organizations: private schools, tutoring centers, and training providers. Financial services firms and advisers with sensitive client data. Hospitality, restaurants and food service operations with POS systems and guest records. Health and medical practitioners and ancillary healthcare services. IPMG can consider many other classes — if you have an account with customer data, payment processing, or third-party hosted systems exposure, it may be eligible. Coverage Highlights and Advantages Privacy Protection and Data Breach Cost coverage to respond to regulatory inquiries, notification, credit monitoring and forensics. Multimedia liability to address content- and media-related exposures. Cyber Business Interruption and Hacker Damage for income loss and system repair after an attack. Cyber Extortion and crisis-management response for ransom events and negotiation costs. Policy limits available up to $10,000,000, with flexible limit structures to match client needs. Underwriting Notes and Minimum Premiums Typical submission requirements will include a description of operations, revenue, prior incidents, and information security practices (e.g., firewalls, backups, MFA where used). The program can underwrite first-time buyers as well as renewal placements; appetite and pricing will reflect sector, revenue, and controls in place. Minimum premium: $625. Higher limits, complex accounts, or accounts with material prior incidents may require additional underwriting detail and higher premiums. Territories and Availability This program is available in the following states: FL, GA, IL, IN, IA, MO. Availability may vary by carrier and risk characteristics, so please submit details early for confirmation. Why Work With IPMG on Privacy & Breach Risks Market access: IPMG places these risks with carriers that specialize in privacy and cyber exposures. Flexibility: options for standalone cyber/privacy coverage or packaged solutions to address multimedia, extortion and business interruption. Responsiveness: tailored submissions and underwriting guidance to help you place accounts that might otherwise be hard to bind. Example Account Scenarios A regional dental practice that stores patient records electronically and wants breach response, regulatory defense, and business interruption coverage. An independent CPA firm that handles tax returns for hundreds of clients and requires privacy liability and cyber extortion protection. Contact IPMG for a quote and to discuss the best market placement for your client’s exposure. Provide revenue, a summary of data handled, security controls, and any prior cyber incidents to expedite review. Frequently Asked Questions What types of accounts are a good fit for IPMG’s Privacy Protection and Data Breach program?Accounts that handle customer or client data, payment information, or proprietary business information — especially small to mid-size professional services firms, retailers, restaurants, education providers, and healthcare practitioners — are a good fit. IPMG can also consider other industries with similar exposures. What coverage components can I expect to place through this program?The program can provide privacy protection, data breach response costs, multimedia liability, cyber business interruption, hacker damage, and cyber extortion. Limits are available up to $10M depending on the carrier and risk. What are the typical underwriting requirements?Underwriters typically ask for a description of operations, annual revenue, details on the types of data stored or processed, security controls (e.g., backups, firewalls, MFA), and history of prior incidents. More complex risks may require additional documentation. Are there state restrictions or minimum premiums?The program is available in FL, GA, IL, IN, IA and MO. The stated minimum premium is $625; actual premium depends on class, revenue, limits, and underwriting factors. Need help placing an account? Connect with a market specialist.

IPMG is a leading Program Administrator with deep expertise in Public School Districts Insurance throughout Illinois. With a strong understanding of the unique risks facing public K-12 school systems, IPMG offers a comprehensive and competitively priced insurance program tailored to meet the specific needs of educational institutions. By working with multiple admitted carriers, IPMG delivers tailored insurance solutions that address the full spectrum of exposures faced by public school districts. From liability concerns to employee and student safety, our team is committed to protecting your clients’ operations with flexible underwriting and responsive claims support. With centralized claims services, complimentary online risk control tools, and a collaborative service model, IPMG is your go-to partner for placing Public School Districts Insurance in Illinois. Ideal Accounts and Appetite This program is designed for public school districts of all sizes located in Illinois. Whether your client is a small rural district or a large suburban system, IPMG can tailor coverage packages to fit their specific needs. We are particularly well-suited for districts seeking bundled solutions, centralized claims handling, and access to specialized risk management tools. Coverage Highlights General Liability Broad Form Named Insured Employee Benefit Liability Sexual Abuse and Misconduct Corporal Punishment Athletic Participation Educator Legal Liability Wrongful Acts Civil Rights Violations Employee-Related Claims Property Equipment Breakdown Special Coverage Extensions Blanket/Agreed Amount Business Automobile Coverage Inland Marine Workers Compensation Additional Coverages Available Identity Theft Recovery Violent Threat Response Coverage Kidnap and Ransom Student Accident Workers Compensation (Several Markets Available) Full Earthquake Limits throughout the Entire State of IL Increased Excess Liability Limits Pollution Liability Treasurer's Bonds Let us help you write your Public School Districts Insurance. Underwriting Notes and Minimum Premium Minimum premium starts at $10,000. IPMG works with admitted carriers and offers flexible underwriting solutions, depending on the size and scope of the school district. We can help you tailor proposals that balance comprehensive protection with budget-conscious pricing. Territories and Availability This program is available exclusively in Illinois. We offer admitted markets for most districts and can provide options through several available markets depending on the risk profile. Why Work With IPMG? IPMG brings focused expertise and a deep understanding of the public education sector in Illinois. Our team offers centralized claims services, risk control resources, and extensive market access, allowing you to deliver value and protection to your school clients. Whether you're helping a district recover from a property loss or managing liability exposures tied to student programs, IPMG is a trusted partner with the tools to support your success. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for public K-12 school districts in Illinois, including small rural schools and large urban or suburban districts seeking comprehensive insurance packages. Is this program available on an admitted basis?Yes, IPMG works with admitted carriers for most accounts, although some markets may vary depending on the risk profile. What is the minimum premium for this program?The minimum premium starts at $10,000. Pricing may vary depending on the size and complexity of the school district. Can this program cover student-related risks?Yes. Coverages such as Student Accident, Sexual Abuse and Misconduct, and Athletic Participation are available to address student-related exposures. Is Workers Compensation included in the package?Yes, Workers Compensation is available with access to several markets, and can be included as part of a comprehensive coverage package. Need help placing an account? Connect with a market specialist.

Workers Compensation Solutions for Social Services Accounts Insurance Program Managers Group (IPMG) offers a specialized Workers Compensation Insurance program tailored to the needs of social services organizations. With class codes 8864 and 8842, our program is designed to support agents and brokers looking to place business for clients in the social services sector, including nonprofits, counseling centers, residential care facilities, and more. Ideal Accounts and Appetite This program is ideal for social service organizations that provide care, counseling, or residential services. We can accommodate a wide range of operations, including start-ups and accounts with high experience modification ratings. Whether your client is a new counseling clinic or a multi-location residential facility, IPMG has the markets and expertise to find the right solution. Example accounts that may be a strong fit include: A start-up behavioral health nonprofit hiring its first team of counselors An established addiction treatment center with a challenging loss history Coverage Highlights and Advantages Our Social Services Workers Compensation Insurance program brings together strong market access and dedicated service. Highlights include: Minimum premium of $7,500 Start-up operations accepted Access to A- rated carriers or better Competitive solutions for clients with high experience mods We work closely with brokers to ensure the best possible fit for each client, balancing coverage needs with pricing considerations across multiple markets. Submission Requirements To begin the underwriting process, the following items are required: Completed Accord application with a description of operations Currently valued loss runs (if applicable) Current Experience Modification Rating (if applicable) Territories and Availability This program is available in a wide range of states, including but not limited to IL, CA, TX, FL, and NY. We currently offer access across over 40 jurisdictions: AK, AL, AR, AZ, CA, 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. We work with both admitted and non-admitted markets, depending on state and account specifics, offering flexibility to meet your clients’ coverage needs. Why Work With IPMG? At IPMG, we combine deep workers compensation expertise with a strong understanding of the social services landscape. Our brokers benefit from: Dedicated support and responsive service Broad market access tailored to social service risks Ability to place both clean and distressed accounts Flexible underwriting with a focus on long-term client relationships If you're looking for a reliable partner to place Workers Compensation coverage for your social services clients, IPMG is ready to help. Let us help you find the best fit at the most competitive premium. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is designed for social service organizations such as counseling centers, residential care facilities, behavioral health providers, and nonprofits offering community services. Can start-up operations apply for coverage?Yes, we accept start-up social service accounts, provided they meet underwriting guidelines and submission requirements. What is the minimum premium for this program?The minimum premium for eligible accounts is $7,500. Do you work with accounts that have high experience mod ratings?Yes, we have markets that can accommodate clients with higher-than-average experience modifications. What documentation is required for submission?Submissions should include a completed Accord application with a description of operations, currently valued loss runs (if applicable), and the current experience mod rating (if applicable). Need help placing an account? Connect with a market specialist.

Take Out Restaurant Insurance Insurance Program Managers Group (IPMG) offers a specialized Take Out Restaurant Insurance program for foodservice operations with substantial take-out or delivery exposure. If a restaurant derives at least 35% of receipts from take-out or delivery, this program provides targeted liability and property coverages designed to address those off-premise risks. Ideal Accounts and Appetite This program is a strong fit for agents placing restaurants where off-premise sales are a significant portion of business. Typical accounts include: Family-style restaurants that prepare food on-site, have 35%+ of sales from take-out/delivery, and no more than 10% of total sales from alcohol. Quick-service or limited-seating operations (fewer than 20 seats or about 4 tables) with no alcohol sales and a heavy take-out/delivery mix. Eligible operations commonly placed through this program include: Asian restaurants Sub and sandwich shops Bagel and donut shops Coffee shops Food court restaurants in malls Coverage Highlights and Advantages IPMG’s Take Out Restaurant Insurance focuses on the exposures created by high off-premise sales. Key coverages available include: General liability tailored for foodservice operations Commercial property for building contents and equipment Liability-only accounts start at $600, with package minimums beginning at $900. Policies are placed on non-admitted paper through A-rated carriers, providing capacity and underwriting expertise for risks that may be difficult to place in standard markets. Underwriting Notes and Minimum Premiums Underwriting review is required for every submission. Some small operations may qualify as non-auditable if annual receipts are under $500,000—this can simplify placements for lower-revenue clients. Appetite is focused on single-location, on-site food preparation with substantial take-out/delivery volume; higher-risk exposures (extensive alcohol sales, multiple locations, or significant catering/onsite event exposures) will generally be declined or require separate review. Territories and Availability This program is currently available in the following states: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) Contact the appropriate state representative below to discuss specific submissions, appetite nuances, and available limits. Why Work With IPMG? IPMG specializes in niche commercial programs and offers agents access to markets that understand take-out and delivery-focused restaurant risks. The underwriting team has experience placing accounts that do not fit typical restaurant markets and can help identify the right structure and limits for off-premise exposure. Whether your client runs a busy sandwich shop with no seating or a family-style kitchen offering curbside pickup and limited alcohol sales, IPMG can help place the account efficiently and competitively. Program Contacts by 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?Restaurants with 35% or more of sales from take-out or delivery, including sub shops, coffee shops, and Asian restaurants. Family-style restaurants with limited alcohol sales may also qualify. Is this program available in my state?This program is available in FL, IL, IN, IA, and MO. Contact the corresponding state representative for submission details. What coverage options are available?Coverage includes liability and property. Packages start at $900, and standalone liability starts at $600. Are small operations eligible?Yes, risks with under $500,000 in receipts may be considered non-auditable, making the program accessible for smaller businesses. Who underwrites the policies?Coverage is written on non-admitted paper through A-rated carriers, ensuring strong financial backing and underwriting expertise. Need help placing an account? Connect with a market specialist.