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Home Health Care Insurance Program from IPMG Insurance Program Managers Group (IPMG) provides targeted access to Home Health Care Insurance markets for agents who place in-home medical and non-medical service providers. Whether you're working with a multi-state skilled nursing agency or a local personal care provider, IPMG connects you to tailored E&S solutions designed to address the specific operational and professional exposures of home-based care. Ideal Accounts and Appetite This program fits a broad range of home care operations, including: Skilled nursing and licensed medical home care agencies Personal care, companion and homemaker services Home-based therapy providers (physical, occupational, speech) Hospice and palliative care providers Typical placements include agencies providing personal care across multiple counties, therapy companies delivering services in clients’ homes, and skilled providers expanding into services such as in-home IV therapy. Accounts with clear hiring and supervision practices, documented policies, and basic risk management are generally preferred. Coverage Highlights and Advantages IPMG’s Home Health Care program pairs underwriting expertise with a comprehensive coverage package to protect common exposures for home care providers. Key coverages include: Professional Liability – Defense and indemnity for alleged negligence, errors, or omissions in patient care. General Liability – Premises and operations protection for bodily injury and property damage arising from day-to-day services. Hired and Non-Owned Auto – Coverage for employees using personal vehicles on company business. Crime – Protection for losses from employee theft and related dishonest acts. Data Breach & Privacy/ Security Liability – Coverage for HIPAA-related incidents and cyber/privacy exposures. Sexual Misconduct Sublimit – Acknowledges and addresses a sensitive exposure area common to home care. Employee Benefits Liability – Coverage for administrative errors in benefit programs. These options give your insureds practical protection across professional, general, cyber, and employee-related risks so they can focus on care delivery. Underwriting Notes and Minimum Premiums The program is placed on a non-admitted basis through Hiscox, offering placement flexibility for unique or harder-to-place risks. Underwriters favor accounts with documented policies, clear staff credentialing, reasonable visit limits per caregiver, and basic loss-control practices. The minimum premium for eligible accounts starts at $1,500. For agencies with higher limits, multi-state operations, or significant professional exposure, IPMG’s underwriting team can structure broader solutions—contact underwriting to discuss specific scenarios and appetite exceptions. Territories and Availability Current availability: Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Coverage is written through E&S markets and may not be available on an admitted basis in these states. Why Work with IPMG? As a Managing General Agency and E&S broker, IPMG specializes in health care risk and provides responsive underwriting, timely submissions, and access to a trusted carrier (Hiscox) for this line. Their healthcare division understands the operational nuances of home care and helps agents place both routine and complex accounts efficiently. Example scenarios that fit well: A mid-sized home health agency expanding into in-home infusion services that needs professional liability plus cyber/privacy protection. A regional personal care company with employees using personal vehicles to transport clients who needs hired/non-owned auto and crime coverage. For underwriting questions or to submit 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 clients’ homes. Is this program available on an admitted basis?No. This program is offered on a non-admitted (E&S) basis through Hiscox, which allows flexibility for unique or harder-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?Reach out to Mike Miller for Illinois accounts or Kristina Freeze for Missouri underwriting questions and submissions. Need help placing an account? Connect with a market specialist.

Environmental Insurance IPMG provides access to comprehensive Environmental Insurance markets so agents and brokers can place coverage for a wide range of environmentally exposed businesses. Whether your client is an environmental contractor, a non-environmental service provider with incidental pollution exposures, or a hazardous materials transporter, IPMG can help you identify the right market and structure to protect them. This program is designed to meet the growing need for customized environmental solutions across multiple industries. With access to both admitted and non-admitted markets, IPMG delivers flexible options tailored to pollution liabilities, site risks, transportation exposures, contaminated property, and related environmental claims. Targeted Classes Primary classes that fit this Environmental Insurance program include: • 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 evaluates each submission on its merits and works with brokers to tailor limits, extensions, and forms to the client’s operations and exposure level. Appetite includes both new ventures and established firms with environmental risk components; higher hazard operations will be considered on a case-by-case basis with fuller underwriting information. Available Territories This Environmental Insurance program is currently available in: 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 focused expertise in environmental insurance. Their underwriting team understands pollution exposures and the specialty markets that write them. Working with IPMG provides: • Market access to admitted and non-admitted carriers experienced in environmental risks • Tailored placement strategies for site, contractor, transportation, and professional exposures • Practical guidance on submissions and documentation to streamline placement Example scenarios where this program is a strong fit: • You represent a developer converting older industrial sites to mixed-use projects — IPMG can help secure site pollution liability for legacy contamination and redevelopment risks. • You have a small plumbing or general contractor who occasionally handles mold or lead remediation — the program can provide Contractors Pollution Liability to address incidental pollution exposures that standard GL may exclude. Partner with IPMG to access markets that understand environmental complexity and to place tailored solutions for your clients’ environmental exposures. Frequently Asked Questions What types of accounts are a good fit for IPMG's Environmental Insurance program? This program is well suited for environmental contractors, consultants, transportation firms, manufacturers, healthcare facilities, real estate developers, and other insureds 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, depending on scope of work and controls in place. What is the minimum premium for this program? Minimum premiums start at $1,500, though final pricing depends on class, operations, limits, and underwriting details. Is this program available in all states? No. IPMG currently offers this Environmental Insurance program in AR, FL, IA, IL, IN, MO, OH, and WI. Does IPMG place business in both admitted and non-admitted markets? Yes. IPMG has access to both admitted and non-admitted markets and will recommend the best placement based on the risk profile and client needs. Need help placing an account? Connect with a market specialist.

IPMG (Insurance Program Managers Group) offers a focused Pest Control Insurance program designed to help agents place professional pest-management accounts across a range of exposures. As a Managing General Underwriter and Excess & Surplus Lines broker, IPMG provides access to top-rated markets, including Markel, with most capacity available on a non-admitted basis. This program is positioned for independent agents and brokers seeking dependable coverage solutions for pest control clients in Illinois, Missouri, Iowa, Indiana, and Florida. Ideal Accounts and Appetite IPMG’s Pest Control Insurance program targets licensed pest management firms that perform termite control, rodent removal, insect treatments, herbicide/pesticide applications, and weed abatement. The program accommodates residential, commercial, and light industrial operations—especially businesses that handle chemicals, perform treatments at heights, or regularly enter customer property. Coverage Highlights and Advantages The program bundles core liability and property protections with industry-specific coverages designed for pest control exposures: General Liability Property Commercial Auto Excess Liability Care, Custody and Control Herbicide/Pesticide Application coverage Job Site Pollution — up to policy limits Transit Pollution — up to policy limits Limited Mold Coverage These coverages help protect operations from claims tied to chemical exposure, accidental environmental damage, and property damage during service calls. For example, a commercial property manager seeking protection for routine termite treatments or a residential operator applying pesticides in neighborhoods would benefit from the program’s pollution and pesticide-application features. Underwriting Notes and Minimum Premiums IPMG underwrites qualified, licensed pest control businesses with a flexible approach that supports both small start-ups and established midsize companies. The program carries a low minimum premium, making it accessible for a broad range of accounts. Underwriters review environmental controls, chemical-handling procedures, employee training, and vehicle operations when assessing risk. Territories and Availability This program is currently available in: Florida (FL) Illinois (IL) Indiana (IN) Iowa (IA) Missouri (MO) IPMG places many accounts through non-admitted markets, which provides underwriting flexibility for higher-risk or unique operations while maintaining access to admitted carriers where appropriate. Markel is among the carriers accessible through this program. Why Work With IPMG? IPMG combines program-specific underwriting expertise with surplus lines placement capabilities. Agents gain direct access to experienced underwriters and regional contacts who understand the operational and regulatory realities of pest control businesses. The firm’s focus on environmental and pollution exposures, plus its relationships with carriers like Markel, helps agents place accounts that might be difficult in standard markets. 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?Licensed pest control firms providing residential, commercial, or light industrial services—such as termite control, insect treatments, rodent removal, and pesticide application—are a strong fit. Is this program admitted or non-admitted?IPMG places business through several markets; most capacity is available on a non-admitted basis, which allows more flexible underwriting for specialized or higher-risk accounts. What is the minimum premium for this program?The program offers a low minimum premium, making it practical for small and mid-sized operators, including start-ups and growing companies. What coverages are included in the Pest Control Insurance program?Available coverages include General Liability, Property, Commercial Auto, Excess Liability, Pollution (job site and transit), Limited Mold, Care/Custody & Control, and Herbicide/Pesticide Application coverage. Which states is this program available in?This program is available in Florida, Illinois, Indiana, Iowa, and Missouri. 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.

Insurance Program Managers Group (IPMG) offers specialized Claims Management Services for Self Insurance Clients designed to help your clients reduce liability and workers’ compensation costs. With extensive experience managing diverse program business risk pools and self-insured retention (SIR) structures, IPMG brings a proactive, results-focused approach to claims handling that benefits both insureds and their brokers. Whether your client is a municipality, healthcare facility, educational institution, or commercial business pursuing more control over claims expenditures, IPMG’s in-house claims management team offers the tools and expertise to deliver efficient resolution and long-term cost containment. Our aggressive approach to claims resolution consistently helps clients achieve better outcomes while safeguarding their bottom line. Ideal Accounts and Appetite This program is ideal for self-insured entities or clients utilizing SIR structures who want to improve claims oversight and reduce overall program costs. IPMG is particularly well-suited for: Public entities such as cities, towns, and counties School districts and other educational institutions Healthcare organizations and hospital systems Mid- to large-size commercial businesses with self-insurance components If you work with clients who are exploring self-insurance to control costs or already have a program in place but need better performance, IPMG provides the claims infrastructure and expertise to support them. Coverage Highlights and Advantages IPMG's Claims Management Services include a full suite of tools and support to enhance claims outcomes: Dedicated adjuster model for personalized service Online claims reporting and real-time access via our proprietary InSight portal 24-hour contact on all new claim submissions Quarterly claim file reviews and stewardship meetings Customizable service plans tailored to your client’s operational needs Compliance with Medicare Section 111 reporting requirements Integrated nurse case management and pharmacy drug card program Underwriting Notes and Minimum Premiums This is a non-admitted program tailored to self-insured and SIR-based clients. IPMG reviews each submission carefully to ensure alignment with their claims philosophy and service capabilities. While no set minimum premium is listed, the program is geared toward accounts with meaningful claims volume and complexity where specialized claims handling can add measurable value. Territories and Availability IPMG’s Claims Management Services are currently available in Florida, Illinois, Minnesota, Missouri, and Wisconsin. Brokers with clients operating in these states can take full advantage of IPMG’s regional expertise and responsive service model. Why Work With IPMG With a 95% client retention rate, IPMG has earned a reputation for transparency, results, and client-focused service. Their proprietary InSight platform gives your clients full visibility into claims progress, including notes, documentation, and financials. Regular stewardship meetings help ensure accountability and continuous improvement. Brokers appreciate IPMG’s commitment to integrity and long-term partnership. Whether you’re placing a new self-insured account or looking to improve outcomes for an existing one, IPMG’s Claims Management Services offer the tools and support to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for self-insured entities or those with SIR structures, including municipalities, school districts, healthcare systems, and mid- to large-size commercial businesses. What services are included in IPMG’s claims management offering?Services include online claims reporting, dedicated adjusters, quarterly reviews, nurse case management, Medicare compliance reporting, and access to the InSight portal for full claim transparency. Can IPMG handle claims in multiple states?Yes, IPMG currently provides Claims Management Services in Florida, Illinois, Minnesota, Missouri, and Wisconsin. How does IPMG help reduce claims costs for self-insured clients?By using aggressive claims handling, early intervention, and regular performance reviews, IPMG helps clients resolve claims efficiently and reduce loss costs over time. Is there a minimum premium requirement?There is no stated minimum premium, but the program is designed for accounts with significant claims exposure where specialized claims handling adds value. Need help placing an account? Connect with a market specialist.

ICRMT Insurance Program from IPMG For more than 30 years, the Illinois Counties Risk Management Trust (ICRMT) has provided tailored insurance and risk-management solutions for public entities across Illinois. Administered by Insurance Program Managers Group (IPMG) since 1997, the ICRMT Insurance Program now serves more than 290 public entities, including nearly half of Illinois’ counties. This program is offered exclusively through independent agents and is designed to be a reliable market for public-sector clients. Coverage is available in Illinois with a program minimum premium of $10,000. Ideal Accounts and Target Classes IPMG’s ICRMT program focuses on public and quasi-public organizations. Key target classes include: County jails and correctional facilities County health departments County nursing homes Municipalities (including water, sewer, and utility operations) Townships Public school districts Special districts The program accommodates a wide range of public-sector needs — from specialized liability for law enforcement to combined property and casualty placements for municipal operations. Coverage Highlights and Program Advantages ICRMT bundles essential lines of coverage into a single program tailored for public entities. Notable coverages and services include: Property and casualty General liability Law enforcement liability Public officials liability Workers’ compensation Auto liability and physical damage Cyber liability and other ancillary coverages Beyond insurance forms, the program includes practical risk-control and claims tools that benefit insureds and ease administration for agents: Access to the Public Agency Training Council (PATC) for law-enforcement training, policy-management resources, and onsite consultation IPMG’s In-Sight claims system for real-time claim tracking, reporting, and direct communication with adjusters, nurse case managers, and risk managers Underwriting Notes and Minimum Premium The ICRMT program underwrites public entities in Illinois and evaluates risks based on exposure, operations, and loss history. The program requires a minimum premium of $10,000 and is available only through independent insurance agents. Typical underwriting considerations include facility type, staffing and training practices, safety protocols, and prior claims experience. Program Availability This program is currently available in Illinois. Admitted coverages may be available in some lines depending on the specific risk profile and coverage requested. Why Place Public-Entity Business With IPMG IPMG brings deep public-sector experience, a stable long-term market relationship with ICRMT, and program-level services that help reduce loss frequency and severity. Agents placing business with IPMG benefit from responsive underwriting, integrated claims tools, and training resources that add value for public-entity clients. The ICRMT program is a good option when your client needs comprehensive, coordinated coverage for public operations and prefers a program tailored to the unique exposures of government entities. Example Accounts That Fit A mid-sized county seeking consolidated property, liability, law enforcement, and workers’ comp coverage for its public-safety and health departments. A township operating municipal water and sewer utilities that needs combined liability and auto physical damage coverage with access to training resources. To place business, submit risks through your broker channel—IPMG works exclusively with independent agents to evaluate and bind accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Public entities in Illinois such as counties, municipalities, townships, public schools, and special districts are ideal candidates. Is this program only available in Illinois?Yes, the ICRMT Insurance Program is currently offered exclusively in Illinois. What is the minimum premium for submissions?The minimum premium for this program is $10,000. Can I submit business directly to IPMG?No, the ICRMT program is available exclusively through independent insurance agents. What services are included along with insurance coverage?In addition to comprehensive coverage, IPMG offers access to law enforcement training via PATC and claims management tools through its In-Sight system. Need help placing an account? Connect with a market specialist.

Comprehensive Market Access with Insurance Program Managers Group (IPMG) The IPMG Brokerage Service Team understands the demands agents and brokers face in today’s competitive insurance landscape. Whether you're a large agency or a smaller shop, Insurance Program Managers Group (IPMG) provides access to over 30 top-rated admitted and surplus lines markets. Our robust portfolio allows you to place both large and small accounts across a broad range of coverages including property, general liability, workers' compensation, earthquake, excess property, and umbrella. Ideal Accounts and Appetite IPMG has built a reputation for handling hard-to-place and specialty accounts. We are an excellent resource for agents looking to write: Property accounts with CAT exposures, including earthquake and wind Small to mid-sized businesses needing workers' compensation coverage Liability and umbrella coverage for contractors, manufacturers, and service industries Transportation risks and special events Professional liability for niche industries Whether your client is a startup or an established business with complex risks, our team is ready to help you find the right market fit. If you have a small account that’s been declined by standard markets or a high-hazard property exposure, IPMG can often provide solutions where others cannot. Coverage Highlights and Advantages With access to both admitted and non-admitted carriers, IPMG offers flexibility and depth in coverage solutions. Our carrier partners include industry leaders such as Travelers, Chubb, CNA, ACE, Lloyds, and Hiscox, among others. Coverage options include: General and professional liability Property and excess property Workers' compensation Umbrella and excess liability Auto (including commercial auto) Earthquake and catastrophe coverage In addition to placement, IPMG offers value-added services like loss control consulting and claims management through our TPA services—helping your insureds minimize risk and manage claims efficiently. Underwriting and Submission Support We pride ourselves on responsive, knowledgeable service. Our experienced team will review your submissions promptly, often providing same-day quotes for qualified risks. We work closely with agents to ensure risk-specific underwriting and tailored carrier placement. There is no stated minimum premium, allowing flexibility for small and emerging businesses. Territories and Licensing IPMG’s brokerage services are available in nearly all states, including but not limited to CA, TX, FL, IL, NY, PA, and WA. We are licensed in 50 states and the District of Columbia, giving you broad geographic reach for your clients' needs. Why Partner With IPMG? For over 15 years, IPMG has been a trusted partner for agents and brokers seeking fast, flexible solutions for standard and non-standard risks. Our deep market access, responsive service, and ability to write difficult or unique accounts make us a powerful resource for your brokerage. When you work with IPMG, you're backed by a team of professionals who understand your challenges and are committed to helping you succeed. For more information about Insurance Program Managers Group (IPMG) and how we can support your business, contact us today! Frequently Asked Questions What types of accounts are a good fit for IPMG's brokerage services?We specialize in hard-to-place risks, small to mid-size businesses, and accounts requiring non-admitted markets. Ideal accounts include property with CAT exposure, liability-heavy operations, and niche industries needing professional liability. Can IPMG help with small accounts or startups?Yes. We routinely work with agents to place small or new accounts that may not qualify for standard markets. There is no minimum premium requirement, making us a flexible option for a wide range of clients. What markets does IPMG have access to?We have relationships with over 30 leading admitted and non-admitted carriers, including Travelers, Chubb, CNA, ACE, Lloyds, Hiscox, and more. Is IPMG available in all states?Yes, our brokerage services are available in all 50 states and Washington, D.C. How quickly can I expect a quote?For qualified submissions, we often provide same-day quotes. Our team is committed to fast, reliable turnaround times. Need help placing an account? Connect with a market specialist.

Workers Compensation Solutions for Automotive Dealerships Insurance Program Managers Group (IPMG) offers a Workers Compensation program built specifically for new and used automotive dealerships. Whether your client runs a single-location franchise, an independent used-car lot, or a multi-state dealer group, IPMG provides underwriting expertise, access to multiple carriers, and hands-on service to help you place these accounts confidently. Ideal Accounts and Appetite This program fits a wide range of dealership operations, including franchised and independent dealers selling new or used vehicles. IPMG accepts both established businesses and start-ups, making the program useful for agents working with growing or recently formed dealers. Target classes include: New car dealerships Used car lots Buy-here-pay-here dealerships Dealers with service, repair, or detailing operations in-house IPMG can also consider accounts with elevated experience modification ratings by placing through multiple markets and loss-sensitive options. Example scenarios that typically fit: a three-location independent dealer with an in-house service bay and detail shop, or a start-up buy-here-pay-here lot with limited loss history seeking an affordable initial placement. Coverage Highlights and Advantages IPMG focuses on flexible Workers Compensation solutions backed by carriers rated A- or better. The program emphasizes market choice and practical placement options to match a dealer’s operations and loss profile. Low minimum premium — starting at $500 in most states Access to multiple admitted and non-admitted markets for competitive pricing Options for high-mod and loss-sensitive accounts Underwriting that supports businesses with limited operating history Underwriting Requirements and Submission Guidelines To speed quoting, include the following with your submission: Completed ACORD application with a clear description of operations Currently valued loss runs (if available) Current experience modification rating (if applicable) For start-ups or accounts with limited history, provide any payroll estimates and a description of on-site exposures (service bays, parts operations, detailing). Submissions are reviewed promptly and IPMG’s underwriters will work with you on attachments and market selection to fit the risk. Territories and Availability This Workers Compensation program is available in most states. IPMG writes in over 40 states, including: 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. Placement may be admitted or non-admitted depending on state rules and the specific risk. Why Work With IPMG? As a wholesale broker focused on Workers Compensation, IPMG combines specialized underwriting, broad carrier access, and a service-first approach. You benefit from tailored placement strategies, responsive claims partners, and support through binding and renewal to help retain clients. Whether you are submitting a seasoned dealership with an established loss history or helping a start-up with limited data, IPMG can help you find competitive premium and an appropriate market. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program is ideal for new and used automotive dealerships, including franchised and independent operations, and for dealers that operate service, repair, or detailing departments alongside sales. Can start-up dealerships qualify for coverage?Yes. IPMG accepts start-up operations; provide a clear description of operations and any payroll estimates to help underwriters place the account. What is the minimum premium for this program?The program’s minimum premium typically starts at $500 in most states, making it accessible for smaller or newer dealerships. Are accounts with high experience mods considered?Yes. IPMG works with multiple markets and can consider accounts with higher experience modification factors, including loss-sensitive options where appropriate. What documents are required for a submission?Submit a completed ACORD application with a description of operations, currently valued loss runs if available, and the current experience modification rating if applicable. Need help placing an account? Connect with a market specialist.