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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.

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.

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.

Workers Compensation Solutions for Hotels and Motels Insurance Program Managers Group (IPMG) offers a dedicated Workers Compensation Insurance program tailored specifically for hotels and motels. Whether your client operates a small roadside inn or a large hotel chain, IPMG provides access to strong markets, deep industry expertise, and the responsive service you need to place and manage workers compensation coverage with confidence. Ideal Accounts and Appetite This program is designed for a wide range of hospitality operations, including: Hotels, motels, and extended-stay properties Independent and franchised operations Start-up businesses in the hospitality sector Accounts with high Experience Modification Ratings (EMRs) IPMG welcomes both clean and challenged risks. If you have a client with prior losses or a higher-than-average mod, this program may still be a viable solution. Start-ups are accepted, making this an excellent fit for new hospitality ventures seeking workers compensation coverage from day one. Coverage Highlights and Advantages Minimum premium starting at $500 in most states Access to A- rated carriers or better Flexible underwriting for high-mod and distressed accounts Responsive service and support throughout the policy lifecycle Competitive pricing through a broad network of markets With IPMG, you get more than just access to markets—you gain a strategic partner who understands the unique risks and staffing dynamics in the hospitality industry. Submission Requirements and Underwriting Notes To get started on a quote, please submit the following: Completed Accord application with a detailed description of operations Currently valued loss runs (if applicable) Current Experience Modification Rating (if applicable) IPMG works to provide fast, accurate turnaround on submissions, helping you deliver results to your insureds quickly. Territories and Availability This program is available in most states, including high-demand hospitality markets such as California, Florida, Texas, New York, Illinois, and more. IPMG currently writes in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, DC Markets include both admitted and non-admitted options, depending on the account and state requirements. Why Work With IPMG? As a trusted wholesale broker with deep experience in specialty workers compensation programs, IPMG brings you the tools and underwriting access you need to write hospitality business effectively. Whether you're placing a brand-new account or trying to help a challenged client improve their coverage, IPMG's responsive team and flexible carrier relationships can help you find the right fit at a competitive premium. Partner with IPMG and deliver value-added solutions to your hotel and motel clients today. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets hotels, motels, and extended-stay properties, including start-ups and accounts with higher experience mods. Is coverage available for new businesses or start-ups?Yes, IPMG accepts start-up hospitality operations as long as proper underwriting information is provided. What are the submission requirements for a quote?You’ll need to submit an Accord application with a description of operations, currently valued loss runs, and a current Experience Mod rating if available. Are distressed accounts with high mods eligible?Yes, IPMG has markets that can consider accounts with higher-than-average mods, depending on the overall risk profile. In which states is this program available?The program is available in most states, including CA, FL, TX, NY, IL, and others. A full list is provided in the program description. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for Garbage Haulers from IPMG Insurance Program Managers Group (IPMG) offers a specialized Workers Compensation program tailored to the risks faced by garbage haulers and waste removal businesses. Designed for both commercial and residential operations, this program helps agents place challenging accounts with access to multiple markets and underwriters who understand the unique exposures of the industry. Ideal Accounts and Appetite This program is a strong fit for garbage haulers and waste removal contractors with at least two years of prior workers compensation coverage. IPMG considers accounts with elevated experience modification factors and can handle a range of operations—from small residential pickup services to regional fleets of roll-off and rear-loader trucks. Examples of suitable accounts include: A regional hauler providing residential curbside pickup across several counties. A commercial waste management firm handling refuse collection for industrial and retail clients. Coverage Highlights and Advantages IPMG combines wholesale brokerage expertise with deep workers compensation knowledge to place accounts where traditional markets may struggle. The program focuses on practical placement solutions to protect employees who perform heavy lifting, operate collection vehicles, and work in collection and disposal environments. Key benefits: Access to admitted and non-admitted markets as appropriate for the risk and state. Ability to consider high experience modification ratings. Responsive underwriting and quoting to help you get timely decisions for clients. Supportive service for both agents and insureds throughout placement. Underwriting Notes and Minimum Premiums To streamline submissions and improve placement success, IPMG typically asks for the following: Minimum premium threshold of $20,000. At least two years of prior workers compensation coverage. Complete submission packet including: Accord application with a clear description of operations and vehicle counts. Currently valued loss runs (if applicable). Current Experience Modification Rating (if applicable). IPMG will evaluate operations, payroll distribution by class code, fleet makeup, and loss history to determine the best market fit. Both admitted and non-admitted placements are available depending on state eligibility and carrier appetite. Territories and Availability This workers compensation program is available in the following states: AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA. Why Work With IPMG? As a wholesale broker focused on workers compensation, IPMG provides agents with market access and technical underwriting support to place difficult garbage hauler risks. Their experience placing accounts with higher experience mods and their relationships across admitted and non-admitted carriers help you secure competitive solutions for your clients. You might approach IPMG when you have a client who has been declined by standard markets due to a poor loss history or large fleet size, or when you need multiple market options quickly to compare terms. IPMG’s responsive quoting and service model are designed to help you close placements efficiently. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program? Garbage haulers involved in commercial or residential waste removal with at least two years of workers compensation coverage are ideal. The program also considers accounts with higher experience modification factors. Is there a minimum premium requirement? Yes. The program generally requires a minimum premium of $20,000. What do I need to submit for a quote? Provide a completed Accord application describing operations, currently valued loss runs (if available), and the current Experience Modification Rating (if applicable). Vehicle counts and payroll by class code are helpful. Which states is this program available in? IPMG’s garbage hauler workers comp program is available in AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA. Does IPMG work with both admitted and non-admitted markets? Yes. IPMG has access to both admitted and non-admitted carriers and will seek the best placement based on the client’s risk profile and state eligibility.

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.

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.

Excess Liability Insurance Insurance Program Managers Group (IPMG) offers agents and brokers access to robust Excess Liability Insurance solutions designed to help insureds manage high-limit exposures across a wide range of industries. Whether your client needs extended coverage above their primary policies or layered protection for more complex risk profiles, IPMG has the market access and underwriting flexibility to support your placement needs. Ideal Accounts and Appetite This program is available for hundreds of business classes, making it a flexible solution for a wide variety of commercial clients. Target accounts include businesses with heightened liability exposures in sectors such as construction, hospitality, transportation, manufacturing, and more. Example scenarios that fit well with this program include: A contractor who needs $10M in excess coverage layered above GL and auto to meet jobsite requirements. A hospitality client with liquor liability exposure looking to secure higher limits for umbrella protection. Coverage Highlights and Advantages Limits available up to $10,000,000 in-house, with higher amounts accessible through brokerage markets. Both primary and layered excess options are available based on account needs. Admitted and non-admitted options provided to meet underwriting and regulatory requirements. Underlying coverage types include General Liability, Auto Liability, Employer’s Liability, and Liquor Liability, among others. Backed by A-rated carriers for financial strength and claims reliability. Underwriting Notes and Minimum Premiums Minimum premiums typically range from $500 to $750 per layer, depending on the class of business and limit structure. IPMG works closely with agents to assess risk and build custom solutions that meet the insured’s risk tolerance and budget. Territories and Availability This program is available in the following states: Florida (FL), Illinois (IL), Indiana (IN), Iowa (IA), and Missouri (MO). Admitted paper may be available in some of these states, with non-admitted options ready for more complex or higher-risk placements. Why Work With IPMG IPMG brings industry expertise and strong carrier relationships to help agents place tough-to-insure accounts with confidence. Their responsiveness, underwriting support, and flexibility make them a valuable partner for agents seeking tailored excess liability solutions. Whether you're working with standard exposures or more challenging risks, IPMG is positioned to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?IPMG’s Excess Liability Insurance program fits a wide range of commercial clients, especially those in construction, hospitality, transportation, and manufacturing with significant liability exposures. What is the minimum premium for this program?Minimum premiums typically range from $500 to $750 per layer, depending on the class of business. Is this coverage available on an admitted basis?Admitted and non-admitted options are available, depending on the state and the specific risk characteristics of the account. What underlying coverages are supported?The program supports a variety of underlying coverages, including General Liability, Auto Liability, Employer’s Liability, and Liquor Liability. 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.