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...nstruction sites Independent welders with on-premises operations and field services Specialty welders working with gas, laser, resistance,...g in NC, VA, or DC, including mobile welders, structural welders, and those performing off-site or...

...• Bridge and Road Contractors • Welders • New Ventures • + Many More F...

...able accounts include independent welders performing repairs, maintenance, or ...

This program offers very competitive rates for welding contractors. See program highlights below which include limits up to 5/5/5 on the primary general liability policy. Overview of the Program from Gladius Insurance Services, LLC Gladius Insurance Services, LLC places Welding Contractor Insurance through a specialty Excess & Surplus Lines broker program with Certain Underwriters at Lloyd’s, London. This non-admitted E&S program targets welding and related artisan contractors and offers flexible primary limits (up to 5/5/5) and competitive pricing for qualified risks. Artisan Program Highlights A Rated by AM Best Available in: AZ, CA, ID, NV, NJ, ND, OH, OR, PA, UT Apartments OK New ventures acceptable No prior policy required Minimum premiums starting at $2,000 Roofers OK — open roof coverage available EIFS coverage can be included (subject to underwriter approval) Blanket Additional Insured, Primary/Noncontributory, Waiver of Subrogation and Per Project aggregate options available Subsidence considered with underwriting approval Prior projects acceptable with limitations No exclusion for new construction or remodels to condos/townhomes Will consider accounts with prior claim activity New construction and restoration work on residential and commercial projects, including custom and spec homes, considered Available Limits 1/1/1 2/2/2 3/3/3 4/4/4 5/5/5 Ideal Accounts and Appetite This program is designed for welding contractors and multi-trade artisan contractors that perform welding, sheet metal, structural metal work and related services. Gladius’s appetite includes: Small to mid-sized contractors with annual receipts under $1,500,000 New ventures and accounts without prior coverage Trades working on residential and light commercial projects, including remodels and restorations Accounts that need primary limits up to 5/5/5 or specific additional insured/primary language Examples you might place through this program: A welding subcontractor installing structural steel for small commercial tenant improvements with a need for 3/3/3 limits and primary additional insured wording. A residential fabricator and welder performing custom metal stair and railing work for luxury homes, newly formed with limited loss history. Coverage Highlights and Advantages Access to an A-rated Lloyd’s market through Gladius’s E&S platform. Flexible primary general liability limits up to 5/5/5. Blanket Additional Insured, Primary & Waiver options to meet many GC/contract requirements. Consideration of higher risk classes (roofing, EIFS, subsidence) with underwriter review. New ventures and accounts with prior claims are considered—underwriter discretion applies. Underwriting Notes and Minimum Premiums Key underwriting points to note: Minimum premiums start at $2,000. Receipts over $1,500,000 are generally ineligible. General contractors (GCs) are not eligible—this program is for subcontractors/artisans. EIFS, subsidence and prior projects can be included only with underwriter approval and may require supplemental information. Commercial general liability is primary on the policy; available limits listed above. Available Classes The program writes a broad list of artisan classes, including but not limited to: Air Conditioning Appliance Installation Carpentry (Interior / NOC) Chimney Cleaning Communication Equipment Concrete Construction Debris Removal Window Installation / Cleaning Paving (driveway, curb) Electrical Flooring Fencing HVAC Insulation Janitorial Landscape (*Herbicide and pesticide coverage available) Masonry Painting Plumbing Roofing Septic Tank Sheet Metal Siding Tile Welding Territories and Availability This non-admitted E&S program through Gladius is available in AZ, CA, ID, NV, NJ, ND, OH, OR, PA and UT. Availability and terms may vary by state and underwriter discretion. Why Work with Gladius Insurance Services, LLC on Welding Contractor Insurance Specialty placement capability with Certain Underwriters at Lloyd’s, providing capacity and flexibility for artisan risks. Willingness to consider new ventures and accounts with prior claim activity. Options for contract certainty: blanket additional insured, primary/non-contributory and waiver of subrogation wording. Straightforward appetite guidance that helps you quickly identify appropriate submissions. Frequently Asked Questions What types of welding or artisan accounts are a good fit for this program?The program fits welding contractors and related artisans with receipts under $1.5M doing residential or light commercial work, such as structural welding, sheet metal, railings, stair fabrication, and subcontract work where GC coverage is not required. Which states and markets are these policies placed in?Policies are placed on a non-admitted Excess & Surplus Lines basis through Gladius with Certain Underwriters at Lloyd’s. The program is available in AZ, CA, ID, NV, NJ, ND, OH, OR, PA and UT. Terms vary by state and underwriter approval. What are the submission requirements and underwriting considerations?Provide applicant information, class and revenue breakdown, experience history, details on prior claims (if any), and project types. EIFS, subsidence, new construction and roof work may require supplemental detail for underwriting review. Is there a minimum premium or size limit I should know about?Minimum premiums typically start at $2,000. Accounts with annual receipts over $1,500,000 are generally ineligible, and general contractors are not accepted on this program. Need help placing an account? Connect with a market specialist.

...vice Providers Stevedores Welders If you have a client operating ...uilders, divers, marine contractors, welders, and stevedores. Accounts with ma...

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.

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.

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.