CALIFORNIA
IMS-California Participating Carriers
Access to Independent Market Solutions Insurance Services is available at no charge to Independent Insurance Agents and Brokers of California members, and there are no minimum premium volume requirements.
Appointments are based on mutually beneficial and profitable relationships, and no appointments are guaranteed.
Personal Lines
JIBNA, MetLife Auto & Home, Progressive, Travelers
Commercial Lines
Cowbell Cyber, Attune, Progressive, RMS Hospitality, V3 Insurance
Returning agent?
If you have previously submitted an application and want to request a sub-appointment for a new or additional carrier, please email Kim Edgar.
Agency appointments are not guaranteed. Annual New Business production commitment is required for consideration. Agency is responsible for all producer licensing fees.
Business Owners Policy (BOP), Workers' Compensation, Excess Liability The BOP is on Blackboard Insurance Company (AIG) and the Excess is on New Hampshire Insurance Company (AIG) paper. The WC is on Employers Insurance Company paper
BOP and Excess-16% new business , 15% renewal WC- 10% new business and 8% renewal
BOP and Excess all states except AK, CT, MA, HI
WC Available in all states except AK, DE,HI, ND, OH, WA, WY
Bundle Solution (BOP & WC) in all states except AK, CT, DE, HI, MA, ND, OH, WA and WY
The Attune agency agreement is between Independent Market Solutions Insurance Services and the carrier. When you agree to and e-sign the subproducer agreement during this application process, you also agree to the instructions, guidelines, policies, and procedures contained in the agency agreement.
Cyber
Admitted and A Rated
Excluded Classes
Utilities, Satellite Communications, Data Processing, Hosting, Aviation, Cannabis, and Public
Colleges and Universities, Accounts with claims.
Limits from $50,000 to $5,000,000
Accounts up to $100M in revenue
Instant quote, bind, issue
Direct bill
12%
Admitted coverage in AZ, CA, CO, GA, IN, IA, IL, MI, MN, MS, NE, NV, OH, OR, PA, TX, UT, WI.
cowbell_ims_mga_authorization_and_appointment_agreement_7_2020_1_-signed-certificate2.pdf
Personal Jewelry
20% on new business (fully complete submissions)
10% on renewals and endorsements
Available in all states and DC (approved but currently not writing in Kentucky)
Individual item limit $500,000; Schedules $2.5 million (higher limits available)
Minimum premium $50 (Worldwide coverage)
No blanket coverage
Special perils (All Risk) coverage including mysterious disappearance
No-deductible standard coverage (100/250/500/1000 available)
Exposure rated
Older appraisals (typed) acceptable
The JIBNA (Jewelry Insurance Brokerage of North America) agency agreement is between
Independent Market Solutions Insurance Services and JIBNA. When you agree to and e-sign the sub-
producer agreement during this application process, you also agree to the instructions,
guidelines, policies and procedures contained in the agency agreement
Automobile, Homeowners, Personal Liability Policy
Commissions ranging from 7% to 17% based on Line of Business, monoline, and package/Multi-Policy business.
MetLife Auto & Home is considering Personal Lines appointments in the following counties: Fresno, Kern, Kings, Madera, Merced, Orange, San Diego, Stanislaus, and Tulare
Agency must have a minimum of 2 years agency ownership experience.
Agency must have a minimum of 1 additional Staff member and a predominately Personal Lines Agency.
We will not consider Start-up Agencies, auto dealership, non-standard, or work from home agencies.
Agency must write a minimum of 2 Policies a month to maintain the appointment.
Agency must have consistent monthly flow of multi-line, package business.
Agency must have a direct appointment with at least 1 or more Preferred Carriers.
Agency must be Profitable with current Carriers.
Agency must not have been previously terminated by Metlife Auto & Home.
Agency must fully complete the MetLife Profile form in its entirety to be considered. (provided in market access application confirmation).
Appointments are not guaranteed and are based on market capacity.
MetLife is no longer accepting Commercial Lines Appointments.
MetLife Auto & Home agency agreement is between Independent Market Solutions Insurance Services and the carrier. When you e-sign the sub-producer agreement during the application process, you also agree to the instructions, guidelines, policies, and procedures contained in the agency agreement. Read the Agency Agreement
Auto- Personal NEW: 10%
Auto- Personal REN: 8%
Motorcycle NEW: 13%
Motorcycle REN: 8%
Boat NEW: 8%
Boat REN: 8%
Recreational Vehicle NEW: 8%
Recreational Vehicle REN: 8%
Snowmobiles NEW: 8%
Snowmobiles REN: 8%
Progressive is making appointments across the state of CA and will assess each agency opportunity to determine appointment status.
Agents must write two auto policies per month.
Agency must have access to three or more auto carriers. At least 1 of those appointments must be with a preferred carrier. Production and Loss Ratio reports will be required with submission.
Agency must have 1 year agency ownership experience (This can be with a different agency)
Must be in good standing with Progressive
Must not have been previously terminated by Progressive
Applicant must operate and maintain a storefront or retail location for their operation
**Please make sure you provide a complete list of agency staff on the web application, where applicable, and to email marketing@imsaccess.com where additional information is required and not available to provide on the web application. Agency directory- This includes a list of all licensed owners, producers, agents, brokers and CSR’s for the agency.
Please email marketing@imsaccess.com for a copy of the agreement.
General Liability, Liquor Liability & Assault & Battery for Hospitality Risks are written with Clear Blue Specialty and United National Group. Franchise Food General Liability and Property plus WC are written with Crum & Forster Specialty Insurance.
Clear Blue Specialty General Liability 10% new and 10% renewal.
United National General Liability 10% new and 10% renewal.
Crum & Forster General Liability, Property and WC 10% new business and 10% renewal.
General Liability, Liquor Liability & Assault & Battery for Hospitality Risks is available in all states except for VT and the District of Columbia DC. The Franchise Food package is written in all 50 states.
The RMS HG agency agreement is between Independent Market Solutions Insurance Services and RMS Hospitality Group. When you agree to and e-sign the sub producer agreement during this application process, you also agree to the instructions, guidelines, policies, and procedures contained in the agency agreement. Note some programs and Excess and Surplus Lines.
Automobile, Homeowners, Dwelling Fire, Specialty Lines
Auto – up to 12% New and Renewal
Home – up to 15% New and Renewal
Specialty Lines – Varies depending on product. Available upon Request
Years in the industry 5+ years
Years in agency 2+ years
Agency has a personal lines focus
Agency with established formal written business plan preferable
Agency management system in place
Active website, social media, and willingness to Travelers digital marketing adoption required
Commitment to offering certified mileage and paperless on all new business
Agency committed to using Travelers Customer Care Center (CCC) Program
Profitable with current carriers
Account rounded focus – minimum of 4+ policies a month with Travelers
The Travelers agency agreement is between Independent Market Solutions (IMS) and the carrier. When you agree to and e-sign the subproducer agreement during this application process, you also agree to the instructions, guidelines, policies, and procedures contained in the agency agreement. Contract will be provided after appointment approved by Travelers.
The V3iconnect Comp Program is a state of the art internet Based Workers’ Compensation program designed for single and multi-state risk with full on-line quote and bind capabilities.
Small to medium sized employers, With premium ranges between $5,000.00-$200,000.00 .
V3 accepts New Ventures in all industries other than Construction.
Experience mods between 0.75 and 1.69 - other mod ranges is a referral
Wide range of industries including but not limited to construction, servicing and manufacturing
Commission rate is 8% new and renewal
The is a nationwide program that is available in all states except Alabama
The V3 agency agreement is between Independent Market Solutions Insurance Services and the carrier. When you agree to and e-sign the subproducer agreement during this application process, you also agree to the instructions, guidelines, policies, and procedures contained in the agency agreement.
APPLY FOR MARKET ACCESS
Independent Market Solutions facilitates relationships between agents who are unable to secure company appointments due to any number of reasons, and carriers with an appetite for writing coverage.