CONNECTICUT

IMS-Connecticut Participating Carriers


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. Access to IMS is available at no charge to IIACT members. Not a member? Join! IMS-Connecticut partners with the following companies:

Personal Lines
Chubb, Foremost Signature Home & Auto, Hippo, Progressive, Prudent Pet, Travelers

Commercial Lines
Attune, Chubb, CNA Surety, Coterie, Progressive, RMS Hospitality, SynchronoSure, 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 Jean Bloszinsky.

Agency appointments are not guaranteed. Annual New Business production commitment is required for consideration. Agency is responsible for all producer licensing fees.

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Attune

Programs Available

Business Owners Policy – BOP+
The BOP+ is written with Accredited Surety and Casualty Company Inc. in all states except NY, In NY it is written with Blackboard Insurance Company.

Workers' Compensation
Workers Compensation is written with Employers Insurance Company.

Excess Liability
Excess Liability is written with Core Specialty

Flood Insurance
Flood Insurance is written with Neptune. Neptune’s products are offered with the financial security of Lloyd’s of London, Indian Harbor Insurance Company, or Transverse Specialty Insurance Company.

Cyber Liability Insurance
Cyber Liability is written with Coalition Inc. Coalition’s products are offered with the financial security of Allianz Group, Arch Specialty Insurance Company, Lloyd’s of London, Chaucer Insurance Company DAC, or Vantage Risk Specialty Insurance Company

General Liability and Professional Liability
General Liability and Professional Liability (E&O) is written with Hiscox

Commission Rate

BOP+ Non-Cat States 15% new business and 12.5% renewal
BOP+ Cat States FL, TX, NC, MS 12.5% New / 10% Renewal
Excess Liability 12.5% new business and 12.5% renewal
WC 12% new business and 10% renewal
Neptune Flood 10% new business and 8% renewal
Hiscox GL and PL 15% new and 12.5% renewal
Cyber 15% new and 15% renewal

Commissions paid by Carrier

Market Availability

All lines of business noted above are available in the state of New York

Agency Agreement

The Attune 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.

Read the Agency Agreement

attuneagencyagreement.pdf

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Chubb

Programs Available

Personal Lines: Appetite includes providing a multiproduct solution to high network clients. Core product offerings are Homeowners, Auto (Personal and Collector Car), Valuable Articles, Primary & Excess Liability, Recreational Marine (Yachts & Boats), and Farm & Ranch.

Commercial Lines: Insurance coverages for Small Business and Lower Middle Market segments. Product offerings include Business Owner’s Policy, package policies (general liability and property liability), auto, workers’ compensation, umbrella/excess, international solutions, management liability, professional liability, cyber, inland marine, ocean cargo, environmental solutions, and product recall.

Accident & Health – Insurance coverages include Business Travel Accident, Participant Accident, Student Accident, Voluntary Benefits, and Occupational Accident.

Programs Available: Self-Storage, Title Services, Vacant Land/Vacant Building, Agricultural Pivot & Irrigation Insurance, Chubb Surety Marketplace: transactional surety placements, TankSafe: pollution insurance for underground and above ground storage tanks.

Commission Rate

Broker and Independent Agent Compensation

Commissions paid by Independent Market Solutions

Agency Agreement

The Chubb agency agreement is between Independent Market Solutions (IMS) 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. The contract will be provided after the appointment is approved by Chubb.

Website

chubb.com

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CNA Surety

Programs Available

The commercial surety market includes numerous types of bonds categorized as court judicial, court fiduciary, public official, license and permit, and many miscellaneous bonds that include guarantees of financial performance. CNA Surety companies also write fidelity bonds, which cover losses arising from employee dishonesty and errors & omissions liability insurance. Contract bonds guarantee the performance of obligations covered by a written agreement between two parties. The most common types include bid, performance, and payment bonds.

CNA Surety understands the needs of its customers and has built itself to be responsive, flexible, and focused on satisfying the unique requirements of each one of its customers. We can provide custom-tailored surety solutions to virtually all segments of the market, regardless of size or circumstance. This explains our continued success and validates our potential for growth.

Commission Rate

For each bond that we write, our insurance producer is paid a commission that is based upon a percentage of the bond premium. That percentage varies based upon a number of factors some of which are: the type of bond, state of the bond obligation, and contractual arrangements with producers. We offer our producers a competitive commission package to complement our outstanding service capabilities. A schedule of commissions will be provided during the appointment process.

Commissions paid by Independent Market Solutions

Market Availability

CNA Surety provides a full range of surety and fidelity bonds in all 50 states, Canada and Puerto Rico. CNA Surety has the capacity, experience, and dedication to serve a full range of bonding needs, from the smallest commercial bonds to multi-million dollar contract bonds.

Agency Agreement

The Agency agreement is between CNA Surety and Independent Market Solutions (IMS). When you agree to and e-sign the IMS sub-producer agreement, you also agree to all of the terms and conditions contained within the CNA Agency agreement, which will be provided during the appointment process.

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Coterie

Commission Rate

For BOP/GL/PL: 15% new and renewal
For WC: 12% new and renewal

Commissions paid by Independent Market Solutions

Market Availability

BOP/GL/PL is available in all states

Agency Agreement

The Coterie 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.

Read the Agency Agreement

CoterieIMSSignedProducerAgreement.pdf

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Foremost Signature Auto & Home

Programs Available

Foremost SignatureSM: Standard and Preferred Home & Automobile, Condominium Unit Owner, Personal Excess Liability Policy, Renters

Commission Rate

Commissions ranging from 8% to 15% based on line of business.

Commissions paid by Independent Market Solutions

Market Availability

Agency must have consistent monthly flow of new business opportunities.
Minimum of 12 months agency ownership experience.
Agent must not have been previously terminated by Farmers®, Foremost® or Bristol West®.
Access to EZLynx or PL RatingTM (Vertafore) preferred.
Agency must be profitable with current carriers.
Appointments are not guaranteed and are based on market capacity and individual characteristics.

Agency Agreement

Foremost Signature Auto & Home agency agreement is between Independent Market Solutions (IMS) 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. The contract will be provided after the appointment is approved by Foremost.

Website

foremost.com

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Hippo

Programs Available

HO3, HO6, DP3
Get a quote in 30 seconds and bind a policy in almost 4 minutes
Great coverages that apply to today's homeowner
Innovative and proactive approach to mitigating claims
What do you get from the Hippo & IMS connection!

Commission Rate

New business: 15%
Renewal: 12%

Commissions paid by Independent Market Solutions

Market Availability

Agents must quote Hippo a minimum of 5 times per month
Click here for HIPPO training overview

Agency Agreement

The Hippo agreement is between Independent Market Solutions (IMS) and Hippo. 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.

Website

hippo.com

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Progressive

Programs Available

Commercial and Personal Auto, Renters, Motorcycle, Boat, Recreational Vehicle

Commission Rate

Personal Auto w/ proof of prior auto ins, no lapse in coverage and owned home NEW: 12%
Personal Auto w/ proof of prior auto ins, no lapse in coverage and owned home REN: 8%
Personal Auto w/ proof of prior auto ins, no lapse in coverage and no owned home NEW: 10%
Personal Auto w/ proof of prior auto ins, no lapse in coverage and no owned home REN: 8%
Personal Auto w/ No proof of prior auto ins and No owned home NEW: 8%
Personal Auto w/ No proof of prior auto ins and No owned home REN: 6%
Motorcycle: 13% new business, 8% renewals
Boat: 8% new business, 8% renewals
Recreational Vehicle: 8% new business, 8% renewals
Commercial Auto: 8% new business, 8% renewals

Commissions paid by Independent Market Solutions

Market Availability

Agents must write two policies per month and be in good standing with Progressive, having never been previously terminated by Progressive.

Applicant must operate and maintain a storefront or retail location for their operation.

Agency Agreement

Please email marketing@imsaccess.com for a copy of the agreement.

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Prudent Pet

Programs Available

Personal Lines: Pet Insurance (Prudent Pet offers Comprehensive Accident & Illness plans or Accident-Only plans, with the ability to customize coverage and pricing options that work best for your customer’s budget. Pet insurance works on a reimbursement basis. The customer pays the vet directly, then submits their bill and we reimburse eligible expenses.

Annual limits from $10,000 to Unlimited

Deductibles from $100 to $1,000

Reimbursement Rates at 70%, 80% and 90%

Optional Coverage add-on’s include: Veterinary Exam Fee Coverage and/or Optional Wellness Coverage.

Commission Rate

All Lines- 18% new business, 10% renewal

Commissions paid by Carrier

Market Availability

Personal Lines: Prudent Pet insurance is available statewide.

Agency Agreement

The Prudent Pet agency agreement is between Independent Market Solutions (IMS) and the carrier. When you agree to and e-sign the agreement during this application process, you also agree to the instructions, guidelines, policies, and procedures contained in the agency agreement.

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RMS Hospitality Group

Programs Available

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.

Commission Rate

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.

Commissions paid by Carrier

Market Availability

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.

Agency Agreement

The RMS HG agency agreement is between Independent Market Solutions (IMS) 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.

Read the Agency Agreement

RMS-Sub-Broker-Agreement6.pdf

Website

rmshg.com

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SynchronoSure

Programs Available

Follow Form Excess Liability (learn more)This policy provides coverage above the limits of the scheduled underlying coverage. It offers no broader protection than that provided by the underlying policy. We have more than 550 available class codes. Limits capacity is $5 million, and we are attaching typically excess of primary $1 million or excess of $5 million excess of primary $1 million. Coverage is offered on a follow form excess liability basis, and we can sit over GL and Auto liability, but will not do auto by itself. We are actively quoting coverage within both residential and commercial contracting codes, hospitality including both restaurants and hotel/motel risks excess of $1 million primary insurance or $5 million excess of $5 million excess of Primary insurance. In addition, we are actively quoting habitational exposures excess of $6 million minimum attachment point. The average bound premium to date is $9,000. The maximum policy premium we entertain in our layer is $35,000. The carrier for this product is Sutton Specialty, rated A- VIII by AM Best.

Truckers General Liability (learn more) – This is a monoline general liability market currently focusing on trucker general liability. This liability coverage provides protection for premises and operations liability, and products/completed operations liability. We are expanding the GL program to 155 other class codes (targeting “live” at 11/15/2022). The maximum premium per policy will be limited to $35,000. The product is built around the ISO GL product language. The carrier for this product is Sutton Specialty, rated A- VIII by AM Best.

GigBOP® (learn more) – A package insurance for the gig workers, contractors, freelancers, and one-person bands. This coverage includes Business Personal Property, Business Liability, and Miscellaneous Professional Liability, uniquely crafted to meet the needs of modern small businesses. Currently supports 78 eligible class codes, soon to expand to 183 (11/1/2022 target to go “live”) as well as reducing the minimum policy premium to $500 and introducing a “starter” limit at $100,000 for a minimum policy premium of $350. We are actively quoting management consultants, bookkeepers, and building and home inspectors. The product includes business personal property with limits to $250,000, liability up to $ 1million and miscellaneous professional liability to $1 million. The carrier for this product is Sutton Specialty, rated A- VIII by AM Best.

Commission Rate

12.5% new business and 10% renewal

Commissions paid by Carrier

Market Availability
  • Follow Form Excess Liability - Currently active nationwide (please check with IMS for licensing status outside of CT) on an E&S basis.
  • Truckers General Liability - Currently available in 37 states on an E&S basis: AL, CA, CT, FL, GA, IL, KY, LA, NC, SC, TN, TX, and WI. (IMS is not currently licensed in AK, AR, AZ, CO, HI, IA, ID, IN, KS, MN, MO, MS, MT, ND, NE, NM, NV, OK, OR, SD, UT, WA, WV, and WY if you have significant opportunities in any of these states please let us know)
  • GigBOP® - Currently active nationwide (please check with IMS for licensing status outside of CT) on an E&S basis.
Agency Agreement

https://synchronosure.com/wp-content/uploads/2022/09/SynchronoSure_IMS_Producer_Agreement_Watermark_02162022-2.pdf

The SynchronoSure® agency agreement is between the individual signing agency or brokerage firm and SynchronoSure®. When you agree to and e-sign the agreement during this application process, you also agree to the instructions, guidelines, policies, and procedures contained in the agency agreement.

Please Read If Considering SynchronoSure:
Producer Sign-up for SynchronoSure must be completed by clicking this link https://synchronosure.com/producer-registration/

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Travelers

Programs Available

(Personal Lines Only) Automobile, Homeowners, Dwelling Fire, Specialty Lines

Commission Rate

Auto – up to 10% New and Renewal
Home – up to 18% New and Renewal
Specialty Lines – Varies depending on product. Available upon Request

Commissions paid by Independent Market Solutions

Market Availability

Years in the industry 5+ years
Years in agency 2+ years
Agency has a personal lines focus
Agency preferably has/follows a formal written business plan
Agency management system in place
Active website and social media presence required
Commitment to paperless on all new business
Agency committed to using Travelers Customer Care Center(CCC) Program
Profitable with current carriers
Account rounded focus – minimum of 6+ policies a month with Travelers

Agency Agreement

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.

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V3 Insurance

Programs Available

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

Commission rate is 8% new and renewal

Commissions paid by Carrier

Market Availability

The is a nationwide program that is available in all states except Alabama

Agency Agreement

The V3 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.

Read the Agency Agreement

v3agencyagreement3.pdf

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.