FLORIDA
IMS-Florida Participating Carriers
Florida
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. IMS-Florida partners with the following companies:
Personal Lines
American Traditions Insurance Co., Avatar Insurance, Cypress Property & Casualty Insurance, Heritage Insurance, JIBNA, Foremost Signature Home & Auto, Swyfft, Monarch Insurance, NatGen Flood, Progressive, Travelers, United Property & Casualty Insurance, and Universal North America Insurance Co.
Commercial Lines
Attune, Coterie, National General, Normandy Insurance Company, Progressive, RMS Hospitality, Scottish American, V3 Insurance
Access to IMS is available at no charge to FAIA members. Not a member? Join!
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.
Mobile Homeowners, Homeowners, Mobile Homeowners Dwelling Fire (DP1), Homeowners Dwelling Fire (DP3), Renters HO4/MH4.
11% New/Renewal - Mobile Homes & DP1, 15% New and Renewal - Homeowners (HO3 & HO6), 15% New and Renewal - Homeowners Dwelling Fire (DP3), 15% for New and Renewal business - Renters HO4/MH4. Commission paid is on non-hurricane premium only.
There is no availability for new appointments in Bay, Brevard, Broward, Calhoun, Charlotte, Citrus, Collier, DeSoto, Duval, Escambia, Franklin, Glades, Gulf, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lee, Liberty, Madison, Manatee, Martin, Miami-Dade, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Sarasota, Santa Rosa, Seminole, St Lucie, Taylor, Volusia, Wakulla, Walton and Washington Counties at this time.
The ATIC 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.
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
Currently, Attune is not writing new BOP business in Florida. All other product lines are still available. We expect this moratorium to be only temporary and will notify agents when it expires.
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.
Homeowners, Condo, Mobile Home, Commercial
10%, new and renewal.
We are temporarily closed for new appointments due to the COVID-19 situation and challenging market conditions. We will re-evaluate our position during 4Q2020.
The Avatar agency agreement is between the 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.
Business Owners Policy (BOP), General Liability (GL), Professional Liability (PL)
For BOP/GL/PL: 15% new and renewal
For WC: 12% new and renewal *Coming soon in 2021
BOP/GL/PL is available in all states except NY, MA, NJ, DC
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.
Homeowners, Condominium, Dwelling Fire, & Artisan Contractor General Liability
10% New/Renewal for Homeowners, Condominium & Dwelling Fire / 15% New/Renewal for Artisan Contractor General Liability
GL appointments open statewide & most Florida counties are open for personal lines business except for Broward County, Escambia County, Franklin County, Gadsden County, Holmes County, Jackson County, Miami-Dade County, Monroe County, Okeechobee County, Palm Beach County, Santa Rosa County, Wakulla County, Washington County.
The Cypress 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.
Automobile, Personal Excess Liability Policy, H04’s
Commissions ranging from 7% to 17% based on Line of Business, monoline, and package/Multi-Policy business.
Agency must write a minimum of 2 Policies a month to maintain appointment.
Agency must have consistent monthly flow of auto new business.
Agent must have access to at least 2 or more Preferred or Standard Auto Carriers.
Agency must have a minimum of 18 months agency ownership experience.
We do not consider Start-up Agency’s or Non-Standard Agency’s
Agent must not have been previously terminated by Foremost.
Agency must have access to EZ Lynx or PL Rater (Vertafore) to be considered.
Agency must be Profitable with current Carriers.
Agent must fully complete the Foremost Profile form in its entirety to be considered. (provided in market access application confirmation).
Appointments are not guaranteed and are based on market capacity and factors above.
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.
Homeowners,Dwelling Fire, and Commercial General Liability
Base commission will be paid at 10% for new business and 9% for renewal business.
- Agencies with a 3-year loss ratio of 30% or better will be paid 10% for new business and 10% for renewal business
- Agencies with a 3-year claims frequency level of 4% or lower will be paid 10% for new business and 10% for renewal business
- Agencies with a non-CAT loss ratio of 30% or better and a frequency rate of 4% or lower will be paid 10% for new business and 11% for renewal business.
- Agencies with less than 100 earned policy terms, commissions will be paid at 8% new business and 8% renewal business.
- Agencies with a 3-year non-CAT loss ratio 60% or greater will be paid at 8% new business and 8% renewal business.
- Agency performance will be evaluated in January of each year based on calendar year results for the prior 3-year rolling period. Commission levels may rise or fall from previous levels based on the new evaluation.
Many Florida counties are still currently open except for Broward, Miami-Dade, Palm Beach, Orange, Seminole, Osceola, Lake, Brevard, Charlotte, Collier, Hillsborough, Lee, Manatee, Pasco, Pinellas, and Sarasota.
Qualifying agents must demonstrate:
- established books of business with three year profitable loss runs
- minimum of five new business applications per month
The Heritage Insurance agency agreement is between the 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.
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 (IMS) 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
HO3 – limits up to $3,000,000 Cov. A available
HO6 – limits up to $1,000,000 Cov. A & C combined available
Program is based on insurance score
10% New / 8% Renewal
All Florida counties are open except for the following: Monroe, Miami-Dade, Broward, Palm
Beach, Orange, Osceola, Seminole, and Lake.
The Monarch National agency agreement is between Independent Market Solutions (IMS) and the carrier. 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.
Beyond Floods Excess & Surplus private flood – residential only
NFIP/ Federal Flood – residential & commercial
Beyond Floods E & S – 14% New/Renewal/ bonus potential available for book analysis
NFIP/Federal Flood – 20% New/Renewal/Rollover
We are open and appointing for all flood products in Florida
The National General 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.
Normandy Insurance Company provides workers’ compensation insurance for industries including: restaurants, light manufacturing, landscapers, health care, cannabis & medical marijuana operations, retail stores and many more. General liability insurance is also available through a proprietary program
AL 12% New 10% Renewal, FL 15% New 12% Renewal, GA 12% New 10% Renewal, LA 10% New 8% Renewal, NC 12% New 10% Renewal, PA 12% New 10% Renewal, TX 15% New 12% Renewal
Normandy will consider new ventures, a lapse in coverage, shock loss risks
Construction class codes require 1 yr prior coverage
Home Health Care requires 3 yrs of prior coverage
High Mods also considered
The Normandy agency agreement is between Independent Market Solutions (IMS) and Normandy Insurance. When you agree to sign the sub producer agreement during this application process, you will also agree to the instructions, guidelines, policies and procedures contained in the agency agreement. This also applies to the proprietary program for GL and Workers Compensation.
Personal Auto w/ proof of prior auto ins, no lapse in coverage and HO NEW: 12%
Personal Auto w/ proof of prior auto ins, no lapse in coverage and HO REN: 8%
Personal Auto w/ proof of prior auto ins, no lapse in coverage and No HO NEW: 10%
Personal Auto w/ proof of prior auto ins, no lapse in coverage and No HO REN: 8%
Personal Auto w/ No proof of prior auto ins and No HO NEW: 8%
Personal Auto w/ No proof of prior auto ins and No HO REN: 6%
Motorcycle NEW: 13%
Motorcycle REN: 8%
Boat NEW: 8%
Boat REN: 8%
Recreational Vehicle NEW: 8%
Recreational Vehicle REN: 8%
Commercial Auto NEW: 8%
Commercial Auto REN: 8%
Progressive is making appointments across the state of FL except for the following counties Miami-Dade, Broward, Palm Beach, Hillsborough, Pinellas, Seminole, Orange, Lake Osceola, Duval and Clay.
Agents must write two policies per month.
Agency must have access to three or more auto carriers. May be two auto carriers if one is preferred.
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 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 (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.
Contractors Guard Pro - General Liability for CGCs and CBCs
Contractors Guard - General Liability for artisans and trade contractors (Available in all states except NY and CO)
10% on new and renewal business
Open for appointments in all IMS states for current active members
The Scottish American agreement is between Independent Market Solutions (IMS) and FHBI. 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.
Programs Available
Admitted Home Program
11% for New business when the program reopens. Currently closed for new business.
7.25% for Renewal business, starting with renewals effective 9/20/21.
E&S Home Program
8% for New business. No changes.
7% for Renewal business, starting with renewals effective 9/20/21.
Admitted
New Business: 11%
Renewal Business: 7.25%
Non-Admitted
New Business: 8%
Renewal Business: 7%
We are currently NOT accepting appointments at this time.
Agency agreement: Swyfft producer 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. Read the Agency Agreement
(Personal) Automobile, Personal Liability Policy
Auto (Standard Insurance Company) up to 10% new and renewal,
Personal Liability Policy up to 8% new and renewal
Youthful Driver up to 8% new and 8% renewal
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
Size of agency staff 3+
Agency management system in place
Comparative rater in place
Agency committed to using Travelers Customer Care Center(CCC) Program
Profitable with current carriers
Auto focus /opportunity to place a minimum of 2-3 preferred auto/umbrella sales a month with Travelers
Auto Quote and New Business Flow Guide:
Consistent monthly auto new business flow
Agency auto monthly close rate target of 25% or higher
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.
Homeowners and Dwelling Fire.
12% new, 10% renewal.
UPC has temporarily suspended partnering with new agents in Florida.
The United Property & Casualty Insurance Co. agency agreement is between the 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.
Homeowners and Dwelling Fire.
10%, new and renewal.
Open in Florida (except for Pasco and Hernando) subject to exposure management and capacity restrictions.
The Universal North America Insurance Co. agency agreement is between the 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.
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 (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.
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.