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.

Logo

American Traditions Insurance Co.

Programs Available

Mobile Homeowners, Homeowners, Mobile Homeowners Dwelling Fire (DP1), Homeowners Dwelling Fire (DP3), Renters HO4/MH4.

Commission Rate

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.

Market Availability

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.

Agency Agreement

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.

Read the Agency Agreement

ATIC-FAIA-Agent-Agreement-2016.pdf

Logo

Attune

Programs Available

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

Commission Rate

BOP and Excess-16% new business , 15% renewal WC- 10% new business and 8% renewal

Market Availability

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.

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

Logo

Avatar Insurance

Programs Available

Homeowners, Condo, Mobile Home, Commercial

Commission Rate

10%, new and renewal.

Market Availability

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.

Agency Agreement

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.

Read the Agency Agreement

Avatar-Producer-Agreement-05-2017.pdf

Logo

Coterie

Programs Available

Business Owners Policy (BOP), General Liability (GL), Professional Liability (PL)

Commission Rate

For BOP/GL/PL: 15% new and renewal
For WC: 12% new and renewal *Coming soon in 2021

Market Availability

BOP/GL/PL is available in all states except NY, MA, NJ, DC

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

Logo

Cypress Property & Casualty Insurance

Programs Available

Homeowners, Condominium, Dwelling Fire, & Artisan Contractor General Liability

Commission Rate

10% New/Renewal for Homeowners, Condominium & Dwelling Fire / 15% New/Renewal for Artisan Contractor General Liability

Market Availability

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.

Agency Agreement

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.

Read the Agency Agreement

CypressAgreement.pdf

Logo

Foremost Signature Auto & Home

Programs Available

Automobile, Personal Excess Liability Policy, H04’s

Commission Rate

Commissions ranging from 7% to 17% based on Line of Business, monoline, and package/Multi-Policy business.

Market Availability

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.

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

Logo

Heritage Insurance

Programs Available

Homeowners,Dwelling Fire, and Commercial General Liability

Commission Rate

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.
Market Availability

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:

  1. established books of business with three year profitable loss runs
  2. minimum of five new business applications per month
Agency Agreement

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.

Read the Agency Agreement

Heritage-Agreement-Florida.pdf

Logo

JIBNA

Programs Available

Personal Jewelry

Commission Rate

20% on new business (fully complete submissions)
10% on renewals and endorsements

Market Availability

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

Agency Agreement

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

Read the Agency Agreement

BrokerAgreement11.pdf

Logo

Monarch National Insurance Company

Programs Available

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

Commission Rate

10% New / 8% Renewal

Market Availability

All Florida counties are open except for the following: Monroe, Miami-Dade, Broward, Palm
Beach, Orange, Osceola, Seminole, and Lake.

Agency Agreement

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.

Read the Agency Agreement

monarchagreement.tif

Website

fednat.com

Logo

NatGen Flood

Programs Available

Beyond Floods Excess & Surplus private flood – residential only
NFIP/ Federal Flood – residential & commercial

Commission Rate

Beyond Floods E & S – 14% New/Renewal/ bonus potential available for book analysis
NFIP/Federal Flood – 20% New/Renewal/Rollover

Market Availability

We are open and appointing for all flood products in Florida

Agency Agreement

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.

Read the Agency Agreement

NatgenProducerAgeement1.pdf

Logo

Normandy

Programs Available

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

Commission Rate

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

Market Availability

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

Click Here to view our state map

Agency Agreement

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.

Read the Agency Agreement

Normandy-IMS-agency_agreement.pdf

Logo

Progressive

Programs Available

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%

Market Availability

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

Agency Agreement

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

Logo

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.

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-Agreement8.pdf

Website

rmshg.com

Logo

Scottish American

Programs Available

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)

Commission Rate

10% on new and renewal business

Market Availability

Open for appointments in all IMS states for current active members

Agency Agreement

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.

Read the Agency Agreement

scottishamerican_agencyagreement.pdf

Logo

Swyfft

Programs Available

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.

Commission Rate

Admitted
New Business: 11%
Renewal Business: 7.25%

Non-Admitted
New Business: 8%
Renewal Business: 7%

Market Availability

We are currently NOT accepting appointments at this time.

Agency Agreement

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

Read the Agency Agreement

Swyfft-Producer-Agreement.pdf

Website

swyfft.com

Logo

Travelers

Programs Available

(Personal) Automobile, Personal Liability Policy

Commission Rate

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

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
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

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.

Logo

United Property & Casualty Insurance Co.

Programs Available

Homeowners and Dwelling Fire.

Commission Rate

12% new, 10% renewal.

Market Availability

UPC has temporarily suspended partnering with new agents in Florida.

Agency Agreement

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.

Read the Agency Agreement

UPC-IMS-Agency-Agreement.pdf

Logo

Universal North America Insurance Co.

Programs Available

Homeowners and Dwelling Fire.

Commission Rate

10%, new and renewal.

Market Availability

Open in Florida (except for Pasco and Hernando) subject to exposure management and capacity restrictions.

Agency Agreement

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.

Read the Agency Agreement

Universal-General-Agency-Agreement.pdf

Website

uihna.com

Logo

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

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

v3agencyagreement.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.