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, MetLife Auto & Home, Swyfft, Monarch Insurance, National General, Progressive, Travelers, United Property & Casualty Insurance, and Universal North America Insurance Co.
 

Commercial Lines
Attune, FHB Builders Risk Solutions, Florida Home Builders Insurance EDGE (general liability), National General, Progressive, RMS Hospitality, 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.

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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, Broward, Calhoun, Collier, Duval, Escambia, Franklin, Gulf, Highlands, Holmes, Indian River, Jackson, Jefferson, Lee, Liberty, Madison, Martin, Miami-Dade, Okaloosa, Orange, Osceola, Palm Beach, Polk 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

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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

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

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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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

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

FHB Builders Risk Solutions

Programs Available

Builders Risk Program for New Construction and Remodels. Commercial and Residential Risks written in the name of the owner or contractor. ISO Builders Risk Coverage Form.

Commission Rate

13% new and renewal; no commission paid on policy fees.

Market Availability

Statewide

Agency Agreement

The Florida Home Builders Insurance 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

FHB-Agreement.pdf

Florida Home Builders Insurance EDGE

Programs Available

General Liability for contractors, main street businesses, hospitality: hundreds of General Liability class codes.

Commission Rate

9% new and renewal; no commission paid on policy fees.

Market Availability

Available statewide.

Agency Agreement

The Florida Home Builders Insurance EDGE 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

FHB-EDGE-Agreement.pdf

Website

informz.net

Heritage Insurance

Programs Available

Homeowners,Dwelling Fire, and Commercial General Liability

Commission Rate

10%, new and renewal.
Homeowners (HO3) and Dwelling Fire (DP3)- 10% New and Renewal
Commercial General Liability - 14% New and 13% Renewal

Market Availability

Most Florida counties are currently open except for Broward, Miami-Dade, and Palm Beach. For an agency to be considered, a minimum of two new business applications per month will be required.

Unfortunately, for exposure management reasons, effective immediately, we have made the decision to turn off new business for the following Florida counties:

Seminole, Orange, Lake, Osceola

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

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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

BrokerAgreement.pdf

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MetLife Auto & Home

Programs Available

Automobile, Personal Excess Liability Policy, H04’s

Commission Rate

Auto Plus (Auto plus any other line of business excluding renters) 13% new and 12% renewal, Monoline Auto and other products (excluding home) 10% new and 9% renewal, Youthful Driver 8% new and 8% renewal

Market Availability

MetLife Auto & Home is offering Personal Lines appointments in all counties of FL, except for Miami-Dade, FL Panhandle, and the Tri-County areas.

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 will not consider Start-up Agencies.
Agent must not have been previously terminated by Metlife Auto & Home.
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 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.

Agency Agreement

MetLife 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.

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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

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National General

Programs Available

Admitted private flood – residential only
NFIP/ Federal Flood – residential & commercial
Excess Flood – residential & commercial

Commission Rate

Admitted private flood – 14% New/Renewal
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

NatgenProducerAgeement.pdf

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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.
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.

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

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Swyfft

Programs Available

Homeowners (HO3)

Commission Rate

Homeowners 13% new and 10% renewal

Market Availability

Swyfft has temporarily suspended partnering with new agents in Florida. We hope to revisit the valuable partnerships through this program by October.

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

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Travelers

Programs Available

Automobile, Personal Liability Policy

Commission Rate

Auto (Standard Insurance Company) 10% new and 10% renewal, Personal Liability Policy 8% new and 8% renewal, Youthful Driver 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.

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. We hope to revisit the valuable partnerships through this program in January.

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

Universal North America Insurance Co.

Programs Available

Homeowners and Dwelling Fire.

Commission Rate

10%, new and renewal.

Market Availability

As a result of prudent exposure management, UNA will be temporarily suspending Florida for all new business (HO-3, HO-4, HO-6, DP-3, and BOP) in the following counties:

Broward, Charlotte, Collier, Hillsborough, Lake, Lee, Manatee, Miami-Dade, Orange, Osceola, Palm Beach, Pinellas, Sarasota, and Seminole

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

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.