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, MetLife Auto & Home, Swyfft, United Property & Casualty Insurance, and Universal North America Insurance Co.
 

Commercial Lines
Attune, FHB Builders Risk Solutions, Florida Home Builders Insurance EDGE (general liability), MetLife Commercial, RMS Hospitality

 
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, Duval, Escambia, Franklin, Gulf, Highlands, Holmes, Indian River, Jackson, Jefferson, Liberty, Madison, Martin, Miami-Dade, Okaloosa, Orange, Osceola, Palm Beach, Polk Santa Rosa, St Lucie, Taylor, Volusia, Wakulla, Walton and Washington Counties at this time.

Agency Agreement

The ATIC/MUSA 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.

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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, Mobile Home.

Commission Rate

10%, new and renewal.

Market Availability

Most Florida counties are currently open except for Orange, Miami-Dade, Broward, Palm Beach.

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

Epic-Agreement.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 and Dwelling Fire.

Commission Rate

10%, new and 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.

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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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 most counties of FL for Standard and Preferred Markets only. Closed for new appointments in the Tri-County and Panhandle areas at this time. Some areas in open counties are not available for appointment at this time. Start-Up and Non-Standard Agencies will not be considered. Agent must be utilizing either PL Rater or EZLynx rating system. Appointments are not guaranteed and are based on Market capacity. Agents must complete a MetLife profile form.

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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MetLife Small Commercial

Programs Available

Business Owners Policy (BOP) and Commercial Auto

Commission Rate

BOP 16% new and 13% renewal, Commercial Auto 11% new and 11% renewal

Market Availability

To be considered for a Small Commercial appointment, Agency must have Commercial Lines experience for both BOP and CL Auto. Agency must commit to a minimum of $12K in their first 4 months to maintain the CL appointment. You do not have to have a Personal Lines appointment to be considered for a Commercial Lines appointment. Statewide Availability. Agents must complete a MetLife profile form.

Agency Agreement

MetLife Small Commercial agreement is between Independent Market Solutions (IMS) and Dovetail. 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.

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

Swyfft

Programs Available

Homeowners (HO3)

Commission Rate

Homeowners 13% new and 10% renewal

Market Availability

Contracting with agents in Florida except in Tri- County and Monroe County.

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

United Property & Casualty Insurance Co.

Programs Available

Homeowners and Dwelling Fire.

Commission Rate

12% new, 10% renewal.

Market Availability

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

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

Appointments are offered statewide except for in Pasco and Hernando counties.

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

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.