MARYLAND

IMS-Maryland Participating Carriers

Access to IMS is available at no charge to Insurance Agents & Brokers members.

Not a member? Join!

Appointments are based on mutually beneficial and profitable relationships, and no appointments are guaranteed.

Personal Lines
Branch, Cowbell, Frederick Mutual Insurance Company, JIBNA, Millers Mutual Insurance Company, Prudent Pet, Travelers

Commercial Lines
Attune, Coterie, Frederick Mutual Insurance Company, RMS Hospitality, 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 Maryland

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

attuneagencyagreement1.pdf

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Branch

Programs Available

Personal Lines - Auto (renters as an endorsement on auto), Home (umbrella as an endorsement on the home)

Commission Rate

Auto & Home Bundle: 15% - New; 13% - Renewal
Monoline Home or Auto 1: 13% - New; 11% - Renewal
Monoline Renters 2: 13% - New; 11% - Renewal
Auto & Renters Bundle 3: 13% - New; 11% - Renewal

Market Availability

Click here to view state map

Agency Agreement

The Branch 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.

Click here to view agency agreement

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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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Cowbell Cyber

Programs Available

Cyber
Admitted and A Rated

Excluded Classes
Utilities, Satellite Communications, Data Processing, Hosting, Aviation, Cannabis, and Public
Colleges and Universities, Accounts with claims.

Limits from $50,000 to $5,000,000
Accounts up to $100M in revenue
Instant quote, bind, issue
Direct bill

Commission Rate

12%

Commissions paid by Carrier

Market Availability

Admitted coverage in AZ, CA, CO, GA, IN, IA, IL, MI, MN, MS, NE, NV, OH, OR, PA, TX, UT, WI.

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Frederick Mutual Insurance Company

Programs Available

Business Owners Policy (BOP), Commercial Automobile, Commercial Umbrella, Homeowners, Dwelling Fire, Personal Umbrella

Commission Rate

Varies by line of business and class of business with an average of 16%.

Commissions paid by Independent Market Solutions

Market Availability

Business Owners Policy (BOP) and Commercial Umbrella – Delaware, Maryland, North Carolina, Pennsylvania, Virginia and Washington, DC

Commercial Automobile – Maryland and Pennsylvania

Homeowners and Personal Umbrella – Maryland, North Carolina, Pennsylvania and Virginia

Dwelling Fire – Maryland

Commercial Automobile, Commercial Umbrella and Personal Umbrella are not available on a monoline basis.

See Preferred Agency Profile for additional details.

Agency Agreement

The Frederick Mutual Insurance Company 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

FMIC-Agency-Agreement.pdf

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JIBNA

Programs Available

Personal Jewelry

Commission Rate

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

Commissions paid by Carrier

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

BrokerAgreement5.pdf

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Millers Mutual Insurance Company

Programs Available

Millers Mutual is the Premier writer of single & multifamily housing investment properties, garden-style apartments, off-campus student housing, row homes and affordable housing which is written on a BOP.

Commission Rate

13% New and 13% Renewal – Secondary IMS Appointment
10% New and 10% Renewal – Riverside Brokerage Option (No production commitment)

Commissions paid by Independent Market Solutions

Market Availability

Available statewide

Agency Agreement

Millers Mutual Insurance Company 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 Millers Mutual.

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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-Agreement.pdf

Website

rmshg.com

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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 16% New and Renewal
Specialty Lines – Varies depending on product. Available upon Request

Commissions paid by Independent Market Solutions

Market Availability

See New Agency Profile

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

v3agencyagreement5.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.