NEW YORK
IMS-New York Participating Carriers
Access to IMS is available at no charge to Big I New York members.
Appointments are based on mutually beneficial and profitable relationships, and no appointments are guaranteed.
Personal Lines
Callicoon Cooperative Insurance Company, Chubb, JIBNA, Progressive, Prudent Pet, Travelers
Commercial Lines
Attune, Callicoon Cooperative Insurance Company, Chubb, CNA Surety, Coterie, Foxquilt, Progressive, RMS Hospitality, Semsee
Returning agent? Important Reminder:
If an agent has requested IMS carriers within the past two years, we can proceed using the existing paperwork we have on file. However, if the previous request is older than two years, updated documentation may be required before moving forward. Please email Jean Bloszinsky for assistance.
Agency appointments are not guaranteed. Annual New Business production commitment is required for consideration. Agency is responsible for all producer licensing fees.
Businessowners' Policy (BOP), Workers' Compensation (WC), Commercial Flood Insurance, Cyber Liability Insurance, General Liability and Professional Liability
BOP: 15% new business and 12.5% renewal
WC (Highly Preferred Classes): 14% new and 10% renewal
WC (Preferred/Standard Classes): 12% new and 10% renewal
WC (Non-Preferred Classes): 10% new and 8% renewal
Flood: 10% new business and 8% renewal
GL and PL: 15% new and 12.5% renewal
Cyber: 15% new and 15% renewal
Commissions paid by Carrier
All lines of business noted above are available in the state of New York.
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, Seasonal Homeowners, Mobile Homeowners, Seasonal Mobile Homeowners, Farmowners, Fire Extended Coverage, Buildings Under Construction, Special Multi-Peril, Vacant Dwellings & Buildings, Vacant Land, Commercial General Liability, Business Owners, Hunting Camps
All Lines – 13%
All lines of business noted above are available in the state of New York except for the five boroughs of NYC, Long Island, and other areas subject to the carrier’s discretion. Agencies with a minimum $500,000 Cyber Liability Policy are preferred.
The Callicoon Cooperative Agency Agreement is between Independent Market Solutions (IMS) and the carrier. When you agree to and 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.
Personal Lines: Appetite includes providing a multiproduct solution to high network clients. Core product offerings are Homeowners, Auto (Personal and Collector Car), Valuable Articles, Primary & Excess Liability, Recreational Marine (Yachts & Boats), and Farm & Ranch.
Commercial Lines: Insurance coverages for Small Business and Lower Middle Market segments. Product offerings include Business Owner’s Policy, package policies (general liability and property liability), auto, workers’ compensation, umbrella/excess, international solutions, management liability, professional liability, cyber, inland marine, ocean cargo, environmental solutions, and product recall.
Programs Available: Self-Storage, Title Services, Vacant Land/Vacant Building, Agricultural Pivot & Irrigation Insurance, Chubb Surety Marketplace: transactional surety placements, TankSafe: pollution insurance for underground and above ground storage tanks.
Broker and Independent Agent Compensation
Commissions paid by Independent Market Solutions
Available in New York and Connecticut (Personal Lines appointments are not currently available for Suffolk County, NY)
Notice: Chubb does not accept email addresses with public domains of “Gmail”, “Yahoo”, “Hotmail”, “AOL”, “Comcast” and the like. The email must also be in the name of an individual and not a general office address. Specifically, it should include an individual’s name with a business domain, such as Frank@insuranceagency.com or something similar. Insurance@insuranceagency.com would not be acceptable. When applying for market access for Chubb you must have an email that adheres to this requirement.
The Chubb 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 Chubb.
The commercial surety market includes numerous types of bonds categorized as court judicial, court fiduciary, public official, license and permit, and many miscellaneous bonds that include guarantees of financial performance. CNA Surety companies also write fidelity bonds, which cover losses arising from employee dishonesty and errors & omissions liability insurance. Contract bonds guarantee the performance of obligations covered by a written agreement between two parties. The most common types include bid, performance, and payment bonds.
CNA Surety understands the needs of its customers and has built itself to be responsive, flexible, and focused on satisfying the unique requirements of each one of its customers. We can provide custom-tailored surety solutions to virtually all segments of the market, regardless of size or circumstance. This explains our continued success and validates our potential for growth.
For each bond that we write, our insurance producer is paid a commission that is based upon a percentage of the bond premium. That percentage varies based upon a number of factors some of which are: the type of bond, state of the bond obligation, and contractual arrangements with producers. We offer our producers a competitive commission package to complement our outstanding service capabilities. A schedule of commissions will be provided during the appointment process.
Commissions paid by Independent Market Solutions
CNA Surety provides a full range of surety and fidelity bonds in all 50 states, Canada and Puerto Rico. CNA Surety has the capacity, experience, and dedication to serve a full range of bonding needs, from the smallest commercial bonds to multi-million dollar contract bonds.
The Agency agreement is between CNA Surety and Independent Market Solutions (IMS). When you agree to and e-sign the IMS sub-producer agreement, you also agree to all of the terms and conditions contained within the CNA Agency agreement, which will be provided during the appointment process.
Business Owners Policy (BOP), General Liability (GL)
How to Quote Small Business Insurance Quickly with Coterie (video)
TOP 100 Business Classes Where Coterie writes 100% Businesses
For BOP/GL: 15% new and renewal
Commissions paid by Independent Market Solutions
BOP and GL are available in all states
PL is currently available in all states except: CO, FL, IL, LA, MA, MN, MT, NH, NY, ND, VT, VA
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.
Artisan Contractors, Licensed Trades, Residential and Commercial Contractors, Personal Services, Event Services, Pet Services, eCommerce, Home-based Commerce Business, Online Marketplace Sellers (Amazon etc.)
15.5% new business
13% renewal
Contractors, Personal Services and eCommerce
No location restriction on any classes except exterior contracting work in the NYC boroughs
Cross-state work accepted
No product sourcing restriction for ecommerce classes
New ventures accepted
100% insured sub contractors accepted
No new construction work
Foxquilt appointment gives the sub producer direct access to the agenbt portal - Foxden - for instant quote, bind and manage access. The Foxquilt 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.
Personal Jewelry
20% on new business (fully complete submissions)
10% on renewals and endorsements
Commissions paid by Carrier
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
Commercial and Personal Auto, Renters, Motorcycle, Boat and Recreational Vehicles
Personal Auto w/ proof of prior, no lapse in coverage, safe driver, and HO NEW: 13%
Personal Auto w/ proof of prior, no lapse in coverage, safe driver, and HO REN: 8%
Personal Auto w/ proof of prior, no lapse in coverage and No HO NEW: 11%
Personal Auto w/ proof of prior, no lapse in coverage and No HO REN: 8%
Personal Auto w/ No proof of prior auto ins and No owned home NEW: 8%
Personal Auto w/ No proof of prior auto ins and No owned home 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%
Commissions paid by Independent Market Solutions
Progressive has temporarily suspended partnering with new agents in New York.
Please email marketing@imsaccess.com for a copy of the agreement.
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 $2,500 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.
All Lines- 18% new business, 10% renewal
Commissions paid by Carrier
Personal Lines: Prudent Pet insurance is available statewide. Company requires a minimum of 100 policyholders for appointment consideration.
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.
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.
Commissions paid by Carrier
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.
Auto, BOP, Cyber, Cyber Surplus, GL, LRO, Management Liability, MPL, Products Liability, Property, Terrorism, Motor Truck Cargo, Umbrella, Vacant Property, WC, Workplace Violence
Competitive Commissions vary by carrier and product currently range from 6-19%
Commissions paid by Carrier
All lines of business noted above are available in the state of New York.
The Semsee agreement is between Independent Market Solutions (IMS) and Semsee. 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 Semsee agreement.
(Personal Lines Only) Automobile, Homeowners, Dwelling Fire, Specialty Lines
Auto – up to 10% New and Renewal
Home – up to 18% New and Renewal
Specialty Lines – Varies depending on product. Available upon Request
Commissions paid by Independent Market Solutions
Agency is operational for a minimum of 3 years.
Agency must operate and maintain a retail location for their operation
Size of agency staff 3+
Agency preferably has and follows a formal written business plan
Automation is in place. Agency management system as well as a comparative rater.
Agency has a personal lines focus, with a strong quote flow, and an appetite to grow their agencies preferred auto and umbrella insurance.
Minimum new business expectation is 2-3 preferred auto/umbrella sales a month with Travelers.
Profitable with current carriers
Agency committed to using Travelers Customer Care Center(CCC) Program
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.
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.