NORTH CAROLINA
IMS-North Carolina Participating Carriers
Access to IMS is available at no charge to IIANC members.
Appointments are based on mutually beneficial and profitable relationships, and no appointments are guaranteed.
Personal Lines
Alamance Farmers' Mutual Insurance Company, Carolina Farmers Mutual Insurance Company, Dairyland, Heritage Insurance, JIBNA, Millers Mutual Insurance Company, NatGen Flood, Nationwide, Orion 180, Progressive, Prudent Pet, Travelers, and Universal North America Insurance Co., USLI
Commercial Lines
Attune, CNA Surety, Coterie, Foxquilt, Frederick Mutual Insurance Company, inRev, NatGen, Progressive, RMS Hospitality, Semsee, USLI
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.
Alamance Farmers’ Mutual Ins. has been protecting North Carolina residents since 1892. Other insurance carriers may exit the state, leaving policyholders in limbo and you, their agent, scrambling to rewrite their policies. We live and work in the communities we serve, and we are here to stay. Because North Carolina deserves the best!
Our Niche - Protecting standard and preferred risks in target markets at affordable rates.
Select Homeowners (HO-3, HO-4, HO-6), Rural Homeowners HO-3, Secondary Homeowners HO-3, Tenant Occupied Dwelling FL-3
Up to 13%
Commissions paid by Independent Market Solutions
All lines of business noted above are available in the state of North Carolina. Please see requirements below:
Writing business west of I-95
Agencies with > 3 producing agents writing personal lines property policies
Agencies/Principal must have at least 5 years experience in the "true independent" agency model.
Agency must be committed to performing all customer service functions including endorsements, billing questions, claim counseling and claim submission.
All agents must agree to a 5 quotes per month minimum to maintain agent appointment.
All agencies must agree to a minimum of 1 policy per sales agent appointed per month minimum to maintain agency appointment.
Alamance Farmers’ Mutual’s 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.
Businessowners' Policy (BOP), Workers' Compensation (WC), Commercial Flood Insurance, Cyber Liability Insurance, General Liability and Professional Liability
BOP: 12.5% new business and 10% 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 North Carolina.
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
Farmowners
Mobile Homeowners
Dwelling Fire
13% New and Renewal
Commissions paid by IMS
Appointments will be considered in North Carolina.
The Carolina Farmers 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.
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), Professional Liability (PL)
How to Quote Small Business Insurance Quickly with Coterie (video)
TOP 100 Business Classes Where Coterie writes 100% Businesses
For BOP/GL/PL: 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.
Non-Standard Auto
Preferred Motorcycle
8% - New / 8% - Renewal
Commissions paid by Dairyland
Programs available in North Carolina.
The Dairyland 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 and Personal Services (no 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.
Business Owners Policy (BOP), Commercial Umbrella, Commercial Service Line, Contractors E&O, Tech Advantage (Equipment Breakdown), Commercial Inland Flood, Cyber Suite, Employment Practices Liability , Miscellaneous Professional Liability
Varies by line of business and class of business with an average of 16%.
Commissions paid by Independent Market Solutions
Frederick Mutual is appointing qualified agents in the state of North Carolina.
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.
Homeowners (HO3), Homeowners (HO5), Condo (HO6)
Homeowners (HO3, HO5, HO6) 14% New and 12% Renewal
Commissions paid by Carrier
Heritage is currently appointing new agents in North Carolina.
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.
InRev writes all classes of contract and commercial surety bonds. Our automated portal and expert team of underwriters make placing all types of surety bonds easy, even if you’ve never placed a surety bond before.
Contract Surety – Bid, Performance, Payment, Supply, Public Improvement (Site & Subdivision), and Service Contract Bonds.
Commercial Surety – License & Permit, Reclamation, Closure/Post-Closure, Probate, and Miscellaneous Bonds
30% flat for all surety bonds
Commissions paid by IMS
Available to write in all 50 states, up to $10,000,000 per bond.
The Agency Agreement is between inRev 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 inRev agreement, which will be provided during the appointment process.
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
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.
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
Available statewide
Note: E&O minimum coverage of $1MM/$2MM is required.
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.
Beyond Floods Excess & Surplus private flood – residential only
NFIP/ Federal Flood – residential & commercial
Beyond Floods E & S – 14% New/Renewal/ bonus potential available for book analysis
NFIP/Federal Flood – 20% New/Renewal/Rollover
Commissions paid by Independent Market Solutions
We are open and appointing for all flood products in North Carolina
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.
Personal Auto
HO3, HE7, HE&-20, HE7-21
Condominium
Tennant
Dwelling Fire
Personal Umbrella
Motorcycle and Off-Road
Pleasure Boatowners
Recreational Vehicles
Personal Lines range from 8% to 13% - New │ 8% to 10% - Renewal
Commissions paid by Independent Market Solutions
Nationwide has temporarily suspended partnering with new agents in North Carolina.
The Nationwide 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.
HO3, Home Protection.
Additional PL Products slated to launch in 2023 along with Commercial and Life Products.
12.5% New HO3 Business Place
11% HO3 Renewal
Additional commission for products listed within the web portal for agents.
Commissions paid by Independent Market Solutions
Orion180 has temporarily suspended partnering with new agents in North Carolina.
Get to Know Orion 180
The Agency Agreement is between Orion180 and Independent Market Solutions (IMS). When you agree to and e-sign the Orion180 sub-producer agreement, you also agree to all of the terms and conditions contained within the Orion180 agreement, which will be provided during the contracting process.
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 HO NEW: 8%
Personal Auto w/ No proof of prior auto ins and No HO REN: 8%
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 appointments are available statewide in North Carolina.
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, Excess Liability, GL, LRO, Management Liability, MPL, Products Liability, Property, Terrorism, Motor Truck Cargo, Trucking Liability, Umbrella, Vacant Property, WC, Workplace Violence
Competitive Commissions vary by carrier and product currently range from 6-19%
Commissions paid by Carrier
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 13% 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
Travelers has temporarily suspended partnering with new agents in North Carolina.
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.
Homeowners (HO-3, HO-4 & HO-6), Dwelling Fire and Flood. New IMS agents will be able to bind HO-3 between $100,000 and $1.5 million and Dwelling Fire between $75,000 and $1.5 million on homes 20 years or less with roofs 13 years or less. Ten-year-old homes find even greater success.
15% new on homes 7 years or less,
12% on homes more than 7 years old.
10% on renewals.
Commissions paid by Independent Market Solutions
No appointments offered on the barrier islands. Appointments will be considered in the remainder of NC, but policies are ex-wind in coastal mainland counties.
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.
Commercial Lines Product Highlights
Hospitality & Liquor Product Highlights
Non-Profit Package Product Highlights
Personal Lines Product Highlights
Professional Lines Product Highlights
Special Event Product Highlights
Commercial and Personal Lines- 14% New Business and Renewal
Commissions paid by Independent Market Solutions
Across the state of NC. Wind guidelines per the state map
The Insurance Solutions Inc. agreement is between Independent Market Solutions (IMS) and the wholesale broker. 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.
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.