NORTH CAROLINA

IMS-North Carolina Participating Carriers

Access to IMS is available at no charge to IIANC members.

Not a member? Join!

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

Personal Lines
Foremost Signature Home & Auto, Heritage Insurance, JIBNA, Millers Mutual Insurance Company, NatGen Flood, Progressive, Travelers, United Property & Casualty Insurance, and Universal North America Insurance Co.
, USLI

Commercial Lines
Attune, CNA Surety, Coterie , Frederick Mutual Insurance Company, NatGen, Progressive, RentSense, RMS Hospitality, SynchronoSure, V3 Insurance, USLI

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+
Workers' Compensation
Excess Liability

The BOP+ is on Accredited paper and the Excess is on Core Specialty (AIG) paper. The WC is on Employers Insurance Company paper

Commission Rate

BOP and Excess-15% new business, 15% renewal
WC- 10% new business and 8% renewal

Market Availability

All lines of business noted above are available in the state of North Carolina

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

attuneagencyagreement3.pdf

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CNA Surety

Programs Available

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.

Commission Rate

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.

Market Availability

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.

Agency Agreement

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.

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Coterie

Commission Rate

For BOP/GL/PL: 15% new and renewal
For WC: 12% new and renewal

Market Availability

BOP/GL/PL is available in all states except NY, MA, NJ, DC

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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Foremost Signature Auto & Home

Programs Available

Foremost hopes to resume appointing IMS agents on September 1, 2022. Please continue to check our website for further updates.

Commission Rate

Commissions ranging from 7% to 17% based on Line of Business, monoline, and package/Multi-Policy business.

Market Availability

Agency must write a minimum of 2 Policies a month to maintain appointment.
Agency must have consistent monthly flow of multi-line new business.
Agency must have a minimum of 12 months agency ownership experience.
We do not consider Start-Up or Non-Standard Agency’s
Agent must not have been previously terminated by Foremost Signature Auto & Home.
Agency must be Profitable with current Carriers.
Agency must fully complete the Foremost Profile form in its entirety to be considered. (provided in market access application confirmation).
Appointments are not guaranteed and are based on market capacity and factors listed above.

Agency Agreement

Foremost Signature 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. The contract will be provided after the appointment is approved by Foremost.

Website

foremost.com

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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%.

Market Availability

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

Commercial Automobile – Maryland and Pennsylvania

*Delaware, North Carolina, Virginia and Washington, DC are under construction and expected to be available in Q1 2022

Homeowners and Personal Umbrella – Maryland, Pennsylvania and Virginia

*North Carolina is under construction and expected to be available in Q1 2022

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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Heritage Insurance

Programs Available

Homeowners (HO3), Homeowners (HO5), Condo (HO6), Renters (HO4), Dwelling Fire (DP3)

Commission Rate

Homeowners (HO3, HO5)
Condo (HO6) , Renters (HO4)
Dwelling Fire (DP3) – 14%/12%

Market Availability

Most counties are currently open. However, some inland zip codes, mostly in the Charlotte and Raleigh area, are closed.

Qualifying agents must demonstrate:

  1. established books of business with three year profitable loss runs
  2. minimum of five new business applications per month
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

BrokerAgreement1.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)

Market Availability

North Carolina – Counties West of I-95

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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NatGen Flood

Programs Available

Beyond Floods Excess & Surplus private flood – residential only
NFIP/ Federal Flood – residential & commercial

Commission Rate

Beyond Floods E & S – 14% New/Renewal/ bonus potential available for book analysis
NFIP/Federal Flood – 20% New/Renewal/Rollover

Market Availability

We are open and appointing for all flood products in North Carolina

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.

Please Read If Existing NatGen Agent: Producer Sign-up for existing NatGen agents must be completed by clicking below.
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: 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%

Market Availability

Agents must write two policies per month.
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.

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RentSense

Programs Available

DEPOSIT PLUS+ Renters Security Deposit Insurance, including the option of RETURN TO RENTER.

Coverage replaces cash deposits for tenants and provides more coverage for property owners/managers. Return to Renter converts a cash Security Deposit to an insurance product allowing for a return of cash security deposits to the tenant with the purchase of a policy mid-lease.

A Rated Insurance Carrier, one-time premium, minimum 25 dwellings. Additional coverages are available.

DEPOSIT PLUS+ is an indemnity product, NOT a bond. Coverage is written on a CLIP policy.

Commission Rate

10%

Market Availability

Nationwide

Agency Agreement

The RentSense 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.

Website

rentsense.us

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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.

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-Agreement4.pdf

Website

rmshg.com

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SynchronoSure

Programs Available

Workers’ Compensation and Employers Liability, Business Owners Policy for the Gig Economy (GigBOP), and Truckers’ General Liability. The Workers’ Comp is on Accredited Surety Insurance Company paper and the GigBOP and Truckers’ GL is on Sutton Specialty Insurance Company paper.

  • Workers Compensation – Product Sheet located on the website (Click here)
  • GigBOP – Product Sheet located on the website (Click here)
  • Truckers’ GL – Product Sheet located on the website (Click here)
Commission Rate

For agency members (in good standing) of the Big I - Workers’ Comp, GigBOP, and Truckers’ GL - 12.5% new business and 10% renewal.

Market Availability
  • Workers’ Comp - Available in North Carolina with an additional 26 states by end of Q2 2021.
  • GigBOP and Truckers’ GL - Available in 45 states with all 50 states by end of Q2 2021
Agency Agreement

The SynchronoSure® agency agreement is between the individual signing agency or brokerage firm and SynchronoSure®. 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.

Please Read If Considering SynchronoSure: Producer Sign-up for SynchronoSure must be completed by clicking below.

Travelers

Programs Available

(Personal Lines Only) Automobile, Homeowners, Dwelling Fire, Specialty Lines

Commission Rate

Auto – up to 10% New and Renewal
Home – up to 13% New and Renewal
Specialty Lines – Varies depending on product. Available upon Request

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
Agency management system in place
Active website and social media presence required
Commitment to paperless on all new business
Agency committed to using Travelers Customer Care Center(CCC) Program
Profitable with current carriers
Account rounded focus – minimum of 6+ policies a month with Travelers

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.

Universal North America Insurance Co.

Programs Available

Homeowners and Dwelling Fire.

Commission Rate

12%, new and renewal.

Market Availability

Appointments are offered statewide.

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.

Website

uihna.com

UPC Insurance

Programs Available

Homeowners HO 3 and HO 5, Condos HO 6 and Renters HO 4 as well as Flood.

Commission Rate

12% new and renewal on HO forms, 17% new and renewal on Flood.

Market Availability

UPC has temporarily suspended partnering with new agents. We hope to revisit the valuable partnerships through this program soon.

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-Agreement2.pdf

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USLI

Commission Rate

Commercial and Personal Lines- 14% New Business and Renewal

Market Availability

Across the state of NC. Wind guidelines per the state map

Agency Agreement

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.

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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

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

v3agencyagreement2.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.