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
Foremost Signature Home & Auto, Heritage Insurance, JIBNA, Lighthouse, NatGen Flood, Progressive, Travelers, United Property & Casualty Insurance, and Universal North America Insurance Co.
, USLI
Commercial Lines
Attune, Coterie , Frederick Mutual Insurance Company, NatGen, Progressive, 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 Kim Edgar.
Agency appointments are not guaranteed. Annual New Business production commitment is required for consideration. Agency is responsible for all producer licensing fees.
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
BOP and Excess-16% new business , 15% renewal WC- 10% new business and 8% renewal
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
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.
Business Owners Policy (BOP), General Liability (GL), Professional Liability (PL)
For BOP/GL/PL: 15% new and renewal
For WC: 12% new and renewal *Coming soon in 2021
BOP/GL/PL is available in all states except NY, MA, NJ, DC
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.
Homeowners, Automobile, Landlord Dwelling, Excess Liability Policy
Commissions ranging from 7% to 17% based on Line of Business, monoline, and package/Multi-Policy business.
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.
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.
Business Owners Policy (BOP), Commercial Automobile, Commercial Umbrella, Homeowners, Dwelling Fire, Personal Umbrella
Varies by line of business and class of business with an average of 16%.
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.
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), Renters (HO4), Dwelling Fire (DP3)
Homeowners (HO3, HO5)
Condo (HO6) , Renters (HO4)
Dwelling Fire (DP3) – 14%/12%
Most counties are currently open. However, some inland zip codes, mostly in the Charlotte and Raleigh area, are closed.
Qualifying agents must demonstrate:
- established books of business with three year profitable loss runs
- minimum of five new business applications per month
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.
Personal Jewelry
20% on new business (fully complete submissions)
10% on renewals and endorsements
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
Homeowners, Dwelling Fire, Flood and Excess Flood
12% Homeowners and Dwelling Fire, new, 10% renewal; 12% Flood and Excess Flood, new and renewal.
MORATORIUM ON NEW APPOINTMENTS STATEWIDE UNTIL FURTHER NOTICE
The Lighthouse Property Insurance Corp. 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.
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
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 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%
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
Please email marketing@imsaccess.com for a copy of the 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.
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.
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)
For agency members (in good standing) of the Big I - Workers’ Comp, GigBOP, and Truckers’ GL - 12.5% new business and 10% renewal.
- 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
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.
(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
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
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 and Dwelling Fire.
12%, new and renewal.
Appointments are offered statewide.
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.
Homeowners HO 3 and HO 5, Condos HO 6 and Renters HO 4 as well as Flood.
12% new and renewal on HO forms, 17% new and renewal on Flood.
UPC has temporarily suspended partnering with new agents. We hope to revisit the valuable partnerships through this program soon.
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.
Commercial Lines Product Highlights
Hospitality & Liquor Product Hightlights
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
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.
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 is 8% new and renewal
The is a nationwide program that is available in all states except Alabama
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.
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.