PENNSYLVANIA

 

IMS-Pennsylvania 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, Foremost Signature Home & Auto, Frederick Mutual Insurance Company, JIBNA, Millers Mutual Insurance Company, NatGen Flood, Progressive, Prudent Pet, Travelers

Commercial Lines
Attune, Coterie, Cowbell Cyber, Frederick Mutual Insurance Company, JIBNA, NatGen Flood, Normandy Insurance Company, Progressive, RMS Hospitality, Travelers, UFG Insurance, V3 Insurance

Returning agent?

If you’re 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 Pennsylvania.

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

attuneagencyagreement4.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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Foremost Signature Auto & Home

Programs Available

Foremost SignatureSM: Standard and Preferred Home & Automobile, Condominium Unit Owner, Personal Excess Liability Policy, Renters

Commission Rate

Commissions ranging from 8% to 15% based on line of business.

Commissions paid by Independent Market Solutions

Market Availability

Agency must have consistent monthly flow of new business opportunities.
Minimum of 12 months agency ownership experience.
Agent must not have been previously terminated by Farmers®, Foremost® or Bristol West®.
Access to EZLynx, PL RatingTM (Vertafore), or ITC-TurboRater preferred.
Agency must be profitable with current carriers.
Appointments are not guaranteed and are based on market capacity and individual characteristics.

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%.

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

BrokerAgreement3.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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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

Commissions paid by Independent Market Solutions

Market Availability

We are open and appointing for all flood products in Pennsylvania

Agency Agreement

The National General 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

NatgenProducerAgeement.pdf

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Normandy

Programs Available

Normandy Insurance Company provides workers’ compensation insurance for industries including: restaurants, light manufacturing, landscapers, health care, cannabis & medical marijuana operations, retail stores and many more. General liability insurance is also available through a proprietary program

Commission Rate

12% New 10% Renewal

Commissions paid by Independent Market Solutions

Market Availability

Normandy will consider new ventures, a lapse in coverage, shock loss risks
Construction class codes require 1 yr prior coverage
Home Health Care requires 3 yrs of prior coverage
High Mods also considered

Click Here to view our state map

Agency Agreement

The Normandy agency agreement is between Independent Market Solutions (IMS) and Normandy Insurance. When you agree to sign the sub producer agreement during this application process, you will also agree to the instructions, guidelines, policies and procedures contained in the agency agreement. This also applies to the proprietary program for GL and Workers Compensation.

Read the Agency Agreement

Normandy-IMS-agency_agreement.pdf

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Progressive

Programs Available

Commercial and Personal Auto, Renters, Motorcycle, Boat and Recreational Vehicles

Commission Rate

Personal Auto w/ proof of prior auto ins, no lapse in coverage and owned home NEW: 12%
Personal Auto w/ proof of prior auto ins, no lapse in coverage and owned home REN: 8%
Personal Auto w/ proof of prior auto ins, no lapse in coverage and no owned home NEW: 10%
Personal Auto w/ proof of prior auto ins, no lapse in coverage and no owned home 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

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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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-Agreement3.pdf

Website

rmshg.com

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Travelers

Programs Available

(Personal) 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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UFG Insurance

Programs Available

Meet BOP-Pro, a simple solution to a businessowners policy that features more than 35 property and liability coverages as well as commercial auto, workers compensation, cyber and umbrella supporting lines.

Eligible Classes:
Retail and Service: Up to $10M in gross sales and 35,000 sf
Offices: Up to $10M in gross sales and 100,000 sf
Contractors: Up to $6M in gross sales and no more than 25% subcontracted
Distributors: Up to $10M in gross sales and 50,000 sf
Convenience Stores: Up to $10M in gross sales, 24 hour operations are not eligible
Restaurants: Up to $6M in gross sales and 7,500 sf

General risk characteristic requirements:
Up to $25,000 in premium
No more than 10 auto units
Buildings built within the last 35 years or have had qualifying updates (when including property coverage)
No more than $7M in combined property values

Learn more about BOP-Pro available classes at https://www.ufginsurance.com/online/appetite

Commission Rate

BOP: 18% new and 13% renewal
Auto: 10.5% - must be written with a BOP-Pro policy
WC: 3% - 8% - must be written with a BOP-Pro policy

Market Availability

BOP and supporting lines are available for eligible BOP-Pro risks — commercial auto, workers compensation, cyber and umbrella coverages. Risks that are not eligible for BOP-Pro are not eligible for any of the supporting lines.

Qualifying agents must demonstrate:

Established books of business with three-year profitable loss runs
Minimum of five new business quotes completed per month
Minimum of two years of agency ownership experience
Ability to quote all business through UFG Insurance online quoting platform
Applicant must operate and maintain a storefront or retail location for their operation

Agency Agreement

The Agency agreement is between United Fire Group 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 United Fire Group agreement, which will be provided during the appointment process.

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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

v3agencyagreement1.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.