RHODE ISLAND
IMS-Rhode Island Participating Carriers
Access to IMS is available at no charge to Indpedent Insurance Agents of Rhode Island, and there are no minimum premium volume requirements.
Appointments are based on mutually beneficial and profitable relationships, and no appointments are guaranteed.
Personal Lines
MetLife, Progressive, Travelers, United Property & Casualty Insurance Co.
Commercial Lines Attune, Progressive, RMS Hospitality, V3 Insurance
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.
Automobile, Homeowners, Personal 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
Prefer agency has a Comparative Rater (EZ Lynx or PL Rater)
Agent must not have been previously terminated by Metlife Auto & Home.
Agency must be Profitable with current Carriers.
Agency must fully complete the MetLife 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.
MetLife 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. Read the Agency Agreement
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%
Agents must write two policies per month
Must complete training and onboarding curriculum
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.
(Personal Lines Only) Automobile, Homeowners, Dwelling Fire, Specialty Lines
Auto – 10 to 15% New and Renewal
Home – 10 to 20% 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 8+ 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, Dwelling Fire (HO3, HO4, HO5, HO6)
Homeowners is 15% new and renewal
Dwelling Policies 15% new; 12% renewal
Statewide
The CARRIER 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 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.