RHODE ISLAND
IMS-Rhode Island Participating Carriers
Access to IMS is available at no charge to Indepedent Insurance Agents of Rhode Island.
Appointments are based on mutually beneficial and profitable relationships, and no appointments are guaranteed.
Personal Lines
Prudent Pet, Travelers
Commercial Lines Attune, Coterie, Progressive, RMS Hospitality
, Semsee
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.
Businessowners' Policy (BOP), Workers' Compensation (WC), Commercial Flood Insurance, Cyber Liability Insurance, General Liability and Professional Liability
BOP: 15% new business and 12.5% 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 Rhode Island.
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)
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.
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 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
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
Agency must maintain both and agency license and a producer license
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 – 10 to 15% New and Renewal
Home – 10 to 20% 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
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.
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.