WISCONSIN

IMS-Wisconsin Participating Carriers


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. IMS-Wisconsin partners with the following companies:

 
Personal Lines
Branch, Foremost Signature Home & Auto, JIBNA, Progressive, Prudent Pet, SynchronoSure, Travelers
 

Commercial Lines
Attune, Coterie, Progressive, RMS Hospitality, UFG Insurance, V3 Insurance

 
Access to IMS is available at no charge to IIAW members. Not a member? Join!

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+
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 Wisconsin

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

attuneagencyagreement.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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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.

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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

BrokerAgreement2.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 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: 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

Must have active E&O policy with limits of $300,000
Must have active P&C license for the state for both the agent and agency
Must have intent to produce with Progressive.
Must commit to a minimum of 2 new business policies per month.
Must not owe Progressive funds
Must be in good standing with Progressive
Must not have been previously terminated by Progressive
Will be subject to a criminal background check.
Applicant must operate and maintain a storefront or retail location for their operation.
Must complete training and onboarding curriculum

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-Agreement9.pdf

Website

rmshg.com

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SynchronoSure

Programs Available

Workers Compensation (learn more) – This coverage helps protect businesses for injuries to workers that arise from their employment and from wages that are lost due to those injuries. We have over 900 available governing class codes representing most of the classes associated with hazard grades A – F, and 15 classes within hazard G. Maximum unmodified manual premium is $35,000. Maximum experience mod is 1.35. Business we are actively writing includes small contractors, hospitality, light manufacturing, and agricultural risks (no trees or animals bigger than we are). We are not presently entertaining transportation, healthcare, Federal Act risks. The average bound premium to date is about $6000 per policy. The insurer is Sutton National, rated A- VIII by AM Best.

Follow Form Excess Liability (learn more) – This policy provides coverage above the limits of the scheduled underlying coverage. It offers no broader protection than that provided by the underlying policy. We have more than 550 available class codes. Limits capacity is $5 million, and we are attaching typically excess of primary $1 million or excess of $5 million excess of primary $1 million. Coverage is offered on a follow form excess liability basis, and we can sit over GL and Auto liability, but will not do auto by itself. We are actively quoting coverage within both residential and commercial contracting codes, hospitality including both restaurants and hotel/motel risks excess of $1 million primary insurance or $5 million excess of $5 million excess of Primary insurance. In addition, we are actively quoting habitational exposures excess of $6 million minimum attachment point. The average bound premium to date is $9,000. The maximum policy premium we entertain in our layer is $35,000. The carrier for this product is Sutton Specialty, rated A- VIII by AM Best.

General Liability (learn more) – This is a monoline general liability market currently focusing on trucker general liability. This liability coverage provides protection for premises and operations liability, and products/completed operations liability. We are expanding the GL program to 155 other class codes (targeting “live” at 11/15/2022). The maximum premium per policy will be limited to $35,000. The product is built around the ISO GL product language. The carrier for this product is Sutton Specialty, rated A- VIII by AM Best.

GigBOP® (learn more) – A package insurance for the gig workers, contractors, freelancers, and one-person bands. This coverage includes Business Personal Property, Business Liability, and Miscellaneous Professional Liability, uniquely crafted to meet the needs of modern small businesses. Currently supports 78 eligible class codes, soon to expand to 183 (11/1/2022 target to go “live”) as well as reducing the minimum policy premium to $500 and introducing a “starter” limit at $100,000 for a minimum policy premium of $350. We are actively quoting management consultants, bookkeepers, and building and home inspectors. The product includes business personal property with limits to $250,000, liability up to $ 1million and miscellaneous professional liability to $1 million. The carrier for this product is Sutton Specialty, rated A- VIII by AM Best.

Commission Rate

For Big I agency members in good standing: 12.5% new business and 10% renewal.

Commissions paid by Carrier

Market Availability
  • Workers Compensation – Currently available in 17 states: AL, FL, GA, IL, NC, TN, TX, and WI. Soon expanding to KY, MD and PA. (IMS is not currently licensed in AR, IA, IN, KS, MO, MS, OK, SC, & VA)
  • Follow Form Excess Liability - Currently active nationwide (please check with IMS for licensing status outside of WI) on an E&S basis.
  • Truckers General Liability - Currently available in 37 states on an E&S basis: AL, CA, CT, FL, GA, IL, KY, LA, NC, SC, TN, TX, and WI. (IMS is not currently licensed in AK, AR, AZ, CO, HI, IA, ID, IN, KS, MN, MO, MS, MT, ND, NE, NM, NV, OK, OR, SD, UT, WA, WV, and WY if you have significant opportunities in any of these states please let us know)
  • GigBOP® - Currently active nationwide (please check with IMS for licensing status outside of WI) on an E&S basis.
Agency Agreement

https://synchronosure.com/wp-content/uploads/2022/09/SynchronoSure_IMS_Producer_Agreement_Watermark_02162022-2.pdf

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 this link https://synchronosure.com/producer-registration/

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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.

Commissions paid by Independent Market Solutions

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.

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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

v3agencyagreement.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.