FLORIDA
IMS-Florida Participating Carriers
Florida
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-Florida partners with the following companies:
Personal Lines
Amelia Underwriters, American Integrity, American Traditions Insurance Co., Cypress Property & Casualty Insurance, Foremost Signature Home & Auto, Heritage Insurance, JIBNA, Monarch Insurance, NatGen Flood, Progressive, Prudent Pet, Swyfft, Travelers, and Universal North America Insurance Co.
Commercial Lines
Amelia Underwriters, Attune, Buoy, CNA Surety, Coterie, National General, Normandy Insurance Company, Novatae, Progressive, RMS Hospitality, Workpartners, Volta Underwriters
Access to IMS is available at no charge to FAIA 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.
- Canine Liability
The commission rate is 12% for both new and renewal business.
Commissions paid by Independent Market Solutions
Florida
The Amelia Underwriters 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 (HO-3), Integrity Select/DP-3 Owner-Occupied, Vacant Home (DP-1), Condo, Rental or Seasonal Dwelling (DP-3), Watercraft, Golf Cart, Manufactured Home, Renters, Cyber
This commission schedule applies to new and renewal business policies:
Manufactured Home: 10% New business / 6% Renewal
Homeowners: 10% New business / 6% Renewal
Dwelling Fire: 10% New business / 6% Renewal
Umbrella: 10% New business / 6% Renewal
Golf Cart: 10% New business / 6% Renewal
HO4: 10% New business / 6% Renewal
HO6: 10% New business / 6% Renewal
Watercraft: 10% New business / 6% Renewal
This commission schedule applies to Citizens Property Insurance Corporation assumption business:
Mobile Home: 6%
Homeowners: 6%
Dwelling Fire: 6%
Commissions paid by IMS
All lines of business noted above are available in the state of Florida. Must commit to producing five new policies a month. Golf Cart and Marine only products available in Broward and Miami-Dade.
American Integrity is not currently appointing agents in the following counties: Broward, Miami–Dade, Lee, Monroe
The American Integrity Insurance 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.
Mobile Homeowners, Homeowners, Mobile Homeowners Dwelling Fire (DP1), Homeowners Dwelling Fire (DP3), Renters HO4/MH4.
11% New/Renewal - Mobile Homes & DP1, 15% New and Renewal - Homeowners (HO3 & HO6), 15% New and Renewal - Homeowners Dwelling Fire (DP3), 15% for New and Renewal business - Renters HO4/MH4. Commission paid is on non-hurricane premium only.
Commissions paid by Independent Market Solutions
ATIC has temporarily suspended partnering with new agents in Florida.
The ATIC 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.
Workers' Compensation (WC), Commercial Flood Insurance, Cyber Liability Insurance, General Liability and Professional Liability
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 Florida.
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.
As of January 1, 2023, all Boat Rental Businesses (Liveries) within the State of Florida are required to purchase liability coverage that covers their liability along with renters during the rental period. Buoy Boat Holdings, an affiliate of bolt agency, partnered with Markel to introduce a new insurance offering for boat renters and liveries with app-based technology that enables check-in/check-out, safety education, compliance, and boat rental facilitates liability coverage for liveries and renters as required by Florida’s Boating Safety Act of 2022.
5% for every boat rental trip under one livery account.
Currently available for all Florida liveries.
The commercial surety market includes numerous types of bonds categorized as court judicial, court fiduciary, public official, license and permit, and many miscellaneous bonds that include guarantees of financial performance. CNA Surety companies also write fidelity bonds, which cover losses arising from employee dishonesty and errors & omissions liability insurance. Contract bonds guarantee the performance of obligations covered by a written agreement between two parties. The most common types include bid, performance, and payment bonds.
CNA Surety understands the needs of its customers and has built itself to be responsive, flexible, and focused on satisfying the unique requirements of each one of its customers. We can provide custom-tailored surety solutions to virtually all segments of the market, regardless of size or circumstance. This explains our continued success and validates our potential for growth.
For each bond that we write, our insurance producer is paid a commission that is based upon a percentage of the bond premium. That percentage varies based upon a number of factors some of which are: the type of bond, state of the bond obligation, and contractual arrangements with producers. We offer our producers a competitive commission package to complement our outstanding service capabilities. A schedule of commissions will be provided during the appointment process.
Commissions paid by Independent Market Solutions
CNA Surety provides a full range of surety and fidelity bonds in all 50 states, Canada and Puerto Rico. CNA Surety has the capacity, experience, and dedication to serve a full range of bonding needs, from the smallest commercial bonds to multi-million dollar contract bonds.
The Agency agreement is between CNA Surety 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 CNA Agency agreement, which will be provided during the appointment process.
Business Owners Policy (BOP), General Liability (GL)
How to Quote Small Business Insurance Quickly with Coterie (video)
TOP 100 Business Classes Where Coterie writes 100% Businesses
For BOP/GL: 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.
Homeowners, Condominium, Dwelling Fire, & Artisan Contractor General Liability
Homeowners, Condominium & Dwelling Fire: Commissions vary by county.
Artisan Contractor General Liability: 15% New Business / 15% Renewal Business
Commissions paid by Carrier
Cypress Property & Casualty has temporarily suspended partnering with new agents in Florida.
The Cypress 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.
Foremost SignatureSM: Standard and Preferred Automobile, Personal Excess Liability Policy, Renters
Commissions ranging from 8% to 15% based on line of business.
Commissions paid by Independent Market Solutions
Foremost has temporarily suspended partnering with new agents in the state.
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.
Homeowners, Dwelling Fire, and Commercial General Liability
CGl Commission is 15% on new business (effective 9/1/22), and renewals will be paid at 12% effective 11/1/22. Currently, renewals are paid at 13%.
Base commission will be paid at 10% for new business and 9% for renewal business.
- Agencies with a 3-year loss ratio of 30% or better will be paid 10% for new business and 10% for renewal business
- Agencies with a 3-year claims frequency level of 4% or lower will be paid 10% for new business and 10% for renewal business
- Agencies with a non-CAT loss ratio of 30% or better and a frequency rate of 4% or lower will be paid 10% for new business and 11% for renewal business.
- Agencies with less than 100 earned house years – your commissions will be paid at 8% new business and 8% renewal business.
- Agencies with a 3-year non-CAT loss ratio 60% or greater will be paid at 8% new business and 8% renewal business.
- Agency performance will be evaluated in January of each year based on calendar year results for the prior 3-year rolling period.
The following counties are now open for admitted HO-3 new business subject to a minimum Coverage A of $300,000:
Alachua, Baker, Bradford, Clay, Desoto, Flagler, Gilchrist, Glades, Hardee, Hernando, Holmes, Indian River, Jefferson, Lee, Levy, Madison, Nassau, Pasco, Putnam, St. Johns, St. Lucie, Suwanee, Taylor, Union, Volusia, Walton, Washington.
* Please note that homes with roofs aged 6 years or older may require additional Consent to Rate, at the discretion of Underwriting. Additionally, a bound policy may be subject to a post-bind inspection.
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
Commissions paid by Carrier
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
HO3 – limits up to $2,000,000 Cov. A available
HO4 – limits up to $500,000 Cov. A available
HO6 – limits up to $1,000,000 Cov. A & C combined available
DP3 – limits up to $2,000,000 Cov. A available
Program is based on insurance score
8% New/Renewal | Up To 4% Contingency
Commissions paid by Independent Market Solutions
Monarch is actively partnering with new agents in Florida and is open to new business with statewide capacity.
The Monarch National 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.
NFIP/Federal Flood – Residential & Commercial
NFIP/Federal Flood – 20% New/Renewal/Rollover
Commissions paid by Independent Market Solutions
We are open and appointing agents in Florida.
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.
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
15% New 12% Renewal
Commissions paid by Independent Market Solutions
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
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.
Contractors Guard (General Liability for artisans, trade contractors, home builders, GCs)
Construction Defect (CD) Legal (CD legal coverage for artisans, trade contractors, home builders, GCs)
Midwives Professional Liability
Builders Risk
Professional Liability
Contractors Cyber Liability (Coverage for artisans, trade contractors, home builders, GCs)
Contractors Guard - 12.5% on new and renewal business
Construction Defect (CD) Legal - 12.5% on new and renewal business
Midwives Professional Liability - 14% on new and renewal business
Builders Risk - 15% on new and renewal business
Professional Liability - 15% on new and renewal business
Contractors Cyber Liability - 20% on new and renewal business
Commissions paid by Carrier
Open for appointments in all IMS states for current active members.
The Novatae agreement is between Independent Market Solutions (IMS) and FHBI. 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 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
Progressive appointments are available for consideration statewide.
Agents must write two policies per month.
Agency must have access to three or more auto carriers. May be two auto carriers if one is preferred.
Agency must have 1 year of agency ownership experience, (this can be with a different agency) but Progressive will consider less tenured agencies if they have 3+ years of agency management experience.
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.
HO-3 - Swyfft currently has two E&S Carriers available in Florida: Lloyd's of London - Vave and Topa (rated “A-" or better by AM Best or A (Exceptional) by Demotech) with up to $2M in Coverage A.
Short-Term and Long-Term Rental Coverage is available through the Lloyd's of London - Vave HO-3 program, subject to underwriting guidelines.
Flood – Private Flood through Lloyd's of London – Vave and Hiscox (rated “A-“ by AM Best or better)
Homeowners
8% on New and 7% Renewal
Flood
10% on New and 10% Renewal
Commissions paid by carrier
Swyfft is accepting new contracts in the state of Florida with the exception of Monroe, Miami-Dade, Broward, and Palm Beach counties. All appointments requested are reviewed by Swyfft prior to acceptance.
Beginning 4/1/2024, Swyfft will be requiring 25 quotes/month.
Agency agreement: Swyfft producer 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.
(Personal) Automobile, Personal Liability Policy
Auto (Standard Insurance Company) up to 10% new and renewal,
Personal Liability Policy up to 8% new and renewal
Youthful Driver up to 8% new and 8% renewal
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.
Homeowners and Dwelling Fire.
10% new on homes 7 years or less,
8% on homes more than 7 years old.
6% on renewals.
Commissions paid by Independent Market Solutions
Universal North America is accepting new appointments in the state of Florida with the exception of Miami-Dade, Broward and Palm Beach counties. All appointments requested are reviewed by Universal North America prior to acceptance.
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.
Business Owners Policy (BOP) with Windstorm & Hail.
Business Owners Policy (BOP) Ex-Wind.
Coverage is bound on Specialty Builders Insurance Co, an A.M. Best “A” / FSC IX surplus lines insurer.
The program targets small businesses with up to $10,000,000 in annual revenue and/or up to
$2,500,000 in annual payroll:
Property limit (including Coverage A) up to a maximum of $1,000,000
GL limit up to a maximum of $1,000,000 per occurrence / $2,000,000 in the aggregate.
Business Interruption limit up to a maximum of $200,000.
140 eligible professions and occupancies - For a complete eligible occupancy list, click here. To obtain quotes, go to volta-underwriters.com/ and click “Get a Quote.”
Retail commissions are 10% new and 10% renewal.
Volta Underwriters accepts submissions from retail insurance agents in Florida. Here is a breakdown of zip code eligibility.
The Volta Underwriters 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.
Workpartners provides workers’ compensation insurance for all industries except for contracting, trucking, oil, and gas.
14% New 14% Renewal
Commissions paid by Independent Market Solutions
Workpartners will consider new ventures with a minimum premium of $750. See target risk classes here.
High Mods considered
Our current retention rate is 94% vs the industry average of 85%
Lower than industry caseloads with an average of more than 20+ years of experience per adjuster
93% of claims closed in 18 months
Dedicated local Underwriter that handles New and Renewal Accounts
Dedicated Account Managers and Risk Control Managers
Workpartners agency agreement is between Independent Market Solutions (IMS) and Workpartners 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.
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.