Market Access for Your Customers
Independent Market Solutions (IMS)
Independent Market Solutions (IMS) facilitates relationships between independent insurance agencies and carriers without the need for a direct appointment. IA&B members can access IMS at no charge, and there are no minimum premium volume requirements.
Sub-producers receive competitive commissions, participate in any earned contingencies, and work toward volume requirements that may eventually qualify them for a direct appointment.
Get to know the carriers that participate in IMS by watching our recorded introductory webinars.
Visit the state-specific IMS webpage for market availability, commission rates, and to sign up:
IMS access is a benefit of IA&B membership. Interested in becoming a member? Contact IA&B VP-Membership Tim Wonder at 800-998-9644, ext. 351 or TimW@IABforME.com.
ARI
Through our partnership with Agency Resources, we provide you a small, mono-line workers’ compensation program for your commercial clients. Coverage for farms, roofers, treework, transportation and more!
Program Features
Program Features Include:
Selection of Carriers
Multiple carriers available to fit you with a variety of class codes you need to place your business clients.
Payment & Billing Plan Options
Manage your premium using payment and billing plan options to suit your budget.
Account Size
Minimum premiums as low as $1,000, depending on class code and writing carrier.
24-Hour Quote Turnaround
Meet time-sensitive deadlines within the same day
Multi-State Operations
Coverage available for client operations spanning state lines.
Competitive Commissions
Earn 4-8% on new and renewal business.
Variety of eligible class codes
Contractors, restaurants and manufacturers.
If you have questions or would like to enroll:
Contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
Contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
Workers Comp Specifics
Call Agency Resources at 866-454-9676 or email maryellen.mazzo@agencyresources.com for participating carriers, class codes, forms, and the new business submission process.
If you have questions or would like to enroll:
Contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
Contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
RLI: Home Business Insurance
Do you have customers running a small business out of their homes?
IA&B provides members the RLI Home Business Insurance (HBI) policy to offer the necessary protection from risks arising from home-based business activities that typical homeowners or renters policies do not cover. Specifically designed for home-based businesses, the HBI policy is written on an ISO BOP form. While standard homeowner endorsements offer some coverage, many DO NOT cover most business-related losses.
RLI Home Business Insurance Coverage Includes
- Up to $1,000,000 in business general liability coverage, both on and off the residence premises.
- Up to $100,000 in business personal property (BPP) limits for protection at home and while temporarily off premises.
- A standard $250 deductible.
- Up to $5,000 per person for medical payments to customers or vendors injured on your premises.
- Optional coverage for unmanned aircraft (drones).
- Optional coverages for money and securities.
- Electronic data processing coverage.
- Availability in all states and the District of Columbia, regardless of the carrier providing the homeowner coverage.
- Client must agree to and mantain the agreed upon underlying limits / basic policy as a condition of coverage.
If you have questions or would like to enroll:
Contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
Contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
Current Customers: RLI Portal
Not sure if your agency has access to RLI’s Portal, contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
RLI: Personal Umbrella
Have you offered the additional liability protection that your insureds need?
Through IA&B, you can offer your clients the RLI stand-alone Personal Umbrella Liability Policy (PUP). It gives your clients an additional layer of liability insurance protection over their underlying coverages. Consumers often assume that their auto or home insurance will provide all the liability protection they need. The reality is that jury awards in personal liability lawsuits are unpredictable and often exceed limits carried by insureds or maximum limits written by many companies. Protect your clients and your agency by always offering a Personal Umbrella.
Program Features
- No Best rating requirements for underlying carriers.
- Available limits up to $5 million.
- Self-underwriting application, so you know as soon as you complete the form whether your clients qualify for coverage.
- No underlying carrier requirements; can write the umbrella when underlying coverage is split across several different companies.
- Covers above auto, home, boat or rental properties.
- Competitive commissions (8-10%).
- No production requirements!
Customer Coverage Needs
- New drivers accepted - no age limit on drivers.
- Up to one DWI/DUI per household allowed.
- Auto limits as low as 100/300/50 in certain states.
- Excess UM/UIM now available.
- Drivers under the age of 22 can have up to 1 incident.
- Up to 6 moving violations and 3 at fault accidents per household*.
- Up to 10 autos (+25 antique autos) per household.
- Up to 10 properties per household.
- Up to 5 non-U.S. properties per household.
*subject to per-driver eligibility requirements
If you have questions or would like to enroll:
Contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
Contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
Current Customers: RLI Portal
Not sure if your agency has access to RLI’s Portal, contact the IA&B Insurance Team at 800-998-9644, option 3 or IAB@IABforME.com.
National Market Access Programs
Pennsylvania and Delaware Members
As an IA&B member in PA and DE, you benefit from Big I Markets. Big I Markets is an online market access system available exclusively to Big I members featuring no fees, no volume commitments and competitive commissions. For more information, go to:
Contact
Big “I” Markets
Bigimarkets@iiaba.net
703-647-7800
Mon – Fri: 9 AM – 5 PM EST
- Learn More
Commercial Lines
If you are interested in the following markets:
- Pollution
- Habitational Exposures
- Bonds
- Outdoors
- Flood
Personal Lines
If you are interested in the following markets:
- Flood
- Recreational Vehicles
- Collector Car
- Non-Standard Homeowner
- Marine
- Affluent Program
Maryland Members
As an IA&B member in MD, you have access to PIA National Flood Program.
Premium Financing for your Customers
Enjoy this exclusive member benefit through Premium Finance Brokerage, LLC. It enables you to offer personal and commercial lines clients a greater ability to afford their insurance premiums. This program is designed for accounts of any size.
Program Features
Program Features Include:
Credit card down payment option
Eliminate your agency’s risk of a disputed charge or bounced check.
Interest Rate Guarantee
We provide you a competitive rate so you don’t have to shop anywhere else.
Flexible payment terms
Fit the needs of your clients.
Quick Loan Technology
Submit your agreements online for immediate processing.
Rapid quoting and servicing
Access your customer’s account information online
Minimum account size
Any size commercial or personal lines contract is accepted.
Revenue Sharing
Create an extra source of income for your business.
These features give you a means to extend the value of your agency to clients and turn premium financing into another revenue stream, adding dollars to your agency’s bottom line.
Get Started
Why Join IA&B?
One of the biggest resources for you is our staff – consider us an extension of your office. It’s part of the value of membership. When you have a question about coverages, save yourself time and frustration, and contact us first. We exist to help your agency not just survive, but thrive in today’s competitive insurance environment.
5050 Ritter Road
Mechanicsburg, PA 17055
Mechanicsburg, PA 17055
191 Main Street
Annapolis, MD 21401
Annapolis, MD 21401
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