Insurance Programs Of America is dedicated to being the leader in niche business. It’s our only focus and, as such, our strategy is straightforward: to design, market, and negotiate competitive insurance programs for select agents. Niche agents and brokers have the advantage of expertise, experience, and respect within their industries. We deliver the markets and products for their industries in three distinct areas: Standard Markets, Surplus Lines, and Programs. Combine the industry-focused expertise of niche agents and brokers with our Synergy of 3 Divisions, and you readily understand – and experience – why Insurance Programs Of America is a leading wholesaler that stands apart.
When you partner with us, you can be assured of our proven experience, unwavering responsiveness, and agent satisfaction to gain a competitive edge in your area of expertise. We only work with successful niche agents, and want you to know that your business is important to us. Our staff is committed to serving you today and in the years to come, offering you a relentless pursuit of innovation, marketing leverage, and superior product alternatives.
Admitted
Insurance Programs of America™ has quality markets for:
- HPR (Highly Protected Risk) Minimum 100 million with capacity up to 1 billion
- Middle market packages
- BOP
- Builders Risk
- Umbrellas
- Employment Practices Liability
We have established direct access to national standard carriers, and we pride ourselves on our solid relationships. Our carriers write business with us in all states.
Surplus
Insurance Programs of America E&S focus for niche industries includes:
- Large layered property programs
- Coastal & earthquake exposed risks
- Monoline windstorm
- Wind-buy backs
- Excess flood
- Builders Risk
Unique hard-to-place risks require both experience and market capacity. Our E&S Placements are unrivaled by many wholesalers.
Programs
We focus on hospitality accounts ranging from limited service hotels to resorts and spas nationwide:
- Hotels and Resorts
- Historic Properties
- Restaurants
- Apartments
- Umbrella (5-100 million)
- Golf Course
Our hospitality program consists of several A-rated, admitted and non-admitted carriers – quoting everything from property policies with wind, package x-wind, package, or even a BOP.
