Synergy of Three Divisions

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

IPOA currently has three exclusive programs for: 

  • Hotels and Resorts (Up to 20 million TIV)
  • HPR (Up to 250 million TIV – Majority TIV in Non-CAT areas)
  • Senior Living (Up to 40 million TIV)

Our Hotel, Senior Living, and HPR program is insured by Lloyd’s of London (non-admitted) – quoting everything from property policies with wind, package x-wind, package.

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