May 17, 2012
Our Specialties
Many insurance companies develop special programs for a particular type of business. These programs are designed to meet the needs of a class of business and often provide broader coverage at prices that are untouchable elsewhere. The following briefly describes some of the programs we currently offer:
Transportation covers a variety of different types of businesses. We have programs dedicated to:
In order to service your industry's needs effectively we maintain direct relations with insurers who have a strong appetite to meet the variety of needs of the transportation industry. Fleets, motor truck cargo, household movers and service fleets have very different needs that can be met from a variety of different insurance companies like:
Real Estate poses some interesting challenges.Property located near the coast will be more difficult to insure due to the industry's concern with wind and water exposures. Also as values vary it makes it more difficult to ensure that the values are correct. Over or underinsuring can be a costly mistake.
At IMA we have direct access to the best providers of insurance for the real estate industry. Whether you are a developer, owner or real estate manager all of your needs can be met in one place. With direct relations with the best underwriters and specialty programs we are able to meet your continually changing needs. Here are some of the companies available:
Contractor insurers are few and often specialize in only certain trades or types of construction. Depending on what you build and even where you build it will determine which underwriter would best serve your needs.
Many find they are insured with a Surplus Lines carrier which can create some issues if you are not careful. For instance, many of these policies minimum premium is the same as the deposit premium, so if you over estimate your sales or payroll and the audit shows a lesser amount, you will not receive any return premium.
Workers Compensation poses a tough challenge for this type of business. There is no location to inspect as they keep on changing as buildings are completed and new ones started. This makes loss control and prevention more difficult and somewhat less effective, but still very important. There are two money savings opportunities that many contractors are not aware of:
There are a handful of carriers that are effective for your industry and we have direct access to most of them:
Schools pose many different challenges for underwriters due to the large variety of exposures; some of which have the potential for big claims! Grandstands, swimming pools, dormitories, playgrounds, day care, sexual harassment (especially for grade schools and high schools), athletic participation, bus and van fleets, field trips are an example of how varied the exposures can be from one school to the next! We have direct access to the leading providers of insurance to the education industry:
These companies have developed programs designed to meet the variety of needs the education industry presents; from workers compensation, harassment, professional liability to auto, property and liability! They also have professionals dedicated to your industry who will assist you in loss prevention and claims which will help control losses ensuring years of stable premiums.
Auto Dealerships - Most business have some characteristics that provide a plethora of challenges to the insurance industry. Auto Dealers are no exception to this concept. The large values held in inventory, which can be driven away, makes them a target for theft. Repair facilities, loaner cars and test drives all help create a rather unique set of exposures not generally met by companies who do not have a specialty program designed to address these issues. We have direct access to the best and most competitive underwriters servicing the auto dealers' needs:
These companies have been successfully challenging Universal Underwriters, now a subsidiary of Zurich North America. We can provide you with better coverage and competitive pricing! Find out why dozens of dealerships have chosen IMA as their broker!
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