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IMS-Florida Participating Carriers

 

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 nine (9) companies, all but one of which follow: American Traditions Insurance Co./Modern USA Insurance Co., Avatar InsuranceCypress Property & Casualty Insurance, Florida Homebuilders Insurance EDGE (general liability)Heritage Insurance, StormPeace (policy that pays out-of-pocket hurricane expenses not covered by homeowners insurance), United Property & Casualty Insurance, and Universal North America Insurance Co. 

Bankers has not yet moved onto the IMS platform, but agents can request access through FAIA’s website.

Access to IMS is available at no charge to FAIA members. Not a member? Join! 

Returning agent?

If you’re previously submitted an application and want to request a sub-appointment for a new or additional carrier, please email Taylor Johnson.

Agency appointments are not guaranteed. Annual New Business production commitment is required for consideration. Agency is responsible for all producer licensing fees.

American Traditions Insurance Co./Modern USA Insurance Co.

Who is required to be appointed?
The principal (Agent in Charge) on file with DFS will be appointed for each agency and a $60 fee per company will apply. Appointment fees must be paid in advance of any new business being written.

Programs available: Mobile Homeowners, Homeowners, Mobile Homeowners Dwelling Fire (DP1), Homeowners Dwelling Fire (DP3)

Commission rate: 11% New/Renewal - Mobile Homes & DP1, 13% New and Renewal - Homeowners (HO3 & HO6), 15% New and Renewal - Homeowners Dwelling Fire (DP3). Commission paid is on non-hurricane premium only.

Market availability: There is no availability for new appointments in Bay, Broward, Calhoun, Duval, Escambia, Franklin, Gulf, Highlands, Holmes, Indian River, Jackson, Jefferson, Liberty, Madison, Martin, Miami-Dade, Okaloosa, Orange, Osceola, Palm Beach, Polk Santa Rosa, St Lucie, Taylor, Volusia, Wakulla, Walton and Washington Counties at this time.

Agency agreement: The ATIC/MUSA 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. Read the agency agreement.

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Learn more about ATIC/MUSA

Avatar Insurance

Programs available: Homeowners, Mobile Home.

Commission rate: 10%, new and renewal.

Market availability: Most Florida counties are currently open except for Broward, Hillsborough, Martin, Manatee, Miami-Dade, Monroe, Palm Beach, Pasco, Pinellas, St. Lucie, Sarasota.

Agency agreement: The Avatar 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. Read the Agency Agreement

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Learn more about Avatar

Cypress Property & Casualty Insurance

Programs available: Homeowners, Condominium, Dwelling Fire, & Artisan Contractor General Liability

Commission rate: 10% New/Renewal for Homeowners, Condominium & Dwelling Fire / 15% New/Renewal for Artisan Contractor General Liability

Market availability: GL appointments open statewide & most Florida counties are open for personal lines business except for Miami, Dade County, Monroe County, Broward County, Palm Beach County, Lee County, Collier County, Okeechobee County, Escambia County, Jackson County, Holmes County, Franklin County, Gadsden County, Santa Rosa County, Wakulla County,Washington County .

Agency agreement: 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. Read the agency agreement.

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Learn more about Cypress

Florida Homebuilders Insurance EDGE

Programs available: General Liability for contractors, main street businesses, hospitality: hundreds of General Liability class codes.

Commission rate: 9% new and renewal; no commission paid on policy fees.

Market availability: Available statewide.

The Florida Homebuilders Insurance EDGE 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. Read the agency agreement.

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Learn more about FHBI Edge

Heritage

Programs available: Homeowners and Dwelling Fire.

Commission rate: 10%, new and renewal.

Market availability: Most Florida counties are currently open except for Broward, Miami-Dade, and Palm Beach. For an agency to be considered, a minimum of two new business applications per month will be required.

Agency agreement: 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. Read the Agency Agreement

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Learn more about Heritage

StormPeace

Programs available: Parametric insurance that provides storm coverage for losses from hurricanes. Policy automatically pays eligible policyholders based on the strength of the hurricane and the distance of the property from the storm’s path.

Commission rate: 10%, new and renewal.

Market availability: Available statewide.

Agency agreement: The StormPeace 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. Read the Agency Agreement

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Learn more about StormPeace

United Property & Casualty Insurance Co.

Programs available: Homeowners and Dwelling Fire.

Commission rate: 12% new, 10% renewal.

Market availability: Click here to see market availability.

Agency agreement: The United Property & Casualty 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. Read the Agency Agreement

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Learn more about UPC

Universal North America Insurance Co.

Programs available: Homeowners and Dwelling Fire.

Commission rate: 10%, new and renewal.

Market availability: Appointments are offered statewide except for in Pasco and Hernando counties.

Agency agreement: 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. Read the Agency Agreement

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Learn more about Universal North America