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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 property coverage.

IMS-Florida partners with seven carriers, all but one of which follow: American Traditions Insurance Co./Modern USA Insurance Co., Cypress Property & Casualty Insurance, Elements Property Insurance Co., Heritage 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! 

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.

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- Mobile Homeowners Dwelling Fire (DP1), 15% New and Renewal - Homeowners Dwelling Fire (DP3)

Market availability: There is no availability for new appointments in Bay, Broward, Calhoun, Escambia, Franklin, Gulf, Highlands, Holmes, Indian River, Jackson, Jefferson, Liberty, Madison, Martin, Miami-Dade, Palm Beach, Okaloosa, 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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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 Broward, Citrus, Escambia, Hernando, Miami-Dade, Monroe, Palm Beach and Wakulla Counties.

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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Elements Property Insurance Co.

Programs available: Homeowners.

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 Elements Property 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 EPIC

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

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