Market Access for Your Customers

Independent Market Solutions (IMS)

IMS logo
Independent Market Solutions (IMS) facilitates relationships between independent insurance agencies and carriers without the need for a direct appointment. IA&B members can access IMS at no charge, and there are little to no minimum premium volume requirements.
Sub-producers receive competitive commissions, participate in any earned contingencies, and work toward volume requirements that may eventually qualify them for a direct appointment.

Get to know the carriers that participate in IMS by watching our recorded introductory webinars.

Visit a state-specific IMS webpage for market availability, commission rates & to sign up:
IMS access is a benefit of IA&B membership. Interested in becoming a member? Contact IA&B VP-Membership Tim Wonder at 800-998-9644, ext. 351 or
RLI logo

RLI: Home Business Insurance

Do you have customers running a small business out of their homes?
IA&B provides members the RLI Home Business Insurance (HBI) policy to offer the necessary protection from risks arising from home-based business activities that typical homeowners or renters policies do not cover. Specifically designed for home-based businesses, the HBI policy is written on an ISO BOP form. While standard homeowners endorsements offer some coverage, many DO NOT cover most business-related losses.
Educate customers and prospects by sharing the video, RLI Explains: What is Home Business Insurance.
If you have questions or would like to enroll:
Contact the IA&B Insurance Team at 800-998-9644, option 3 or
RLI Portal for Current Customers:
Not sure if your agency has access to RLI’s Portal? Contact the IA&B Insurance Team at 800-998-9644, option 3 or

RLI: Personal Umbrella

Have you offered the additional liability protection that your insureds need?
Through IA&B, you can offer your clients the RLI stand-alone Personal Umbrella Liability Policy (PUP). It gives your clients an additional layer of liability insurance protection over their underlying coverages. Consumers often assume that their auto or home insurance will provide all the liability protection they need. The reality is that jury awards in personal liability lawsuits are unpredictable and often exceed limits carried by insureds or maximum limits written by many companies. Protect your clients and your agency by always offering a Personal Umbrella.
*subject to per-driver eligibility requirements
If you have questions or would like to enroll:
Contact the IA&B Insurance Team at 800-998-9644, option 3 or
RLI Portal for Current Customers:
For assistance accessing the RLI Portal, please contact the IA&B Insurance Team at 800-998-9644, option 3 or
Learn how to use the RLI Portal, plus get answers to frequently asked questions about the RLI PUP program, in this video:

National Market Access Programs

Pennsylvania and Delaware Members

As an IA&B member in PA and DE, you benefit from Big I Markets. Big I Markets is an online market access system available exclusively to members. There are no fees, no volume commitments and competitive commissions. 

If you are looking for personal or commercial markets,  go to


Big “I” Markets

Mon – Fri: 9 AM – 5 PM EST

Maryland Members

As an IA&B member in MD, you have access to PIA National Flood Program.

Premium Financing for your Customers

Enjoy this exclusive member benefit through Premium Finance Brokerage, LLC. It enables you to offer personal and commercial lines clients a greater ability to afford their insurance premiums. This program is designed for accounts of any size.
Program Features Include:

Credit card down payment option

Eliminate your agency’s risk of a disputed charge or bounced check.

Interest Rate Guarantee

We provide you a competitive rate so you don’t have to shop anywhere else.

Flexible payment terms

Fit the needs of your clients.

Quick Loan Technology

Submit your agreements online for immediate processing.

Rapid quoting and servicing

Access your customer’s account information online

Minimum account size

Any size commercial or personal lines contract is accepted.

Revenue Sharing

Create an extra source of income for your business.
These features give you a means to extend the value of your agency to clients and turn premium financing into another revenue stream, adding dollars to your agency’s bottom line.
Tim Wonder
VP – Membership
800-998-9644, ext. 351

Why Join IA&B?

One of the biggest resources for you is our staff – consider us an extension of your office. It’s part of the value of membership. When you have a question about coverages, save yourself time and frustration, and contact us first. We exist to help your agency not just survive, but thrive in today’s competitive insurance environment.
650 Wilson Lane, Suite 200
Mechanicsburg, PA 17055
191 Main Street
Annapolis, MD 21401
Toll Free: 800-998-9644
Fax: 717-795-8347
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