Imperial PFS® partners with your agency to provide a premium finance solution for agents and insureds.

Benefits for Agents

  • Integrations with agency management systems 
  • Agents obtain commissions up front
  • The Agency Dashboard on ipfs.com provides insured activity data 
  • eSignature to enable paperless processing
  • Competitive terms tailored for your insurance provider programs
  • CE Classes provided at no cost
  • Multiple features and services with IPFS One platform
  • Payment solutions

Benefits for Insureds

  • Combined billing makes managing accounts easier
  • Improved cash flow
  • Flexibility to choose your payment plan: monthly, quarterly, or seasonal
  • IPFS Connect®: make payments*, review policy information, check account status, and more
  • Quick approval process
  • Fixed rate and terms

 

Click below to learn more about IPFS One Platform options:
IPFS is the Smart Choice in Premium Financing

About Premium Finance

The goal of premium finance is to alleviate a financial burden for business owners and to provide insurance agencies a catalyst to reach a broader audience with a specific need. Imperial PFS offers flexible premium payment options with multiple benefits for our agency partners and insureds (business owners). As a privately held commercial insurance premium financing company, and with over 45 years of experience, our Customers get a professional level of care that is unrivaled.

IPFS connects Pinnacle Club members with a dedicated and local support team, pre-approved terms to expedite the quoting experience, increased efficiency, boosted revenue, and decreased potential for risk.

Less doing, more done. That's the power of one.

Have questions? We're happy to help.

Complete the contact form below, and an associate will be in touch.

Pre-Approved Terms

Your agency has the ability to offer the following terms.* Any financing over the limits listed below require credit approval. Up to 25% minimum earned premium. D&O over $100,000 requires credit review. Fully earned wind and flood policies capped at $50,000.

For General Business

Down paymentNumber of
monthly payments
Total premiumCancellation
provision
12equal payments$250,00010 days
20%10$500,00010 days
For Transportation Policies

Down paymentNumber of
monthly payments
Total premiumCancellation
provision
20%10$250,00010 days
25%9$500,00030 days
For Professional Liability Policies

Down paymentNumber of
monthly payments
Total premiumCancellation
provision
12  equal payments$500,00010 days
For Professional Liability Policies

Down payment Number of
monthly payments
Total premium Cancellation
provision
12  equal payments $500,000 10 days
For Condo Business Policies

Down paymentNumber of
monthly payments
Total premiumCancellation
provision
12equal payments$250,00010 days
ADDITIONAL PREMIUMS

 

Down payment Total premium 
0%   Up to $50,000 

How the partnership works

Alabama, Connecticut, Washington DC, Michigan, New Mexico & South Carolina:

IPFS, in conjunction with Intrust Bank, N.A., (“Intrust”) offers this program to IPFS Customers that wish to provide premium finance solutions to their commercial insureds in these states. The premium finance agreement (PFA) identifies Intrust Bank, N.A. as the lender, and displays the Intrust name at the top right of the PFA.  Once the PFA is accepted by IPFS, IPFS will purchase the receivable from Intrust and in turn Intrust will pay income to AssuredPartners.  These accounts are funded by Intrust via ACH (only). Your local IPFS office can supply you with the form required to setup the Intrust Bank Program.

Massachusetts, Nevada, & New York:

These states allow agents to finance their own receivables without first obtaining a premium finance license.  In MA & NV, the premium finance agreement (PFA) identifies AssuredPartners as the lender and displays the AssuredPartners name at the top right of the PFA. Once the PFA is accepted by IPFS, IPFS will purchase the receivable from AssuredPartners and pay purchase price income to AssuredPartners.  IPFS of New York, LLC will generate on the NY PFA with representations that the Agent sold and assigned the PFA to IPFS of NY.