Who Is Founders Insurance Company?
Founders Insurance Company is a specialty commercial insurer that occupies a unique position in the market: commercial accounts that don't quite fit standard carrier criteria but don't need a full surplus lines placement. For independent agents, that means Founders is the solution for a specific but common category of commercial clients — those who fall between standard and E&S.
Having Founders in your carrier lineup expands what you can say yes to, which is ultimately what builds a strong commercial book.
Commercial Lines Available Through IPA
Core Commercial Products
- Commercial General Liability: GL coverage for businesses in commercial classes that fall outside standard carrier appetites — including certain liability-intensive operations and accounts with modest loss history.
- Commercial Property: Building and business personal property coverage for commercial accounts where standard carriers have declined or limited their offerings.
- Commercial Auto: Commercial vehicle coverage for businesses that need auto coverage alongside their general liability.
- Specialty Commercial Coverage: Tailored coverage for commercial operations in underserved or non-standard segments.
Commercial Accounts Where Founders Helps
Founders is the right call when you encounter:
- Commercial accounts with prior losses that standard carriers have non-renewed
- Business types that fall into gray areas for standard carrier underwriting
- Commercial clients who have been declined by primary markets
- Accounts that need liability coverage in classes with limited standard market appetite
- Small commercial businesses with limited operating history
Why Specialty Commercial Markets Matter for Your Book
Every commercial agent encounters accounts that don't fit standard carrier criteria. The question is what you do with them. Agents who refer those accounts out often lose the entire relationship — the client finds a competitor who can help them and that competitor becomes the agent of record for their whole account.
Having Founders in your carrier lineup through IPA means you have a solution for a wider range of commercial situations. You become the agent who finds answers instead of the one who sends clients elsewhere.
Getting Appointed Through IPA
Through IPA, you access Founders Insurance Company without a separate direct appointment:
- Immediate access to Founders commercial products via IPA's agency relationship
- Support from IPA on determining whether an account fits Founders' appetite
- Paired with standard commercial markets so you can quote multiple options
- No standalone production minimums for specialty market access
Ready to Access Founders Through IPA?
If you are encountering commercial accounts that your standard markets won't write, Founders may be the answer. Book a discovery call with IPA and we will help you identify the right market for every commercial account you bring us.