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Premium Financing Solutions for Insurance Agents

Helping Agencies Manage Payments, Streamline Operations, and Grow Revenue 

I'm Interested in Premium Financing

At IPFS, we provide insurance agencies with comprehensive premium financing solutions designed to simplify operations, enhance cash flow, and improve your client experience. Our One Platform | One Partner approach offers flexible payment terms, easy-to-use technology, and dedicated support that helps you focus on growing your business and serving your customers.

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Why Choose IPFS?

Working with IPFS gives insurance agencies tools and support built for the realities of your day-to-day operations. Our solutions help you:

Get Paid Faster: Immediate commission collection to keep cash flowing. 

Keep Customers Longer: Offer payment options that help reduce policy cancellations.  

Cut Down on Busy Work: Automated tools and system integrations to save you time.

Tailor Solutions to Your Customers: Flexible financing options that meet their unique needs.  

Access Expert Support: Dedicated IPFS teams ready to help your agency succeed.  
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Our Premium Financing Solutions

IPFS provides different financing options. These choices aim to provide many benefits to our clients and the business owners they cover. From fast commission collections to better account receivable ratios and reduced billing expenses, the value of partnering with IPFS is limitless.

 

We are a private premium finance company with nearly 50 years of experience. Our clients get excellent care and service. We offer financing for fully earned policies, audits, bonds, and retrospective-rated policies. Our premium financing program depends on various factors. 

 

Sample Terms for Commercial Policy Financing:

25% Down and 9 Monthly Payments

15% Down and 10 Monthly Payments

The loan length depends on several variables.
Typical agreements use either a nine-month or ten-month installment.
Financing Solutions offer flexible payment options

Benefits of Premium Financing from IPFS

Premium financing online at ipfs.com

ipfs.com

Access the Agency Dashboard on ipfs.com for insights into how insureds use IPFS services. Available information includes activity data and electronic communication enrollment. Create a range of reports in PDF or Excel workbook formats.

IPFS provides options for insurance premium finance quoting

Quoting

Access quotes online at ipfs.com, by email, or by phone. All quotes can be viewed and amended online, and renewal quotes load the prior year’s information, making the process as quick and efficient as possible.

Digital Premium Financing Solutions

eForms & eSign

Automate email delivery to specific addresses in your organization from any device at any time. Electronically collect a signature and submit it online to reduce paperwork.

IPFS Connect Mobile App for Addition Payment Options

IPFS Connect® Mobile App

Access account information 24 hours a day, seven days a week via mobile app. Agents and insureds can make payments, check account status, update account information, and receive important push notifications from IPFS.

Custom Branding

Custom Branding

Highlight your brand and help insureds recognize important IPFS communications by co-branding or white labeling insured-facing points of contact. With custom branding you will create brand awareness and recognition, drive more efficient outcomes by creating a consistent user experience for insureds, and confirm that insureds receive consistent coverage that isn’t interrupted due to a missed payment.


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Payment Options

Paying for premiums has never been easier. IPFS offers many ways to pay including the ability to make payments in installments, in full, or anytime. Payments can be made by interactive voice response, check or money order to a secured lockbox, bank bill payment, pre-authorized account debit, and credit card. Qualified account holders will be offered enhanced terms through IPFS Credit Advantage®.

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IPFS Integrations

Eliminate busy work by integrating with IPFS. Integrations provide powerful reporting, automated data entry, and tracking opportunities with minimal manual intervention, saving time and making daily tasks more efficient. IPFS can integrate with most Management Systems.

 

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Cancellation Avoidance Tools

Avoid insurance coverage disruption with timely payment due date reminders, cancellation notices via text message and email, impending cancellation reports provided to agents, and the ability for agents to place accounts on hold to delay cancellation.

Operations

The technology solutions from IPFS are crafted to solve problems faced by insurance agents, providers, and business owners

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IPFS Totalpay

Provide premium payment flexibility to your agency and your customers

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IPFSDirect

A single platform of technology solutions to improve customer experience

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ONE

ONE platform helps with every step of offering insurance and works seamlessly with your agency

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IPFS Payments

Streamlined and simple payment options for insureds

A Strategic Ally in Premium Financing

Insurance agents, agencies, and underwriters partner with IPFS to provide premium financing solutions for business owners seeking insurance coverage. As a private company, IPFS can provide financing options that fit the specific needs of your customers. These solutions are often not available from traditional lenders. 

We help agencies gain an edge by offering a fast and easy approval process. We also provide competitive terms and flexible options. These designs help customers get coverage quickly and efficiently. 

How Premium Financing Works with IPFS: 

  1. The policyholder arranges insurance through their agency.
  2. The agency generates a premium finance agreement using ipfs.com.
  3. The policyholder signs the agreement and submits the down payment.
  4. IPFS funds the insurance premium in accordance with the agreement.
  5. The policyholder repays IPFS in convenient installments.

Since financing is optional, the total cost of insurance stays the same. This is true whether your customer finances their premium or pays in full. 

Our Clients and Their Policyholders

We take pride in serving top clients in the industry. We work closely with insurance agents, agencies, and carriers. Our goal is to provide premium financing solutions. We tailor these solutions to meet the unique needs of small, medium, and large businesses, including: 

  • General Insurance Agents (GIAs)
  • Managing General Agents (MGAs)
  • Captives
  • Insurance Carriers

Our clients serve in a wide range of businesses and industries, including:  

  • Property and Real Estate
  • Trucking
  • Construction
  • Transportation
  • Hospitality
  • Business Owners  

Types of Coverage Financed

With five decades of experience and industry-leading technology, IPFS provides a seamless premium finance experience for both agencies and their customers. Our dedicated Account Executives work directly with insurance agents to develop custom financing solutions for business owners, ensuring policies are both accessible and manageable.  

IPFS offers premium financing for a wide range of policies, including but not limited to:

  • Property and Casualty
  • Professional Liability
  • Commercial Auto
  • Trucking
  • General Liability
  • Errors and Omissions
  • Business Owner’s Policy (BOP)
  • Personal Lines

Ready to Make
Premium Financing Easier?

Join the thousands of insurance agents who trust IPFS to provide flexible, efficient, and scalable premium financing solutions. Contact us today to learn more about how we can support your agency’s growth.