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Premium Finance

premium finance
premium finance

What’s it?

Premium financing gives a brief time period mortgage for companies and people to make use of particularly to pay for property and casualty insurance coverage protection. The premium finance mortgage allows the insurance coverage coverage holder, typically known as the insured, to unfold funds over the course of the coverage as an alternative of paying your complete premium up entrance.

How does it work?

Insurance coverage brokers accomplice with Imperial PFS®to supply financing to their insureds. An insured who needs or wants financing to cowl a coverage or a number of insurance policies indicators an settlement with Imperial PFS. Based mostly on that settlement, the insured pays a down cost and Imperial PFS®pays the rest of the premium quantity. The coverage holder makes funds on the mortgage to Imperial PFS®over time as said within the mortgage settlement. The insurance coverage coverage serves as collateral, facilitating a simple utility and approval course of.

Financing Chart

Our Financing Options

Imperial PFS®gives versatile premium financing applications with a number of advantages for our company companions and their insureds.

Pattern phrases may be:

  • 25% down and 9 month-to-month funds or
  • 15% down and 10 month-to-month funds

Packages might be modified based mostly on shopper historical past and desires.

We may be capable to provide financing for absolutely earned insurance policies, audits, bonds and retrospective rated insurance policies to certified insureds.

In case you are an insurance coverage agent, common agent or insurance coverage firm consultant, please click on here to see the advantages you’ll be able to achieve by partnering with Imperial PFS.

In case you are a enterprise proprietor, click on here to see the advantages a premium finance mortgage can deliver to your enterprise.

In case you are in search of info on financing your private traces protection in NJ, NY or PA, please click on here.

For Enterprise House owners

Imperial PFS®works with our company companions and their insureds to supply versatile premium financing applications

Imperial PFS® has the providers and know-how that can assist you handle your enterprise. Financing your insurance coverage premiums offers you the flexibleness to make use of your working capital extra successfully. You should use an Imperial PFS®premium finance settlement and unencumber your capital for product improvement, hiring new staff, advertising and different investments to develop your enterprise. Imperial PFS®will work with you to develop personalized financing options that match the wants of your enterprise.

Why finance your insurance coverage premiums? A number of of the explanations are:

  • Preservation of capital. Amortize your funds over the yr and unencumber working capital to spend money on different enterprise alternatives.
  • Availability of credit score. Preserve your credit score traces open for different functions.
  • Greater returns. Earn extra on the retained capital than you’ll by prepaying your insurance coverage premiums.
  • Affordability. Buy further protection at a aggressive price.
  • Mounted price. Take consolation in realizing your price is not going to enhance over the time period of the mortgage.

Ask your company to supply an Imperial PFS® premium finance quote to your protection. Most quotes can be found in minutes with no monetary info required. After you have signed an settlement, which might be executed electronically in some states, you’ll be able to pay by mail, cellphone, fax, our safe web site, pre-authorized account debit or our cellular web site. We look ahead to working with you.

For Brokers

Imperial PFS® is pushed by what you should develop your enterprise

Premium financing with Imperial PFS® gives advantages to companies, together with:

  • Instant fee assortment
  • Superior account receivable ratios
  • Diminished billing and assortment bills
  • Enhanced service to your shoppers by offering cost choices
  • Elevated annual earnings, the place permitted by regulation

Imperial PFS® companions with you to supply personalized plans, state-of-the-art know-how and superior customer support to our valued shoppers.


Imperial PFS® gives quite a lot of options that could be personalized to fulfill your wants. Our finance plans embody:

  • Versatile cost choices with no pre-payment penalties
  • Engaging charges and phrases
  • Seasonal billing alternatives
  • Handy funding options

As well as, Imperial PFS® gives a broad vary of income sharing applications the place permitted.


Imperial PFS® is the chief in offering easy-to-use know-how that assists our brokers with their on a regular basis enterprise duties. Imperial PFS® gives bank card/ACH down cost choices to assist save time by gathering your premium finance down funds electronically. As well as, our enhanced eForms supply choices enable brokers to streamline their insurance coverage company operations and scale back waste.

We offer integration with company administration programs, together with these produced by Vertafore and Utilized. Our expert Info Expertise staff also can accommodate customized integrations in sure circumstances.

Our cellular optimized web site and IPFS Join™ cellular app permits customers to create premium financing quotes, make on-line funds, examine account standing, and far more. As well as, as soon as signed into ipfs.com, companies can actively handle their shoppers’ accounts on-line:

  • Coverage quantity updates
  • Print invoices and different notices
  • Confirm funding particulars
  • Observe a mortgage’s standing
  • Make funds on behalf of insured

Imperial PFS® strives to supply probably the most complete know-how package deal within the trade, and we encourage our companions to supply suggestions about what modifications would make their job simpler.

Distinctive Methods to Develop your Enterprise*

Imperial PFS® was constructed on a steady basis of shut relationships with our companions. Via the years, we’ve prolonged our applications and providers to incorporate a plethora of distinctive choices that can assist you develop your enterprise. These embody:

Please click on on every to acquire extra detailed info.
*Please notice that not each program listed above is offered in each state. A program’s availability in a selected state, amongst different issues, is decided based mostly on the relevant regulation of such state.


Imperial PFS® is a nationwide chief in business premium financing. Imperial PFS® is likely one of the high premium financing corporations by way of premium financed and accounts financed.

Imperial PFS® gives quite a lot of options that could be personalized to fulfill your wants. Our finance plans embody:

  • Versatile cost choices with no pre-payment penalties
  • Engaging charges and phrases
  • Seasonal billing alternatives
  • Handy funding options

As well as, Imperial PFS® gives income sharing applications the place permitted by regulation.

Click on here to go to the IPFS web site.

Contact the Albany department at 866-639-1333 if you need to open a business account or for extra particulars on our business merchandise.


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