Following are answers to
the questions we hear most often about the IPEP program. You
may also have questions about other areas and may find those
answers on one of our other FAQ pages.
What is the average membership term?
The standard IPEP membership term is 12 months.
However, we have many members who have been members for more than
fifteen years, continuously.
Does IPEP have an active risk management program?
Yes! IPEP considers risk management safety to be a
cornerstone of the Program's success. Credentialed Risk
Management Specialists are dedicated to providing the highest level
of safety training and risk management.
How much does coverage cost?
Each applicant to the pool is subject to underwriting
which takes into consideration payroll exposures and past loss
experience. IPEP uses rates filed by the National Council on
Compensation Insurance, Inc. (NCCI).
What are IPEP's payment terms?
In order to cover administration and reinsurance costs, member
contributions to IPEP are due by the coverage effective date.
Do the members of IPEP have protection against
IPEP maintains specific and aggregate excess coverage for
the Plan through EMC Insurance Companies. EMC is an "A" rated
carrier admitted to do business in the State of Indiana.
Does coverage provided to IPEP members include
Yes, IPEP provides the following limits for claims filed
under the Indiana Employers' Liability Act (IC 22-3-9):
Whom should we contact to find out more about IPEP?
Prospective members are urged to contact their local independent
insurance agent. If you are not currently represented by an
independent insurance agent, contact PRU Sales Department at