fireFollowing 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 catastrophic losses?
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 Employers' Liability?
Yes, IPEP provides the following limits for claims filed under the Indiana Employers' Liability Act (IC 22-3-9):

bodily injury by accident . . . . . . . . . . . $1,000,000 each employee
bodily injury by disease . . . . . . . . . . . $1,000,000 each employee
all bodily injury . . . . . . . . . . . . . . . . . $1,000,000 all employees - aggregate


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 Downey Public Risk Sales Department at 800-382-8837.