IMT Insurance Group (Wadena Insurance)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official guidance indicates IMT Insurance/Wadena Insurance is operating through independent agents in a six-state core territory: Iowa, Illinois, Minnesota, Nebraska, South Dakota, and Wisconsin. For Minnesota specifically, IMT has published a business-reset notice stating it is focused on underwriting Commercial Lines casualty products while pausing property-based risks; it also notes additional underwriting revisions for non-habitational property-based opportunities and says certain products remain available through an IMT agent. Operationally, this means Minnesota commercial submissions should be screened as casualty-led opportunities, with property-heavy and especially non-habitational property risks treated as restricted/paused unless an appointed IMT agent confirms current availability. Across the broader business platform, IMT publicly lists Businessowners, General Liability, Commercial Property, Commercial Auto, Workers’ Compensation, Commercial Umbrella, Bonds, Farm Personal Liability, and related specialty coverages, indicating an appetite centered on mainstream small-to-midsize business accounts supported by package, liability, and auto needs. Public product detail confirms commercial property capacity for buildings, business personal property, property of others, business income, ordinance or law, sewer backup, spoilage, peak season, condo-related options, and other standard add-ons where open for writing; commercial auto includes liability, physical damage, UM/UIM, med pay/PIP, additional insured options, business interruption, roadside assistance, and tiered endorsement packages. Submission and distribution guidance is agent-driven: IMT markets and services business through independent agencies, instructs prospects to obtain quotes and report claims through a local IMT independent agent, and does not publish a public standalone broker appetite guide or direct online commercial submission workflow on the verified pages reviewed. Broker/producer takeaway: use an appointed/local IMT independent agent as the submission channel, confirm current state/product availability before quoting, and expect underwriting acceptability to vary by state and by whether the account is casualty-oriented versus property-based, with Minnesota currently subject to the most explicit property restrictions.