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Midlands Management Corp
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Midlands Management Corp
Contact Us
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Artisan Contractors

For tradesmen and tradeswomen, this general liability program is specifically designed for the artisans who have devoted their careers to perfecting their craft.

Midlands Management Corp entertains small- to medium-sized Artisan Contractors in both commercial and residential spaces. Start-ups and part-time operations are eligible, and the program is often able to place classes that are difficult to place elsewhere. Broad coverage, competitive rates, and responsive service define this general liability offering.

Place your next Artisan Contractors risk with Midlands Management Corp to see why agents rely on this program for hard-to-place accounts and straightforward, well-priced limits. Below is a summary of highlights and typical appetite to help you determine fit quickly.

Program Highlights: • General property
• Business personal property
• General liability Extensive coverage options to allow for customization: • Blanket additional insured endorsement available
• Primary/non-contributory wording and waiver of subrogation offered
• Aggregate limits endorsements
• Prior completed work coverage
• Owned, leased or rented tools & equipment options
• Up to $1,000,000/$3,000,000 in general liability limits
• Minimum premium $550
• Deductibles from $500
• Easy billing & renewal options
• Admitted & non-admitted availability Target Classes: • Roofers
• Handyman
• Tree pruning
• Plumbers
• Masonry
• Painters
• Landscapers
• Janitorial
• Tile/stone/marble installers
• Flooring contractors
• Land grading
• Heating & air technicians
• Dry wall
• Fence contractors
• Residential cleaning
• Paperhanging
• Electricians
• Interior decorators
• More... Please reach out to us today to see how our Artisan Contractors program can meet the needs of your clients.

Ideal Accounts and Appetite

Midlands Management Corp focuses on small- to medium-sized artisan contractors where operations are straightforward and exposures are well-documented. The program is well-suited for: - Owner-operated or small crew businesses with mixed commercial and residential work. - Start-ups and part-time operations seeking primary liability and property options. - Accounts requiring admitted or surplus lines solutions, including many classes that can be tough to place in standard markets. Typical restrictions: large general contractors, long-term residential construction projects exceeding program size limits, high-hazard specialty trades with significant inland marine needs, or accounts with recent severe losses may require referral to other markets.

Coverage Highlights and Advantages

Midlands combines broad G.L. wording with flexible endorsements to meet certificate and contract demands. Notable strengths: - Blanket additional insured and primary/non-contributory endorsements to satisfy upstream contractors and GC requirements. - Options for prior completed work and owned/rented tool coverage that address common artisan exposures. - Limits up to $1M per occurrence / $3M aggregate and multiple deductible options to align pricing with risk appetite. - Both admitted and non-admitted placements available in most markets to maximize capacity and fit.

Underwriting Notes and Minimum Premiums

Underwriters will focus on operations, payroll/subcontractor use, loss history, and scope of work. Submit clear descriptions of work performed, typical job sizes, and any safety or training controls in place. Minimum premium and deductible guidelines: - Minimum premium: $550 (varies by state and carrier) - Deductibles: typically start at $500 - Limits: up to $1,000,000 / $3,000,000 Providing photos of operations or completed work, a list of routine subcontractors, and current loss runs speeds appetite decisions.

Territories and Availability

This program is available in most U.S. states and territories handled by Midlands Management Corp. Representative availability: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted and non-admitted options are available in many of these states; appetite and specific terms depend on carrier and state regulations.

Why Work With Midlands Management Corp on Artisan Contractors

Midlands combines program underwriting expertise with access to multiple carrier markets, giving agents flexibility when placing artisan accounts. Key benefits: - Dedicated underwriting for artisan trades with practical, contract-friendly endorsements. - Competitive limits and flexible placement (admitted & surplus) to solve difficult fits. - Streamlined billing and renewal options that reduce administrative friction for producers and insureds. Example fits: - You might have a two-person residential roofing and guttering operation that needs $1M GL and limited equipment coverage—this program can offer tailored limits and endorsements. - A small plumbing contractor doing both service and light repair work who requires blanket additional insured on GC contracts can often be accommodated.

Frequently Asked Questions

What types of accounts are a good fit for Midlands’ Artisan Contractors program?

Small- to medium-sized artisan contractors in commercial and residential work are the primary fit—owner-operated trades, service contractors, and start-ups are commonly placed. The program also accepts many classes that are difficult to place in standard markets.

What coverage and limits can I offer through this program?

Standard offerings include general liability, general property, and business personal property. Limits are available up to $1,000,000 per occurrence / $3,000,000 aggregate, with deductibles starting around $500. Optional endorsements include blanket additional insured, primary/non-contributory wording, waiver of subrogation, prior completed work, and tools & equipment coverage.

What submission information do underwriters typically need?

Provide an ACORD application, current loss runs, payroll or gross receipts by class, a description of operations and typical job size, details on subcontractor use, and any safety or training programs. Photos of work or operations help speed review for harder-to-place classes.

Where is the program available and are admitted placements possible?

The program is available in most U.S. states listed above and offers both admitted and non-admitted placement options depending on the state and carrier. Appetite and specific terms should be confirmed with Midlands underwriters for each submission.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Most Available Markets
  • Carriers:
  • Carrier Ratings:
    A or better
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

5050 Quorum Drive, Suite 400
Dallas, TX 75254
972-588-2000
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Midlands Management Corp has other insurance programs like Active Assailant.