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Midlands Management Corp
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Midlands Management Corp
Contact Us
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Occupational Insurance

For more than 35 years, Midlands Management Corp has partnered with agents and brokers to place tailored Occupational Insurance for motor carriers and independent owner/operators. Our underwriting team knows the exposures transportation professionals face and has built a flexible program that meets contractual and regulatory needs while keeping pricing and administration straightforward.

Occupational Insurance Program Overview

Midlands’ Occupational Insurance program provides accident and disability protection for drivers, couriers, installers, and other transportation-related workers. The coverage is designed to protect employees and independent contractors for occupational and non-occupational incidents, giving carriers and contract drivers support when medical events, disabilities, or accidental losses occur. We support agents with an efficient binding process, practical underwriting guidance, and responsive service through the life of the policy to help you place business quickly and retain clients.

Ideal Accounts and Target Classes

Our appetite focuses on transportation and service-driven operations that rely on independent drivers or owner/operators: • Couriers
• Trucking owner/operators
• Cable installers
• Fifth-wheel drivers
• Trucking contract drivers
• Other transportation-related classes considered This program routinely fits last-mile delivery operations and fleets that contract drivers. We also review other similar risks on a case-by-case basis.

Core Coverages Included

Policyholders receive a broad set of benefits that respond to both work-related and non-work incidents: • Accidental death
• Hernia and hemorrhoid benefits
• Medical expense reimbursement
• Accidental dismemberment
• Accident disability income (temporary total & continuous total disability)
• Paralysis coverage
• 24-hour non-occupational accident coverage

Optional Coverages Available

Customize limits and scope with several endorsements designed for transportation exposures: • Occupational disease
• Advance payments endorsement
• Commute coverage
• Contingent liability
• Pre-existing conditions coverage
• Cumulative trauma
• Seat belt and air bag benefit
• Additional non-occupational accident coverage

Program Highlights and Advantages

• Streamlined binding and efficient administration for faster placement
• Zero deductible options
• Competitive low monthly rates
• Integrated services included with the program
• Coordination with motor carrier workers’ compensation for seamless protection These features help reduce friction for agents and provide insureds with meaningful, contract-compliant protection.

Availability and Underwriting

This Occupational Insurance program is available in all 50 states and Washington, DC. Midlands evaluates a range of account sizes and risk profiles, offering flexible underwriting and no stated minimum premium. Underwriters consider exposures such as loss history, driver classification, and contractual requirements when quoting.

Why Work With Midlands?

Midlands Management Corp is a wholesale broker with deep experience in transportation risks and occupational accident insurance. Our team combines underwriting knowledge with practical market access and responsive service, helping you place everything from single owner/operators to fleets of contract drivers. Example scenarios you can place through this program: - A regional courier company that contracts independent drivers who need 24-hour non-occupational accident coverage and optional commute protection. - An owner/operator who requires accident disability income and paralysis coverage to meet a motor carrier’s contractual requirements.

Our team of experts is here to help!

If you’re interested in learning more or becoming appointed, please contact us today.

Frequently Asked Questions

What types of accounts are a good fit for this Occupational Insurance program?

This program is ideal for trucking owner/operators, couriers, cable installers, and other independent contractors in transportation-related fields.

Can this coverage be used alongside a workers' compensation policy?

Yes. Our Occupational Insurance can be coordinated with a motor carrier’s workers’ compensation policy to provide complementary protection.

Are optional coverages available to customize policies?

Yes. We offer endorsements such as occupational disease, contingent liability, and cumulative trauma to address specific client needs.

Is there a minimum premium requirement?

There is no stated minimum premium—underwriters will consider accounts of varying sizes and offer flexible terms where appropriate.

Which states is this program available in?

This program is available in all 50 states and Washington, DC.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

3817 Northwest Expressway, 1000
Oklahoma City, OK 73112
800-800-4007
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APPLICATIONS

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Midlands Management Corp has other insurance programs like Active Assailant.