Comprehensive Protection from a Trusted Carrier
Midlands’ Wage and Hour Insurance bridges the gap left by traditional employment practices liability coverages. This program is tailored for large employers and offers both indemnity and defense coverage for a broad range of wage and hour-related exposures. Whether claims are brought by individuals or government agencies like the Department of Labor, Midlands can help safeguard your clients’ financial health.
Ideal Accounts and Target Industries
This program is best suited for companies with 1,000 or more employees. Target industries include:
- Hotels and hospitality
- Restaurants and food service
- Manufacturing
- High-tech and IT firms
- Transportation and logistics
- Healthcare facilities
- Construction
- Retail chains
If you work with large employers in these sectors, Midlands can be a key partner in helping you place this often hard-to-find coverage.
Coverage Highlights and Advantages
- Indemnity and defense coverage for Wage and Hour claims
- Broad definition of claims, including those brought by the Department of Labor and private individuals
- Coverage includes:
- Misclassification of employees (exempt vs. non-exempt)
- Failure to pay minimum wage or overtime
- Unpaid meal and rest breaks
- Wrongful deductions
- Improper time recordkeeping
- Off-the-clock work claims
- Misclassification of independent contractors
- Available for both primary and excess placements
- Policies issued quickly and can be delivered electronically
- Risk management support available
- Direct access to a seasoned underwriting team
- Competitive pricing for qualified risks
Underwriting Notes and Minimum Premiums
Midlands requires a minimum retention of $100,000, with a higher threshold of $250,000 for California risks. The minimum premium for this coverage starts at $75,000. Strong underwriting support ensures that qualified risks receive timely and knowledgeable service.
Territories and Availability
This program is available in most U.S. states, including but not limited to CA, TX, NY, FL, IL, and PA. Midlands can write this coverage on a non-admitted basis through multiple markets, offering flexibility and access to specialized carriers.
Why Work With Midlands Management Corp
Midlands is a proven carrier with decades of experience in employer liability and specialty coverages. Their underwriting team understands the complexity of wage and hour exposures and is responsive, efficient, and easy to work with. Whether you’re placing a single-location hospitality group or a national retail chain, Midlands offers the expertise and tools to help you secure the right coverage for your clients.
If you have a client facing increasing compliance scrutiny or recent audits, now is the time to explore Wage and Hour Insurance through Midlands. Email Midlands today to learn more or request a quote.