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... program is ideal for: Retail bakeries Wholesale baking operations Comm...his bakery insurance program?Retail bakeries, wholesale baking operations, com...

...ications. Typical fits include bakeries and packaged baked goods, snack and ...ed classifications—examples include bakeries, snack and confectionery producer...

...Taverns - Delis - Pizzerias - Bakeries - Bodegas - Takeouts - Franchised...tion restaurants, pizzerias, delis, bakeries, takeouts, and neighborhood bars/...

Protecting the American Dream is our specialty. Midlands provides tailored, comprehensive insurance solutions for small and mid-sized businesses. This flexible Business Owners Commercial Package Policy lets you mix and match coverages so your clients get a package that meets their unique operations and exposures. Let Midlands’ underwriting team evaluate the risk and deliver a prompt, market-informed quote. Coverage Available: • Commercial auto • General liability • Umbrella/excess • Property • Inland marine • Workers compensation • Liquor liability • More based on type of risk *Please note that coverage is subject to policy terms, conditions, exclusions, underwriting review and approval and may not be available for all risks or in all states. Rates, discounts and underwriting rules vary, are determined by many factors and are subject to change. Program Highlights: • Low minimum premiums • Competitive commissions • New class codes continuously added • Ability to build customized programs to match unique risks and coverage needs • Admitted and non-admitted paper available • Prompt quotes • Superior claims handling, service and benefits coordination • Direct access to a skilled underwriting team with decades of combined experience The Midlands Business Owners Commercial Package Policy is convenient to place and supports more than 600 classes of business. We maintain a broad appetite that includes — but is not limited to — the examples listed below. • Private Schools • Landscaping • Investment Advisors • Health Clubs • Agriculture • Child Care • Gyms • Nonprofits • Charter School • Farm/Ranch • Wholesalers • Distributors • Light Manufacturing • Youth Camps • Day Care Centers • Yoga Studio • Preschools • Asset Managers • Recreation Centers • Museums • Fishing/ Hunting Lodge • Pest Control • Charter Schools • Colleges • Emergency Medical Transportation • Non-emergency Medical Transportation • Trade Schools • Dance Schools • Human Services • Boys & Girls Clubs • Equine Risks • Food Banks • Sports Camps/Clinics • Counseling Services • Show Animal Clubs • Retail • Carpet Cleaning • Fence Installation • Bakery • Electrician • Healthcare • Convenience Store • Barber Shop • Cafe • Clerical • Carpentry • Grocery • Sandwich Shop • Landscaping • Ice Cream/Yogurt Shop • Restaurant • Dentist • Bicycle Shop • Florist • Optometrist • Accountant • Hair Salon • Wholesale • Distribution • Chiropractors • Candy Store • Consulting Firm • Photographers • Doctors • Title Agents • Tailor • Shoe Repair • Physical Therapist • Book Store • Insurance Agents • Orthodontists • Beauty Supply • Interior Decorators • Jewelry Repair • Engravers Your clients have worked hard to build their businesses. Midlands’ Business Owners Commercial Package Policy is designed to exceed expectations and safeguard your clients’ livelihoods. Contact us today for a quote. Ideal Accounts and Appetite Midlands is focused on small to mid-sized commercial risks that need a flexible package solution. This program works well for owner-operated businesses, professional service firms, light manufacturing, retail and food service, childcare and educational operations, nonprofits, and selected habitational and recreational exposures. Accounts with straightforward operations, well-documented loss control, and reasonable payroll/revenue levels are a strong fit. Examples you may see as an agent: A neighborhood bakery with property, general liability and commercial auto exposures looking for an admitted package. A small landscaping company that needs property, inland marine for equipment, and workers’ compensation on a non-admitted placement. Coverage Highlights and Advantages Package flexibility — combine property, liability, auto, workers’ compensation and ancillary coverages to create a tailored program. Access to admitted and non-admitted markets depending on state and risk characteristics. Direct underwriting access — quick responses and the ability to negotiate tailored terms for unique risks. Broad class code appetite with new classes added regularly to meet evolving agent needs. Coordinated claims support and benefits handling to help your insureds return to business faster after a loss. Underwriting Notes and Minimum Premiums Underwriting review and approval apply. Coverage availability and pricing depend on class code, limits, loss history, exposure details and state regulations. Minimum premiums vary by carrier and state — please note the program’s minimum premium guidance is listed as: Varies. For unusual exposures, large limits, or operations with significant loss activity, submit full details for evaluation. Territories and Availability This program is available in the following jurisdictions: 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, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placement options include admitted and non-admitted paper depending on state and carrier appetite; Midlands works across most available markets to find the right fit. Why Work With Midlands Management Corp on This Business Managing General Agency and carrier relationships with multiple markets to maximize placement options. Experienced underwriting team that offers practical, solution-oriented guidance to agents. Competitive commissions and low minimum premium options where available. Prompt quoting and responsive service to keep your submission pipeline moving. Frequently Asked Questions What types of accounts are a good fit for the Midlands Business Owners (BOP) Commercial Package Policy?Small to mid-sized owner-operated businesses such as retail shops, restaurants, light manufacturers, professional services, childcare and community organizations—especially accounts that need a flexible combination of property, liability, auto and workers’ comp coverages. Are admitted and non-admitted placements available?Yes. Midlands places paper on both admitted and non-admitted bases depending on the state, class, and risk characteristics. Underwriters can advise on the best route for each account. What information should I include on submission to get a fast response?Provide a signed application, current loss runs (typically three to five years), revenue/payroll exposure details, and descriptions of operations and risk control measures. For accounts with vehicles or employees, include auto schedules and payroll breakdowns. Need help placing an account? Connect with a market specialist.

...ions. Target classes include: Bakeries Boot/Shoe Manufacturing Brewerie...

Worldwide Facilities offers Product Recall insurance to help your clients recover from a recall event. We combine technical recall expertise with broad market access to deliver flexible Product Recall solutions for manufacturers, food producers, distributors and other product-bearing businesses. Visit us online for additional information. Overview of the Program from Worldwide Facilities This Product Recall program is aimed at agents and brokers placing accounts exposed to loss from contaminated, tampered, adulterated or otherwise unsafe products. Coverage can respond to first-party recall costs (withdrawal, destruction, replacement), product refusal, adverse publicity, product extortion and related third-party recall liability. Worldwide Facilities underwriters work with multiple carriers to tailor limits, sublimits and endorsements to each client’s needs. Ideal Accounts and Appetite Food and beverage manufacturers, processors and distributors (bakery goods, meat/seafood/poultry, growers) Pharmaceuticals, medical devices and dietary supplements Consumer goods, toys, safety products and non-food manufacturers Component parts manufacturers and distributors serving the automotive and industrial sectors Accounts with documented quality control programs, traceability, written recall response plans and reasonable sales volumes are especially well suited. Placement can accommodate single-plant risks up to multi-plant operations depending on exposures and available markets. Coverage Highlights and Advantages First-party recall cost coverage, including removal, disposal and product replacement Product refusal and government-ordered recall response Third-party recall liability for claims arising from recalled product Options for accidental contamination, malicious tampering, product extortion and adverse publicity/crisis response Sublimits available for forensic accounting and crisis management expenses Ability to add specialized endorsements and enhancements to match client needs Underwriting Notes and Minimum Premiums Underwriters review product type, annual revenue, production processes, supply-chain complexity, quality control measures and any prior recall history. Submissions that include a written recall response plan or HACCP/GMP documentation typically receive more competitive terms. Minimum premiums and specific terms vary by carrier and state—please submit full risk information for a prompt indication. Territories and Availability Admitted status: Most Available States. Program placement is available in the following territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Why Work With Worldwide Facilities on Product Recall Dedicated recall underwriting expertise and access to multiple carrier markets for flexible solutions Deep knowledge of higher-risk product classes including food, pharmaceuticals and consumer goods Responsive quoting and endorsement placement to support emergency or time-sensitive exposures Direct contacts for claims response and forensic cost sublimits to help clients resume business quickly Contact Lori Hunter Executive Vice President (231) 236-4585 [email protected] David Fiske Senior Vice President (312) 465-5305 [email protected] Target Coverages Auto industry component parts Bakery goods Component parts manufacturers Distributors End use products / consumer goods Food-related businesses Furniture & fixtures Growers Manufacturers Meat, seafood & poultry Medical products Non-food manufacturers Pharmaceuticals Processors Safety products Toys & games Vitamins / supplements Coverage Options Intentionally impaired ingredients Product refusal coverage Sublimits for forensic accounting costs Third-party liability Accidental contamination Malicious product tampering Product extortion Government recall Adverse publicity Other specialized enhancements to fit your clients’ needs Frequently Asked Questions What types of accounts are a good fit for this Product Recall program?Food and beverage producers, processors, manufacturers of consumer goods, medical devices, pharmaceuticals, component parts manufacturers and distributors are all within the program’s appetite—especially when the insured has documented quality control, traceability and an established recall response plan. What coverages can I expect to place through Worldwide Facilities?Typical placements include first-party recall costs (withdrawal, destruction, replacement), product refusal, adverse publicity/crisis response, product extortion, accidental contamination and third-party recall liability. Forensic accounting and crisis management sublimits are available as needed. What information does underwriting need to provide a quote?Underwriters typically request product descriptions, annual revenues by product line, production and distribution channels, quality control or HACCP/GMP procedures, recent loss/recall history and any existing recall response plan. A complete submission speeds the quoting process and improves accuracy. How quickly can coverage be quoted or bound?Turnaround depends on the complexity of the risk and carrier requirements. Simple risks with complete submissions can receive indications in days; more complex or high-limit accounts may take longer. Worldwide Facilities can help prioritize submissions for expedited review when an urgent exposure exists. Need help placing an account? Connect with a market specialist.

...Strong fits include: Retail bakeries and specialty food shops Florist...

...ure Movers Food Processing / Bakeries Cold Storage Janitorial / Pr...

... food-service businesses such as bakeries, ice cream shops, fast food, pizza d...

...y available) Limited-service bakeries and catering operations Prime Insur...rants, fast-casual concepts, cafes, bakeries, and small bars/taverns are typic...