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... of public entities, including: City and County Governments Towns, Villag...his program?This program is ideal for city and county governments, townships, emergency response ...

Distinguished Programs offers a specialized Community Association Package Insurance program designed by real estate insurance veterans. This comprehensive solution is built specifically for community associations, including HOAs, COAs, CO-OPs, and PUDs, with 500 units or fewer. The program combines tailored Property and General Liability coverage with optional enhancements such as D&O, Crime, Umbrella, and Workers’ Compensation — all with a single carrier. Ideal Accounts and Appetite This program is available exclusively to a select group of brokers and is ideal for: Condominium Associations (COAs) Homeowners Associations (HOAs) Cooperatives (CO-OPs) Planned Unit Developments (PUDs) Associations with up to 500 units If you work with self-managed or professionally managed community associations that require specialized protection and streamlined coverage, this program is built for you. Coverage Highlights and Advantages This package includes broad property and liability coverage designed to align with association governance documents — no need to submit CCRs. Key features include: Broad building and insured definitions Many community structures automatically included Guaranteed Replacement Cost valuation Covers defense for third-party breach of contract claims Employee Theft and Loss of Maintenance Fees (Actual Loss Sustained) Pollutant Clean-Up ($50,000) and Water Backup ($100,000) Mental anguish and similar non-physical injuries included under Bodily Injury Special Form coverage and Ordinance or Law coverage (A at full limit, B & C up to 25% / $1M max) Automatic Additional Insureds: by contract and Manager/Lessor of Premises Underwriting Notes A basic All Other Perils (AOP) deductible of $2,500 applies, with other options available. The program is non-admitted and exclusively distributed through a limited number of appointed brokers. If you are not yet appointed, reach out to your sales contact at Distinguished Programs to inquire about access. Territories Available This program is available in the following states: AZ, CA, CO, CT, DE, IL, MD, MA, NV, NH, NJ, OH, OR, PA, VA, and WA. Why Work With Distinguished Programs? As a leading program administrator with deep expertise in real estate risks, Distinguished Programs delivers tailored coverage, underwriting efficiency, and a full suite of association-focused solutions. Their superior claims handling and streamlined submission process help you serve your community association clients with confidence and speed. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for community associations with 500 units or fewer, including HOAs, COAs, CO-OPs, and PUDs. Is this program available nationwide?No, it is currently available in select states including AZ, CA, CO, CT, DE, IL, MD, MA, NV, NH, NJ, OH, OR, PA, VA, and WA. Can I access this program if I'm not currently appointed?Access is limited to select brokers. Contact your sales representative at Distinguished Programs to request appointment or learn more. What documentation is required to submit a risk?This program does not require CCRs for submission, making the process faster and more efficient. What optional coverages can be added to the package?You can enhance the package with Directors & Officers, Crime, Umbrella, and Workers' Compensation coverage. Need help placing an account? Connect with a market specialist.

...is specifically designed for: City, county, and state-owned museums or hi... facilities Whether your client is a city hall displaying regional artwork or...

...nts and Appetite Municipal governments: boroughs, cities, towns, township...

... of Public Entities We Write: City and County Governments Towns, Villages, Boroughs, and...

Wage and Hour lawsuits are increasing rapidly, with claims rising by more than 450% between 2000 and 2015. These claims can result in significant defense costs, settlements, and judgments—often not covered under standard D&O or EPLI policies. Midlands Management Corp offers a Wage and Hour Insurance program designed to help your clients manage these risks effectively. 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. Frequently Asked Questions What types of accounts are a good fit for this program?Companies with 1,000 or more employees in industries like hospitality, manufacturing, tech, and healthcare are ideal candidates. Are both primary and excess placements available?Yes, Midlands can consider both primary and excess wage and hour coverage opportunities. What is the minimum retention requirement?The minimum retention is $100,000, with a higher requirement of $250,000 for risks in California. Does this policy cover claims made by the Department of Labor?Yes, the definition of “claim” includes actions brought by the Department of Labor as well as individual claimants. How quickly can policies be issued?Policies are issued quickly and can be delivered via email for your convenience. Need help placing an account? Connect with a market specialist.

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