https://completemarkets.com/company/MidlandsManagementCorp/Excess-Workers-Compensation/
Catastrophic workplace injuries can produce severe financial exposure. That’s why more brokers and agents rely on Midlands Management Corp for high-limit, dependable Excess Workers’ Compensation solutions. With over 25 years of specialty experience, Midlands operates as a national program administrator focused on comprehensive excess coverage, experienced underwriting, flexible claims handling, and proactive risk management services tailored to large or complex accounts.
Ideal Accounts and Target Industries
Midlands’ Excess Workers’ Compensation program targets businesses and organizations that need protection against high-severity workers’ comp claims. Preferred classes and accounts include:
• Transportation and long-haul trucking
• Public entities, municipalities and special districts
• Utilities, infrastructure and heavy construction
• Auto dealers, general contractors and subcontractors
• Financial institutions, K-12 and higher-education institutions
• Healthcare providers, religious organizations and retail operations
• Agriculture, hospitality and seasonal employers
• Specialty artisans, machine shops, wholesale distributors and manufacturers
• Other classes considered on a case-by-case basis
Coverage Highlights and Advantages
• Minimum premiums: $50,000 for individual accounts; $100,000 for groups (pools, trusts, associations)
• Employer’s Liability limits: Up to $5,000,000
• Aggregate excess coverage available where appropriate
• Minimum specific retentions: Typically $350,000 for two-story risks and long-haul trucking
• Claims management: Works with most TPAs and accommodates self-administration
• Coverage limits: Up to statutory limits in each state
• Flexible premium payment options to fit large placements
Policy Form Highlights
• Broad coverage form included
• Claims expense (ALAE) erodes SIR and policy limits
• Voluntary compensation available for eligible risks
• TRIA included where applicable
• Other-states coverage provided to support multi-state exposures
Risk and Claims Management Services
• Risk Management: Midlands combines clinical and data-driven resources to reduce claim frequency and severity. Services include tailored training, loss analysis, site hazard assessments and structured accident investigation.
• Claims Management: Focused on best outcomes for catastrophic and complex claims, coordinating early nurse triage, vocational services and litigation strategies when needed.
Territories and Carrier Access
Midlands writes business across the U.S., including 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, and WY.
This is a non-admitted program with access to multiple carriers, allowing Midlands to structure flexible solutions for complex or higher-risk placements.
Underwriting Notes and Minimums
• Minimum premium thresholds apply: expect $50,000 for single accounts and $100,000 for groups.
• Typical acceptable loss histories and exposure controls are required; high-frequency, poorly controlled risks may be declined or require significant retentions.
• Midlands evaluates payroll segmentation, experience modification, safety programs and claims administration when considering placement.
Why Place Excess Workers’ Compensation with Midlands Management Corp?
Midlands is a program administrator with deep specialty knowledge in excess workers’ compensation. Agents benefit from responsive underwriting, strong carrier relationships across non-admitted markets, and integrated risk/claims services that help protect clients from catastrophic losses. Whether you’re placing a complex trucking account with high retention or a public entity seeking pooled excess coverage, Midlands offers the tools and expertise to structure practical solutions.
Frequently Asked Questions
What types of accounts are a good fit for this Excess Workers’ Compensation program?Ideal accounts include transportation fleets, public entities, contractors, utilities, healthcare, and manufacturers. Groups such as trusts and associations are also eligible.
What are the minimum premium requirements?Minimum premiums start at $50,000 for individual accounts and $100,000 for group risks including pools, trusts, and associations.
Does Midlands work with third-party administrators for claims handling?Yes. Midlands can work with most TPAs and also supports self-administration where appropriate.
Is this program available on an admitted basis?No. This program is provided on a non-admitted basis through multiple carriers.
What states is this program available in?This program is available in most U.S. states, including California, Texas, Florida and New York, as well as the other states listed above.
Need help placing an account? Connect with a market specialist.