https://completemarkets.com/company/MidlandsManagementCorp/Business-Owners-BOP-Commercial-Package-Policy/
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.