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We pay above average commissions with no fees! All Insurance Underwriters, Inc. (AIU) offers a competitive and flexible Staffing Workers Compensation Insurance Program designed specifically for staffing agencies across the country. Whether your client operates a small temp medical staffing firm or a large, hard-to-place staffing operation with high experience mods, AIU provides solutions that help you place challenging risks with confidence. Overview of the Program From AIU We’ve partnered with an A Rated Nationwide Carrier to deliver a robust workers' compensation program tailored to the unique needs of staffing companies. Our program supports a wide range of class codes and offers flexible payment plans, including guaranteed cost and high deductible options. With pay-as-you-go and regular installment plans available, your clients benefit from cash flow-friendly solutions and strong risk management support. Ideal Accounts and Appetite AIU is actively seeking a variety of staffing risks, including but not limited to: Temporary medical staffing companies (minimum premium $7,500) General temporary staffing firms New ventures in the staffing industry High-mod and hard-to-place accounts We understand the complexities of staffing business models and welcome submissions that may have been declined elsewhere due to claims history, class codes, or size. Coverage Highlights and Advantages Access to an A Rated Nationwide Carrier Guaranteed cost and high deductible options Monoline workers compensation coverage Pay-as-you-go and other premium payment options Worldwide coverage available Support for USL&H exposures Fast turnaround on quotes No maximum premium limits Strong claims handling support We also write hard-to-place class codes and provide solutions for accounts with premiums starting at $75,000 and up. Underwriting Notes and Submission Requirements To streamline the underwriting process, please provide the following: Completed ACORD 130 application Currently valued loss runs (within 90 days of the effective date) – 4 to 5 years depending on carrier Details of any losses over $25,000 Experience modification worksheet Supplemental application (required for staffing) Territories and Availability Available in all 48 contiguous U.S. states including CA, TX, FL, NY, IL, GA, and many others. This program provides national coverage options through a variety of carrier partners. Why Work With All Insurance Underwriters? As a Managing General Underwriter (MGU), AIU delivers deep expertise in workers compensation and staffing-related risks. Our common-sense approach to underwriting, combined with a responsive team and commission-friendly structure, makes us a reliable partner for agents and brokers nationwide. We work in a fast-paced yet enjoyable environment that prioritizes results and relationships. In addition to staffing, we also offer programs for contractors, home healthcare, trucking, restaurants, oil & gas, roofing, and more—with options for both small and high deductible plans. Click on our AIU Partner Agreement or call today to speak with one of our appointment specialists. Let AIU be your go-to market for staffing workers compensation insurance placements. Frequently Asked Questions What types of staffing companies are eligible for this program?The program accepts a wide range of staffing businesses, including temporary, medical, and hard-to-place staffing agencies. New ventures are also welcome. What is the minimum premium for this program?Minimum premiums vary by class and account size, but most staffing accounts start at $75,000. Temporary medical staffing may begin at $7,500. Are high-mod or loss-heavy accounts considered?Yes, AIU specializes in placing high-mod and challenging accounts. Loss history details and supplemental applications are required for underwriting. Which states is this program available in?This program is available in all 48 contiguous U.S. states, including CA, TX, FL, NY, and IL. What documents are needed to submit an account?Submissions should include a completed ACORD 130, current loss runs (4–5 years), supplemental application, ex-mod worksheet, and details on large losses. Need help placing an account? Connect with a market specialist.

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.