Search CompleteMarkets

... focused on light to moderate risk an class='cm-highlight'>classan>es • Program promotes employee safety ...neligible for this program?Ineligible an class='cm-highlight'>classan>es include staffing & PEOs, oil & gas operations, crane operations, roofing and work above two stories, and long-haul trucking. Need help placing an account? Connect with a market specialist.

...s, for example: Ammunition or an an class='cm-highlight'>classan>='cm-highlight'>fireworksan> manufacturing Drug or gas manufac...and ordinance coverage. Are there any an class='cm-highlight'>classan>es of business that are excluded?Yes. Operations such as ammunition manufacturing, drug or gas production, certain industrial processing, nursing homes, and penal institutions are not eligible. Is this program available outside of Florida?No. This program is currently available only for properties located in Florida and is placed on a non-admitted basis through various carriers. Need help placing an account? Connect with a market specialist.

... • Competitive commissions • New an class='cm-highlight'>classan> codes continuously added • Ability t...dmitted bases depending on the state, an class='cm-highlight'>classan>, 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.

...ty workers’ comp claims. Preferred an class='cm-highlight'>classan>es and accounts include: • Transport...tributors and manufacturers • Other an class='cm-highlight'>classan>es 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.

...f middle-market employers. Typical an class='cm-highlight'>classan>es we place include retail stores, man...it: accounts with ongoing, unresolved an class='cm-highlight'>classan> action wage-and-hour litigation or companies with repeated, severe prior EPL losses unless specifically referred to underwriting. Coverage Advantages and Underwriting Strengths Flexible limits from $250K to $10M to match the exposure and budget of your client. Third-party coverage and favorable defense-cost options provide competitive layouts for smaller accounts. Fast policy issuance and electronic delivery reduce placement friction and improve turnaround for your clients. Access to a risk management program and an underwriting team that offers practical placement guidance and loss-control resources. Underwriting Notes and Minimum Premiums Underwriting looks at claim history, HR practices, employee counts, revenue, and industry-specific exposures. Wage-and-hour exposures are handled with care and may carry separate sublimits on smaller accounts. Minimum premium varies by risk and market — please submit full details for an accurate quote. Territories and Availability Most Available Markets. This program is available in the following jurisdictions: 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. Availability and admitted status can vary by state and carrier — contact underwriting for state-specific placement guidance. Why Work with Midlands Management Corp As a Managing General Agency and excess & surplus lines broker with access to multiple markets, Midlands Management Corp combines market breadth with specialty underwriting. Agents benefit from prompt responses, competitive terms for harder-to-place accounts, and direct access to underwriters who understand employment-practice exposures. Whether you need admitted or non-admitted capacity (depending on state and carrier), we can help find the right placement. Example fits: You might have a growing retail chain with 75 employees that needs higher limits and third-party coverage, or a small contractor worried about harassment and wrongful termination claims following rapid hiring. Both scenarios are the types of risks we place routinely. Please reach out today to see how our Employment Practices Liability Insurance program can meet the needs of your clients. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Midlands Management Corp places retail, manufacturing, technology, hospitality, contractors, and auto dealers across private and public companies. Middle-market employers and harder-to-place businesses are a primary appetite. Are wage-and-hour claims covered and how are defense costs handled?Wage-and-hour type claims are considered; smaller accounts often receive a defense-cost sublimit specifically for these claims. On many accounts, defense costs can be provided outside the limit — availability depends on the carrier and account profile. What information should I include in a submission?Include employee count, revenue, prior EPL claims history, HR policies, recent hires/terminations, and any pending employment-related litigation. Complete documentation helps underwriters provide quicker, more accurate terms. Which states do you write in and is this admitted coverage?This program is available in the states listed on the storefront (AL through WY and DC). Placement (admitted vs. non-admitted) depends on the carrier and state; contact underwriting for state-specific options. How quickly can policies be issued?Policies can often be issued quickly and emailed for fast delivery. Speed depends on the completeness of the submission and any required underwriting review. Need help placing an account? Connect with a market specialist.

...sider higher-risk product lines (an an class='cm-highlight'>classan>='cm-highlight'>fireworksan>, chemicals, firearms and performanc...s at $1,500; final minimums depend on an class='cm-highlight'>classan>, limits and carrier selection. Need help placing an account? Connect with a market specialist.

...t industry risks Explosives or an an class='cm-highlight'>classan>='cm-highlight'>fireworksan> manufacturers Greenhouses Grain or seed milling operations Vacant properties Properties with less than 80% occupancy Coverage Highlights and Program Advantages The program offers broad property coverage through Lloyd’s, giving you access to a globally recognized market with the flexibility to handle complex or high-value risks. IPMG brings deep underwriting expertise and a hands-on approach to structuring coverage for large-scale property accounts, helping you deliver value to your clients while managing risk effectively. Underwriting Notes and Minimum Premium To qualify for this program, properties must meet underwriting criteria including occupancy requirements and acceptable construction standards. The minimum premium for this program is $10,000, making it well-suited for high-value property schedules and larger commercial entities. Territories and Availability Currently, the Large Property Insurance Program is available in Illinois and Missouri. Coverage is offered on a non-admitted basis, with admitted options available in some states depending on the risk and carrier approvals. Why Work With IPMG? Insurance Program Managers Group (IPMG) is a trusted partner for agents and brokers placing complex commercial risks. With access to Lloyd’s and other specialty markets, IPMG combines underwriting expert...sive service. Whether you're working on a large municipality account or a commercial property portfolio, IPMG helps streamline the placement process from quote to bind. Give us a call to learn more about placing your large property accounts through IPMG’s specialized program. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include municipalities, office buildings, hospitals, educational facilities, hotels, and large retail locations with total insured values between $25 million and $250 million. Are there any occupancy requirements?Yes, properties must maintain at least 80% occupancy to be eligible for this program. What is the minimum premium for this program?The minimum premium starts at $10,000, making it suitable for large-scale property risks. Is the program available on an admitted basis?Coverage is primarily offered on a non-admitted basis, with admitted options available in some states depending on the risk profile. Which states is this program currently available in?This program is currently available in Illinois and Missouri. Need help placing an account? Connect with a market specialist.

...0. Each submission is reviewed for an class='cm-highlight'>classan> fit, event size, duration, and potential exposures such as alcohol service, pyrotechnics, or crowd control. We welcome agents to reach out with unique risks for consideration. Territories and Availability This program is currently available in the following New England states: Connecticut (CT) Maine (ME) Massachusetts (MA) New Hampshire (NH) Rhode Island (RI) Vermont (VT) Why Work With The Distel Group? Joseph Distel & Co. Inc. brings decades of experience in the E&S marketplace, with a strong reputation for responsiveness and deep market access. We understand the unique exposures associated with special events and work closely with retail agents to design coverage that aligns with each client's needs and risk profile. Whether you're placing coverage for a local fall festival or a regional concert series, The Distel Group can help you deliver value and peace of mind to your insureds with fast, reliable service and competitive options. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for seasonal or short-term events such as festivals, concerts, fairs, haunted houses, and races—especially those involving crowds, vendors, or temporary setups. Is Liquor Liability available under this program?Yes, Liquor Liability is available for qualifying events where alcohol is served or sold, subject to underwriting review. Are there minimum premiums I should be aware of?Yes, the minimum premium for this program starts at $750, but actual premiums will vary based on event type, duration, size, and exposures. Can I submit unique or unusual events for consideration?Absolutely. We encourage agents to submit non-standard or creative event risks. Our access to E&S markets allows for flexible underwriting on unique accounts. Which states is this program available in?This program is currently available in CT, ME, MA, NH, RI, and VT. Need help placing an account? Connect with a market specialist. ...