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...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.

...le Operations Alcohol sales an an class='cm-highlight'>classan>='cm-highlight'>Fireworksan> or haunted attractions Mechanical...is available for many eligible vendor an class='cm-highlight'>classan>es. Some operations may only qualify for general liability without product coverage—check eligibility during quoting. What are the minimum premium requirements?Minimum premiums vary by operation, exposure, and duration. Use the online quoting system or contact underwriting for an accurate minimum for a given account. Are certificates of insurance available instantly?Yes. Once coverage is bound, certificates can typically be generated within minutes at no extra charge. Which states is this program available in?This program is available in all 50 states and Washington, D.C. 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.

...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.

...ng and resolution process Target an class='cm-highlight'>Classan>es • Bars and Taverns • Pubs and Cocktail Lounges • Nightclubs and Discotheques • Dance Bars and Adult Entertainment Clubs • Restaurants with alcohol service • Grocery, Convenience, and Liquor Stores • Off-premises alcohol retailers • Banquet Halls and Special Event Venues • Fraternal and Social Clubs • Civic and Private Clubs • Comedy Clubs and Dinner Theaters • Bowling Alleys, Billiards, and Pool Halls • Alcoholic Beverage Distributors Overview — Midlands' Liquor Liability Program Midlands Management Corp is a managing general agency and carrier partner with broad access to multiple markets. This Liquor Liability program is flexible and can be placed in both admitted and non-admitted markets, allowing agents to find solutions for a wide variety of accounts. Midlands combines experienced underwriting with responsive service and quick turnarounds to make placement smooth for brokers. Ideal Accounts and Appetite This program targets standard to moderately complex liquor risks. Strong fits include: - Full-service restaurants and bars with trained staff and documented policies - Nightclubs and live-music venues with security and crowd controls in place - Off-premises sellers such as liquor or convenience stores - Banquet halls and venues offering open bars for events - Distributors and wholesalers with predictable distribution channels Accounts that typically require specialized underwriting (extensive prior losses, unmanaged underage sales, or high-risk adult entertainment without controls) may need additional review and risk mitigation before quoting. Coverage Advantages Midlands’ program focuses on practical coverages agents need: - Defense costs outside the limits for broader protection against litigation expenses - Assault & battery limits to respond to violence-related claims at licensed premises - No deductible on the liquor liability portion for clearer cost expectations - Option to add additional insureds for venues and event partners - Ability to package special event coverage with general liability for one-off exposures Example scenarios: You might have a client who operates a small-town tavern with weekend live music and a documented security plan — Midlands can quote primary liquor liability limits and assault & battery coverage. Or a catering company that provides bar service for weddings can be quoted special event coverage that combines liquor and general liability for a single policy term. Underwriting Notes and Minimum Premiums Underwriting emphasizes documented risk controls: employee training on service laws, incident logs, security procedures, and clear alcohol policies. Premiums are calculated by risk type and annual liquor receipts; minimum premiums vary by state and carrier appetite. Provide recent loss runs, liquor receipts, and descriptions of risk controls for the quickest response. Territories and Availability This program is available in most U.S. states, 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, WY. Midlands can quote business in nearly every state, making them a solid option for agencies with multi-state clients. Why Work With Midlands Management Corp - Broad market access through multiple carriers and flexible admitted/non-admitted placement options. - Experienced underwriters familiar with hospitality and retail liquor exposures. - Fast turnaround on quotes and policy issuance to help you win and bind business quickly. - Practical appetite for routine to moderately complex accounts, with options for special events and packaging. Get Started Today Don’t leave your clients unprotected. Email us for a quote: mwilson@midman.com Midlands also offers commercial package options that can combine Liquor Liability, General Liability, Special Events, and more. Frequently Asked Questions What types of accounts are a good fit for this program?Bars, nightclubs, restaurants, liquor stores, social clubs, and special event venues are all well suited. The program also accommodates distributors and off-premises alcohol retailers. Is special event coverage available?Yes. Midlands offers special event coverage that can include both liquor liability and general liability, ideal for weddings, festivals, and temporary events where alcohol is served. What is the minimum premium for coverage?Minimum premiums vary by state, carrier, and the type of risk. Midlands underwrites based on annual liquor receipts and documented controls; provide receipts and loss history for an accurate quote. Are defense costs included in the policy limit?No. Defense costs are covered in addition to the policy limit, which helps...s for settlements or judgments. Which states is this program available in?The Liquor Liability program is available in nearly all U.S. states. Contact Midlands for specific state availability and admitted vs. non-admitted options for a given location. Need help placing an account? Connect with a market specialist.

...ffected personnel Target an class='cm-highlight'>Classan>es: Schools and educational institutions Public transit systems Shopping malls and retail centers Hotels, resorts, and hospitality businesses Hospitals and healthcare facilities Residential housing complexes Special events and festivals Stadiums, arenas, and large venues And more... Underwriting Notes and Minimum Premiums Midlands places business with multiple markets and tailors terms to the account’s size, industry, and risk profile. Minimum premiums vary by exposure and geography—the program is flexible and accepts submissions of many sizes, including complex or unusual risks. Typical underwriting focuses on location characteristics, crowd density, existing security measures, emergency response planning, and history of violence or threats. Appetite and common restrictions: Good fit: entities with public access, large gatherings, or heightened workplace violence exposure. Requires detailed submission for high-capacity venues, schools, and healthcare campuses. May decline or require enhancements for accounts without basic emergency plans or reasonable security controls. Territories and Availability This program is available in most U.S. states. Admitted options are available in select states. Available territories include: 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. Contact Midlands to confirm admitted status and state-specific availability for a particular account. Why Work With Midlands Management Corp? As a specialized Managing General Agency, Midlands Management Corp combines deep underwriting experience with access to multiple carrier partners. Agents gain: Flexible placement options across admitted and non-admitted markets Responsive underwriting for time-sensitive submissions Access to crisis-response resources and pre-event consulting Experience with high-profile and high-severity exposures If you’re placing clients concerned about workplace violence, public safety, or risks associated with mass gatherings, Midlands can help structure a tailored package to protect operations, people, and reputation. Example accounts that fit this program A midsize suburban high school seeking combined physical damage, liability, and trauma counseling coverage after a recent threat assessment identified vulnerabilities. An urban concert venue with frequent large events needing extra expense coverage for enhanced security and public relations support after an incident. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for schools, healthcare facilities, hospitality businesses, event venues, public transit systems, and other organizations exposed to large public gatherings or workplace violence risks. Is this coverage available on an admitted basis?Admitted policies are available in some states. Availability depends on the state and specific account details. Contact Midlands for more information. What is the minimum premium for this program?Minimum premiums vary based on the type of risk, location, and scope of coverage. Midlands welcomes a broad range of account sizes. What does the program cover beyond physical damage?In addition to property and liability coverage, the program includes crisis response, public relations, counseling, medical expenses, funeral costs, and more. Can Midlands help with risk assessment and prevention?Yes, the program includes access to pre-event consulting and risk assessments to help clients identify vulnerabilities and prepare proactively. 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. ...