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...igned for businesses that handle fireworks, explosives, and theatrical special...this program?Ideal accounts include fireworks manufacturers, display operators, special ef...

...tors Equipment and Machinery Fireworks Medical and Diagnostic Equipmen...program?This program is ideal for manufacturers and distributors of products w...

...s, for example: Ammunition or fireworks manufacturing Drug or gas manufac...

Employment Practices Liability Insurance from Midlands Management Corp You don't have to be wrong to be sued. Employers of any size and in any industry face employment-practice exposures that can lead to costly claims. Midlands Management Corp offers a tailored Employment Practices Liability Insurance (EPLI) program designed to help agents place a broad range of accounts and protect employers from employment-related litigation and allegations. Claims may arise from purported wrongful termination, harassment, discrimination, retaliation, the failure to employ or promote employees, and other such allegations. This Employment Practices Liability Insurance program is available for retail, manufacturing, and technology accounts as well as harder-to-place businesses such as contractors, hotels, restaurants, and auto dealers. Coverage is available for both private and public companies. Place your next Employment Practices Liability Insurance risk with Midlands Management Corp to see why we’re a preferred resource for agents and an industry leader in specialty placement. Program Highlights: • Claims-made policy with limits of liability ranging from $250,000 up to $10,000,000 • Duty to defend with the insured retaining the right to assume the defense • Broad definition of insured — includes the company, all employees, and leased employees • Third-party liability coverage available on most accounts • Option for defense costs outside the limit on many smaller accounts • Defense cost sublimit for wage-and-hour type claims available on most small accounts • Policies issued quickly and can be emailed for fast delivery • Risk management program available to help mitigate exposures • Direct access to an experienced, responsive underwriting team with decades of combined experience Definition of insured event includes: • Discrimination • Sexual harassment • Wrongful termination, demotion, or discipline • Failure to hire, promote, fire, or demote • Wrongful infliction of emotional distress • False imprisonment/detention and malicious prosecution • Libel, slander, defamation of character, and invasion of privacy • Competitive pricing • Worldwide coverage Ideal Accounts and Appetite This program fits a wide range of middle-market employers. Typical classes we place include retail stores, manufacturing firms, technology companies, hospitality (hotels and restaurants), contractors, and auto dealers. We routinely consider both private and public entities and can handle accounts that are difficult to place in standard markets. Not a good fit: accounts with ongoing, unresolved class 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.

...t industry risks Explosives or fireworks manufacturers Greenhouses Grain or seed mil...

...tail shops, restaurants, light manufacturers, professional services, childcare...

Policy Highlights for Special Events: Colonial General Insurance Agency, Inc. offers a dedicated Special Events Insurance program that helps agents and brokers place short-term event risks with flexible underwriting and wide coverage options. Whether your client is staging a small neighborhood fundraiser or a large public festival, this program supports tailored Property and Liability solutions on a mono-line or package basis. Ideal Accounts and Appetite This program fits a broad variety of temporary and seasonal events, including: Art and craft shows Bazaars and exhibitions Concerts and dances Festivals and fairs Bicycle and running events Christmas tree lots and pumpkin patches Firework displays and stands Haunted houses Meetings and trade shows Programs are designed for events with moderate to high foot traffic, temporary structures, rented equipment, and food or alcohol service. Coverages can be tailored to include liquor liability and crime exposures when needed. Example scenarios: You have a client running a three-day street festival with food vendors and live music — coverage can include general liability, liquor liability for vendor sales, and inland marine for rented equipment. You represent a nonprofit planning a one-day charity run with temporary road closures and high participant counts — the program can provide high occurrence limits and medical payments coverage to manage participant exposures. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence/Aggregate Liquor liability available for qualifying events Medical payments included—$5,000 limit Excess/Umbrella capacity up to $25,000,000 No deductible required in many cases Property Coverage: Building and contents for temporary structures Business income and equipment breakdown Computer equipment and outside signs Food spoilage and inland marine for transported or rented items Valuable papers and accounts receivable Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value options Crime Coverage: Inside the premises—Theft of money and securities Inside the premises—Robbery or safe burglary of other property Outside the premises coverage for in-transit exposures Underwriting Notes and Market Access Colonial General works with multiple admitted and non-admitted markets to provide flexible placement options. Underwriting emphasizes the specific exposures of each event—attendance, alcohol service, vendor operations, temporary structures, and security plans are key factors. There is no required minimum deductible, and submissions are streamlined for quick quoting and binding. Contact Colonial General to confirm carrier availability and appetite for higher-risk or high-attendance events. Territories and Availability This Special Events program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise with broad market access. Agents benefit from a responsive underwriting team, multiple carrier options (admitted and non-admitted where available), and experience placing complex or nonstandard event risks. Colonial General can help you structure limits and endorsements to match each event’s risk profile and deliver turnkey proposals to your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?Temporary and seasonal events—festivals, fairs, concerts, art shows, haunted houses, and food/beverage events—are a strong fit, including those requiring liquor liability. Can I get liquor liability coverage for events that serve alcohol?Yes. Liquor liability is available for qualifying events where alcohol is served or sold; underwriting will evaluate service method, controls, and vendor operations. Is there a minimum premium requirement for this program?Minimums vary by event type, location, and coverages selected. Reach out to Colonial General for specific underwriting thresholds and quick premium guidance. Which states is this program available in?This Special Events Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. How quickly can coverage be bound for a special event?Colonial General offers a streamlined submission and quoting process for most event risks, enabling fast turnaround on quotes and binding when required documents are provided. Need help placing an account? Connect with a market specialist.