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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...

...sider higher-risk product lines (fireworks, chemicals, firearms and performanc...and What May Not Fit Good fits: manufacturers and distributors with document...

...surance is designed to protect manufacturers, distributors, and other business...overage • Enhanced protection for manufacturers and distributors, including: ...

... are clear tenant exclusions: Fireworks dealers Grain silos Military or...trictions?Yes. We typically exclude fireworks dealers, grain silos, military/d...

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

...ce General Liability Contingent Fireworks Liability Excess / Umbrella Liquor ...that include rides, inflatables, or fireworks Accounts with disciplined maint...

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

...ps, wholesale distributors and manufacturers • Other classes considered on a...ctors, utilities, healthcare, and manufacturers. Groups such as trusts and ass...

Experts in Workers' Compensation, Midlands has assembled an experienced team of underwriters able to deliver the right Workers' Compensation Insurance at competitive rates for small- to medium-sized risks. We understand the complexity of the market and can provide multi-state solutions with flexible payment options and fast turnaround. Program overview Midlands' Workers Compensation Insurance for Small Business is a targeted program designed to protect your clients’ greatest assets — their people and their businesses. The program pairs market access with practical underwriting and loss-control strategies to help reduce payroll volatility and support quick return-to-work outcomes. Program Highlights: • Minimum premiums as low as NCCI minimums • E-Mods accepted from 0.60 to 1.75 • New ventures are considered • Flexible payment plans, including pay-as-you-go options • Ineligible risks include: staffing & PEOs, oil & gas, cranes, roofing, work at heights over two stories, and long-haul trucking • 10% premium discount when Workers' Compensation and a Business Owners Policy (BOP) are written together • Appetite focused on light to moderate risk classes • Program promotes employee safety and return-to-work strategies to help control loss costs In addition to the Workers' Compensation monoline, you can offer clients broader protection by bundling coverages under one policy: • Business Owners Policy (BOP) • Employment Practices Liability (EPL) You can enhance your clients’ coverage and save them money with a 10% discount when both Workers' Compensation Insurance and a BOP policy are bound together. Note: this program is designed for a specific line of target classes (see list below). Target Classes: • Retail • Hotel • Restaurant • Auto Body • Artisan Contractors • Healthcare • Church/School • Barber Shop • Transportation • Auto/Truck Dealer • Clerical • Carpentry • Grocery • Machine Shops • Landscaping • Country Club/Golf • Dry Cleaners • Auto/Truck Repair • Day Care • Florist • Law Office • Light Manufacturing • Other classes considered Typical fits include new or growing small businesses that operate in light- to moderate-exposure industries — for example, a neighborhood restaurant hiring seasonal staff, a landscaping company expanding its crew, or a small day care opening a second location. Those accounts benefit from tailored payroll handling, loss control support, and the option to bundle property and liability with Workers' Comp. Underwriting notes and minimum premium Underwriting focuses on class mix, payroll accuracy, and safety practices. New ventures are reviewed on their operations and controls. Minimum premiums start at NCCI minimums; E-Mod considerations typically range from 0.60 to 1.75. Risks outside the appetite (see Program Highlights) will generally be declined or referred. Territories and admitted status Midlands provides coverage in all available states, including major markets such as CA, TX, FL, and NY, and is positioned to place admitted business where appropriate. Contact Midlands to confirm availability and admitted vs. non-admitted options for a specific state. Why place this business with Midlands? As a Managing General Agency and carrier, Midlands combines access to multiple markets with deep underwriting expertise. Agents get: Dedicated underwriters who understand small-business exposures Fast turnaround and responsive service Flexible payment structures, including pay-as-you-go Bundling opportunities to reduce client premium Let Midlands' underwriters support you in placing small-business Workers' Compensation risks with confidence. For program details or to become appointed, email: [email protected] Our team of experts is here to help! Frequently Asked Questions What types of accounts are a good fit for this Workers' Compensation program?This program fits light- to moderate-risk small businesses such as retailers, restaurants, artisan contractors, healthcare providers, daycare centers, and similar operations. Are new ventures eligible for coverage?Yes. New businesses are considered, subject to underwriting review of operations and safety controls. Which states is this program available in?The program is available in a wide range of states, including CA, TX, FL, GA, IL, and many others. Contact Midlands to confirm availability in a particular state. What coverages can be bundled for additional savings?You can bundle Workers' Compensation with a Business Owners Policy (BOP) and receive a 10% discount when both are bound together. What types of risks are ineligible for this program?Ineligible classes 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.

Wage and Hour lawsuits are increasing rapidly, with claims rising by more than 450% between 2000 and 2015. These claims can result in significant defense costs, settlements, and judgments—often not covered under standard D&O or EPLI policies. Midlands Management Corp offers a Wage and Hour Insurance program designed to help your clients manage these risks effectively. Comprehensive Protection from a Trusted Carrier Midlands’ Wage and Hour Insurance bridges the gap left by traditional employment practices liability coverages. This program is tailored for large employers and offers both indemnity and defense coverage for a broad range of wage and hour-related exposures. Whether claims are brought by individuals or government agencies like the Department of Labor, Midlands can help safeguard your clients’ financial health. Ideal Accounts and Target Industries This program is best suited for companies with 1,000 or more employees. Target industries include: Hotels and hospitality Restaurants and food service Manufacturing High-tech and IT firms Transportation and logistics Healthcare facilities Construction Retail chains If you work with large employers in these sectors, Midlands can be a key partner in helping you place this often hard-to-find coverage. Coverage Highlights and Advantages Indemnity and defense coverage for Wage and Hour claims Broad definition of claims, including those brought by the Department of Labor and private individuals Coverage includes: Misclassification of employees (exempt vs. non-exempt) Failure to pay minimum wage or overtime Unpaid meal and rest breaks Wrongful deductions Improper time recordkeeping Off-the-clock work claims Misclassification of independent contractors Available for both primary and excess placements Policies issued quickly and can be delivered electronically Risk management support available Direct access to a seasoned underwriting team Competitive pricing for qualified risks Underwriting Notes and Minimum Premiums Midlands requires a minimum retention of $100,000, with a higher threshold of $250,000 for California risks. The minimum premium for this coverage starts at $75,000. Strong underwriting support ensures that qualified risks receive timely and knowledgeable service. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, NY, FL, IL, and PA. Midlands can write this coverage on a non-admitted basis through multiple markets, offering flexibility and access to specialized carriers. Why Work With Midlands Management Corp Midlands is a proven carrier with decades of experience in employer liability and specialty coverages. Their underwriting team understands the complexity of wage and hour exposures and is responsive, efficient, and easy to work with. Whether you’re placing a single-location hospitality group or a national retail chain, Midlands offers the expertise and tools to help you secure the right coverage for your clients. If you have a client facing increasing compliance scrutiny or recent audits, now is the time to explore Wage and Hour Insurance through Midlands. Email Midlands today to learn more or request a quote. Frequently Asked Questions What types of accounts are a good fit for this program?Companies with 1,000 or more employees in industries like hospitality, manufacturing, tech, and healthcare are ideal candidates. Are both primary and excess placements available?Yes, Midlands can consider both primary and excess wage and hour coverage opportunities. What is the minimum retention requirement?The minimum retention is $100,000, with a higher requirement of $250,000 for risks in California. Does this policy cover claims made by the Department of Labor?Yes, the definition of “claim” includes actions brought by the Department of Labor as well as individual claimants. How quickly can policies be issued?Policies are issued quickly and can be delivered via email for your convenience. Need help placing an account? Connect with a market specialist.