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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.

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Catastrophic workplace injuries can produce severe financial exposure. That’s why more brokers and agents rely on Midlands Management Corp for high-limit, dependable Excess Workers’ Compensation solutions. With over 25 years of specialty experience, Midlands operates as a national program administrator focused on comprehensive excess coverage, experienced underwriting, flexible claims handling, and proactive risk management services tailored to large or complex accounts. Ideal Accounts and Target Industries Midlands’ Excess Workers’ Compensation program targets businesses and organizations that need protection against high-severity workers’ comp claims. Preferred classes and accounts include: • Transportation and long-haul trucking • Public entities, municipalities and special districts • Utilities, infrastructure and heavy construction • Auto dealers, general contractors and subcontractors • Financial institutions, K-12 and higher-education institutions • Healthcare providers, religious organizations and retail operations • Agriculture, hospitality and seasonal employers • Specialty artisans, machine shops, wholesale distributors and manufacturers • Other classes 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.

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Midlands specializes in Wind Hail Deductible Buybacks across Texas, Oklahoma, Kansas, Louisiana, and Missouri. This program is designed to help reduce the out-of-pocket exposure your insureds face from high wind and hail deductibles—especially in Tier 1 and CAT-prone areas. With access to a strong network of carriers, responsive underwriting, and competitive rates, Midlands Management Corp makes placing Wind Hail Deductible Buybacks both simple and efficient. Our deep experience in the central and southern U.S. wind market allows us to offer solutions tailored to the unique needs of property owners in these high-exposure regions. Whether you're working with multifamily complexes, retail centers, or industrial buildings, our Wind Hail Deductible Buyback program can be the key to helping your clients better manage their risk and protect their bottom line. Program Highlights: • Low fees • Fast turnaround times • Available for Tier 1 and non-CAT wind zones • Overlying wind coverage must be in place • $2,000 minimum premium • Low retentions available • Retail agents only • 10% commissions • Quote requirements: Completed ACORD 125, Statement of Values (with year built, roof age/type), 3 years loss history, overlying property policy terms, requested WHDBB limit Place your next Wind Hail Deductible Buyback risk with Midlands and find out why we’re a top choice among independent agents seeking smart deductible solutions for their clients in wind-exposed areas. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for commercial property owners in wind-prone areas, including multifamily, retail, hospitality, and industrial risks with high wind/hail deductibles. Which states is this program available in?The Wind Hail Deductible Buyback program is currently available in Texas, Oklahoma, Kansas, Louisiana, and Missouri. Is this program available only for Tier 1 areas?No, the program is available for both Tier 1 coastal zones and non-CAT inland wind exposures, as long as overlying wind coverage is in place. What is the minimum premium requirement for this program?The minimum premium for this program is $2,000. Can surplus lines brokers access this program?No, this program is designed for retail agents only. Need help placing an account? Connect with a market specialist.