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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.

When you choose Midlands, you choose a partner you can count on. You can rely on our team of experienced professionals to deliver cost-effective, high-quality General Contractors Insurance solutions. Midlands Management Corp is a trusted Managing General Agency and Excess & Surplus Lines Broker specializing in property and casualty products for the construction industry. We support general contractors and construction firms of all sizes with tailored coverage options backed by A.M. Best A-rated or better carriers. We connect you with top-tier carriers to secure the coverages your contractor clients need. Whether your client is a small residential remodeler or a contractor managing large-scale multi-family developments, Midlands offers flexible options to help you protect their operations and win their business. Ideal Accounts and Appetite Our program is designed for a broad range of contractor risks, including: Residential and commercial general contractors Remodelers and repair contractors Construction firms working on multi-family wrap-ups We have access to multiple contractor/construction markets and binding authority, which allows us to place business quickly and efficiently. From new ventures to established firms, we can help you find a fit. Available Coverages Our General Contractors Insurance program offers: • General liability • Builders risk • Commercial buildings • Business personal property • Non-owned auto liability • Identity recovery • Inland marine • Contractors license bonds • Completed operations • Business owner’s policy • Umbrella/Excess liability coverage • Property • Medical expenses • Bodily injury Program Highlights Key benefits include: • Increased limits available • Built-in essential coverages such as additional insured provisions, limited professional liability, and electronic data liability • Customizable options to fit unique contractor needs • Monoline general liability or workers' compensation, or multi-line programs • Streamlined billing and renewal processes Underwriting Notes and Minimum Premiums Our underwriting team brings strong technical knowledge and market access to each submission. We assess risks thoroughly and can accommodate a wide range of operations. Minimum premiums vary depending on account size, location, and coverage lines selected. Territories and Availability Our General Contractors Insurance program is available in most states, including but not limited to: AL, AZ, AR, CA, CO, FL, GA, IL, KS, LA, MO, NC, OK, TX, WA, and many more. We serve clients in 48 states plus DC. Why Work With Midlands Management Corp? Midlands has earned a strong reputation among agents as a go-to source for tough and specialized contractor risks. We offer: Direct access to multiple A-rated carriers Fast, knowledgeable underwriting support Programs built specifically for the construction industry Flexible options for both admitted and non-admitted placements Place your next general contractor account with Midwest to experience responsive service and dependable solutions. Whether you're working on a small commercial remodel or a large-scale project, we’re here to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this program?We target general contractors of all sizes, including residential remodelers, commercial builders, and contractors handling wrap-up projects for multi-family developments. Are monoline policies available, or must I package coverages?We offer both monoline options such as general liability or workers' compensation, and multi-line programs with broader bundled coverage. What states is the program available in?The program is available in 48 states and DC, including major markets like CA, TX, FL, NY, and IL. Contact us to confirm availability in your state. Is this program admitted or non-admitted?Most of our available markets for this program are non-admitted, allowing us to provide flexible solutions for harder-to-place contractor risks. What carrier partners do you work with?We work with multiple A.M. Best A-rated or better carriers to deliver stable, reliable coverage options for your contractor clients. Need help placing an account? Connect with a market specialist.

High Net Worth individuals face complex exposures that require more than a standard homeowners policy. Your most successful clients need tailored protection and attentive service. The Midlands High Net Worth Insurance program is built to meet those demands — offering flexible, elite-level coverage and placement support for high-value homes, autos, watercraft, collections, and excess liability. Comprehensive Coverage for Affluent Clients Midlands provides a premier High Value Homeowners policy that can be written as a monoline homeowners form or packaged with auto, watercraft, excess liability, and private collections. The program is designed to coordinate coverages so your clients receive broad protection under one streamlined placement. Count on Midlands for underwriting expertise and personalized placement assistance. Available Coverages: • Property • Contents • Valuable articles • Loss of use • Personal liability • Equipment breakdown • Earthquake • Auto • Watercraft • Excess liability • Private collections Ideal Accounts and Target Profile This program is intended for high net worth individuals and families who need tailored personal lines solutions. Typical fits include: Primary residences valued at $500,000 or more Luxury properties in Louisiana and Texas starting at $750,000 Coastal homes with minimum values of $1,000,000 Clients with multiple homes, high-end autos, collector vehicles, or valuable art, wine, or other collections You might have a client who owns a $1.5M coastal vacation home, a luxury SUV fleet, and a fine wine collection — Midlands can help you package those exposures into a coordinated program with appropriate limits and endorsements. Program Highlights and Flexibility • Minimum property value $500,000 • Louisiana & Texas minimum property value $750,000 • Coastal minimum property value $1,000,000 • Monoline or packaged policies available • Comprehensive support for high-value homes, autos, watercraft, excess liability, and collections Underwriting Notes and Minimum Premiums Midlands underwriters focus on quality risks with clear valuations and loss prevention measures. Appetite is geared toward well-maintained, documented properties and collections. Minimum property thresholds apply as noted above; premium and program specifics vary by carrier and state. Be prepared to provide detailed schedules for valuables, recent home inspections or surveys where relevant, and loss history for smooth underwriting. Available States and Market Access This program is available in most 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, and WY. Coverage is placed with multiple carriers, and most markets are admitted, which helps with regulatory compliance and client preferences. Why Work With Midlands? As a Managing General Agency and Carrier, Midlands Management Corp brings decades of experience in high net worth personal lines. Working with Midlands gives you: Access to top-rated carriers and multiple market options Underwriters experienced with complex, high-value exposures Dedicated support through placement, endorsements, and policy servicing Flexibility to structure monoline or packaged solutions to fit client needs Midlands helps you deliver the level of protection and service affluent clients expect. For additional program details, refer to the program storefront or connect with a market specialist for placement assistance. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include homes valued at $500,000+, luxury and coastal properties at higher minimums, clients with high-end vehicles, valuable collections, or multiple residences. Can I write just the homeowners policy, or does it have to be a package?You can write a monoline homeowners policy or create a package that includes auto, excess liability, watercraft, and collections coverage depending on the client's needs. What are the minimum property value requirements?Minimums are $500,000 for most areas, $750,000 in Louisiana and Texas, and $1,000,000 for coastal properties. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. See the full state list above for details. What carriers does Midlands work with for this program?Midlands partners with multiple top-rated carriers to provide market access and flexibility for high net worth risks. Need help placing an account? Connect with a market specialist.

Even when your clients take every precaution in product design, manufacturing, and distribution, they could still face costly product liability claims. Bodily injury or property damage caused by a defective product—real or alleged—can result in litigation, financial loss, and reputational harm. Midlands Product Liability insurance is designed to protect manufacturers, distributors, and other businesses involved in the product lifecycle. Whether your client is assembling, installing, modifying, or repackaging products, our program offers tailored coverage for exposures that arise from these value-added services. Midlands Management Corp writes coverage for over 90% of all manufacturing SIC codes, giving you broad access to diverse product classes and industries. Program Highlights • General Liability coverage • Enhanced protection for manufacturers and distributors, including: Limited product withdrawal expense Vendors additional insured (available on a blanket basis) Primary and noncontributory wording (available on a blanket basis) Waiver of subrogation (available on a blanket basis) Worldwide coverage available Employee benefits liability • Hired and non-owned auto liability Target Classes • Will consider most manufacturing and distribution class codes. Submit completed ACORDs for a quote: [email protected] Territories and Availability Midlands offers product liability coverage in a wide range of states, including AL, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI, and WY. Admitted markets are available in select states. Why Work With Midlands Management Corp As a Managing General Agency with deep experience in product-related risks, Midlands Management Corp delivers responsive service, underwriting expertise, and access to competitive markets. Whether you're placing a startup manufacturer or a seasoned distributor with complex risk, Midlands has the tools and flexibility to support your business. You might have a client that imports and re-labels kitchen appliances for distribution in the U.S., or a regional manufacturer that includes installation and modification services—Midlands can help you find the right coverage solutions for these and many other scenarios. Reach out to Midlands today to see how their Product Liability program can support your clients' risk management needs. Frequently Asked Questions What types of accounts are a good fit for this Product Liability program?Midlands is a strong market for most manufacturing and distribution risks, including companies that provide product installation, modification, or repackaging services. Do you require full submissions or can I get an indication?To receive a formal quote, Midlands requires completed ACORD applications. Indications may be available with limited information depending on the risk. Is this coverage available on an admitted basis?Yes, admitted markets are available in select states. Non-admitted options are also offered depending on class and jurisdiction. Can you write accounts with international exposure?Yes, worldwide coverage is available, making this program suitable for clients with international operations or product distribution. How do I submit an account for a quote?Send completed ACORD applications to [email protected] for consideration by Midlands’ underwriting team. Need help placing an account? Connect with a market specialist.

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.

Midlands Management Corp offers a specialized insurance program tailored for small to medium-sized Roofing Contractors operating in both residential and commercial sectors. Whether your client is a full-time roofer, a part-time operation, or a start-up business, our program is designed to accommodate a wide range of risks—including those that are often difficult to place. With competitive rates, broad protection, and exceptional service, Midlands is a preferred partner for agents across the country. Ideal Accounts and Appetite We welcome a variety of artisan contractors, with a strong focus on roofing operations. This includes general roofers as well as contractors involved in related trades. Our appetite includes: • Roofers • Handyman services • Tree pruning • Plumbers • Masonry and concrete • Painting contractors • Landscaping • Janitorial services • Tile, stone, and marble installation • Flooring installers • Land grading • Heating & air contractors • Drywall installers • Fence installation • Residential cleaning • Paperhangers • Electricians • Interior decorators • And more… This program is ideal for agents working with smaller artisan contractors, including those just entering the market or operating on a part-time basis. For example, if you have a client starting a residential roofing business or a handyman expanding into roofing services, this program could be a great fit. Coverage Highlights and Advantages Our Roofing Contractors program offers flexible and comprehensive coverage options to meet the unique needs of each insured. Key features include: • General property • Business personal property • General liability with limits up to $1,000,000/$3,000,000 • Blanket additional insured endorsement • Primary/non-contributory wording and waiver of subrogation • Aggregate limits endorsements • Coverage for prior completed work • Coverage for owned, leased, or rented tools and equipment • Easy billing and renewal options • Admitted and non-admitted markets available Underwriting Notes and Minimum Premium We offer flexible deductible options starting from $500 and aim to provide solutions for accounts that may not fit standard markets. Our minimum premium starts at $550, making this program accessible for smaller operations that still need robust protection. Territories and Availability This program is available in the following states: AL, AZ, AR, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MI, MN, MS, MO, MT, NE, NM, NC, ND, OK, SC, SD, TN, TX, UT, WA, WI, and WY. We offer both admitted and non-admitted options depending on the state and specific risk profile. Why Work With Midlands Management Corp As a trusted Managing General Agency and Carrier, Midlands Management Corp combines underwriting expertise with exceptional service to help agents secure the right coverage for difficult-to-place contractor risks. Our flexible approach, broad appetite, and responsive support make us a reliable resource for agents looking to grow their contractor book of business. Place your next Roofing Contractors risk with us and see why we’re a favorite among agents nationwide. Frequently Asked Questions What types of accounts are a good fit for this Roofing Contractors program?This program is ideal for small to medium-sized roofing contractors, including start-ups, part-time businesses, and artisan contractors in related fields like painting, plumbing, or HVAC. Are start-up or new roofing businesses eligible?Yes, we welcome start-up roofing operations and part-time businesses, provided they meet basic underwriting requirements. What limits and deductibles are available?General liability limits up to $1,000,000 per occurrence/$3,000,000 aggregate are available, with deductibles starting at $500. Is the program admitted or non-admitted?We offer both admitted and non-admitted options depending on the state and risk classification. In which states is this program available?The program is available in 34 states including TX, FL, GA, IL, AZ, and others across the Midwest, South, and West. Need help placing an account? Connect with a market specialist.

...ges. Their underwriting team understands the complexity of wage and hour expos...