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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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IN 2017 ALONE THERE WERE 15,595 DEATHS and 346 mass shootings, and the frequency of these tragic events continues to rise. These attacks have impacted a wide range of industries and involved various types of weapons. The aftermath of such incidents can be devastating—disrupting operations, harming reputations, and putting a business’s future at risk. While these events are unpredictable, your clients can take proactive steps to prepare for and recover from them. Midlands Management Corp's Active Assailant program is designed to provide financial protection and specialized recovery support following a violent incident. Midlands Management Corp offers solutions for Active Shooter/Assailant risks of any size and across all industries. Whether your client is a school, a healthcare facility, or an event venue, this program delivers critical support when it's needed most. You can place accounts with exposures ranging from localized workplace violence to large public-gathering risks. Program Highlights: Legal Liability: Coverage for damages and claim expenses your client becomes legally obligated to pay following an active assailant event. Physical Damage: Indemnity for physical loss or damage to insured property resulting from the incident. Business Interruption: Coverage for loss of income due to physical damage, denial of access, or substantiated threats to the insured location. Crisis Response: Reimbursement for consulting fees and crisis response services related to the incident, including pre-event risk assessments. Broad Definition of Weapon: Includes guns, handheld instruments, explosives, corrosive substances, vehicles, and more. Extra Expense Coverage: Enhanced security measures post-incident Public relations and media management Funeral, burial, and cremation expenses Medical costs for insured individuals present during the event Psychiatric counseling for trauma recovery Forensic clean-up services Repatriation of deceased victims Job retraining for affected personnel Target Classes: 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.

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.

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.

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.