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For more than 35 years, Midlands Management Corp has partnered with agents and brokers to place tailored Occupational Insurance for motor carriers and independent owner/operators. Our underwriting team knows the exposures transportation professionals face and has built a flexible program that meets contractual and regulatory needs while keeping pricing and administration straightforward. Occupational Insurance Program Overview Midlands’ Occupational Insurance program provides accident and disability protection for drivers, couriers, installers, and other transportation-related workers. The coverage is designed to protect employees and independent contractors for occupational and non-occupational incidents, giving carriers and contract drivers support when medical events, disabilities, or accidental losses occur. We support agents with an efficient binding process, practical underwriting guidance, and responsive service through the life of the policy to help you place business quickly and retain clients. Ideal Accounts and Target Classes Our appetite focuses on transportation and service-driven operations that rely on independent drivers or owner/operators: • Couriers • Trucking owner/operators • Cable installers • Fifth-wheel drivers • Trucking contract drivers • Other transportation-related classes considered This program routinely fits last-mile delivery operations and fleets that contract drivers. We also review other similar risks on a case-by-case basis. Core Coverages Included Policyholders receive a broad set of benefits that respond to both work-related and non-work incidents: • Accidental death • Hernia and hemorrhoid benefits • Medical expense reimbursement • Accidental dismemberment • Accident disability income (temporary total & continuous total disability) • Paralysis coverage • 24-hour non-occupational accident coverage Optional Coverages Available Customize limits and scope with several endorsements designed for transportation exposures: • Occupational disease • Advance payments endorsement • Commute coverage • Contingent liability • Pre-existing conditions coverage • Cumulative trauma • Seat belt and air bag benefit • Additional non-occupational accident coverage Program Highlights and Advantages • Streamlined binding and efficient administration for faster placement • Zero deductible options • Competitive low monthly rates • Integrated services included with the program • Coordination with motor carrier workers’ compensation for seamless protection These features help reduce friction for agents and provide insureds with meaningful, contract-compliant protection. Availability and Underwriting This Occupational Insurance program is available in all 50 states and Washington, DC. Midlands evaluates a range of account sizes and risk profiles, offering flexible underwriting and no stated minimum premium. Underwriters consider exposures such as loss history, driver classification, and contractual requirements when quoting. Why Work With Midlands? Midlands Management Corp is a wholesale broker with deep experience in transportation risks and occupational accident insurance. Our team combines underwriting knowledge with practical market access and responsive service, helping you place everything from single owner/operators to fleets of contract drivers. Example scenarios you can place through this program: - A regional courier company that contracts independent drivers who need 24-hour non-occupational accident coverage and optional commute protection. - An owner/operator who requires accident disability income and paralysis coverage to meet a motor carrier’s contractual requirements. Our team of experts is here to help! If you’re interested in learning more or becoming appointed, please contact us today. Frequently Asked Questions What types of accounts are a good fit for this Occupational Insurance program?This program is ideal for trucking owner/operators, couriers, cable installers, and other independent contractors in transportation-related fields. Can this coverage be used alongside a workers' compensation policy?Yes. Our Occupational Insurance can be coordinated with a motor carrier’s workers’ compensation policy to provide complementary protection. Are optional coverages available to customize policies?Yes. We offer endorsements such as occupational disease, contingent liability, and cumulative trauma to address specific client needs. Is there a minimum premium requirement?There is no stated minimum premium—underwriters will consider accounts of varying sizes and offer flexible terms where appropriate. Which states is this program available in?This program is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.

Here at Midlands, we’ve developed a comprehensive Liability Coverage program designed to support agents and brokers seeking coverage solutions for large and national corporate clients across the United States. Overview of the Liability Coverage Program Wherever work is being done, there’s always potential for accidents, errors, or unexpected events that can lead to costly liability exposures. Our Liability Coverage program provides your clients with the protection they need against third-party claims arising from their day-to-day operations. Whether your insured is in hospitality, professional services, construction, or another complex industry, we help you secure coverage that addresses their unique liability risks. Ideal Accounts and Target Industries Midlands has a broad appetite and welcomes a variety of industries. Our program is especially suited for: • Hospitality Corporations • Law Firms and Accounting Practices • Financial and Telecommunications Services • Educational Institutions and Religious Organizations • Real Estate and Property Management Companies • Construction and Janitorial Services • Warehousing, Distributors, and Retail • Employment Agencies and Consultants • Forestry and Other Unusual Risks You may have a client that owns multiple apartment complexes or a regional consulting firm with growing liability exposure—both would be a strong fit for our program. Coverage Highlights and Advantages Our Liability Coverage program offers core protections as well as the ability to customize based on your client’s needs: • Liquor Liability • Property Damage • Defense Costs • Advertising Injury • Bodily Injury • Personal Injury (including slander and libel) • Medical Expenses We also provide access to optional coverages that can enhance your client’s protection, including: • Cyber Liability • Employment Practices Liability (EPLI) • Commercial Auto • Expanded Property Coverage • Workers Compensation • Product Liability and more This program supports flexible structures and can be tailored to meet the needs of various industries and business sizes. Underwriting Details and Program Features We offer TPA services with coverage limits up to $10,000,000+ and flexible payment options to accommodate your insureds’ financial needs. Every submission is subject to underwriting review and approval. Coverage is available for both common and complex risk profiles. Territories and Availability This program is available in all 50 states and Washington, DC: 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. Why Work With Midlands? As a trusted wholesale broker, Midlands specializes in complex and hard-to-place risks. Our team is experienced in developing liability solutions for a wide array of industries, and we understand the challenges agents face when placing multifaceted accounts. Our responsive service, deep market access, and underwriting flexibility make us a strong partner for your general liability and specialty liability placements. Complex is our SPECIALTY! Let us help you place your next liability risk with confidence. *Please note that coverage is subject to policy terms, conditions, exclusions, underwriting review and approval and may not be available for all risks or in all states. Rates, discounts and underwriting rules vary, are determined by many factors, and are subject to change. Frequently Asked Questions What types of accounts are a good fit for the Midlands Liability Coverage program?We have a broad appetite, with strengths in hospitality, professional services, construction, real estate, education, warehousing, and more. We also consider unusual or complex risks. Is the program available nationwide?Yes, our Liability Coverage program is available in all 50 states and Washington, DC. What liability coverages are included?Core coverages include bodily injury, property damage, medical expenses, defense costs, advertising injury, personal injury, and liquor liability. Additional options like cyber and EPLI are available. What are the available coverage limits?We offer limits up to $10,000,000+, depending on the account and underwriting review. Do you offer flexible payment options?Yes, Midlands provides flexible payment options to help accommodate your clients’ financial needs. Need help placing an account? Connect with a market specialist.

Protecting the American Dream is our specialty. Midlands provides tailored, comprehensive insurance solutions for small and mid-sized businesses. This flexible Business Owners Commercial Package Policy lets you mix and match coverages so your clients get a package that meets their unique operations and exposures. Let Midlands’ underwriting team evaluate the risk and deliver a prompt, market-informed quote. Coverage Available: • Commercial auto • General liability • Umbrella/excess • Property • Inland marine • Workers compensation • Liquor liability • More based on type of risk *Please note that coverage is subject to policy terms, conditions, exclusions, underwriting review and approval and may not be available for all risks or in all states. Rates, discounts and underwriting rules vary, are determined by many factors and are subject to change. Program Highlights: • Low minimum premiums • Competitive commissions • New class codes continuously added • Ability to build customized programs to match unique risks and coverage needs • Admitted and non-admitted paper available • Prompt quotes • Superior claims handling, service and benefits coordination • Direct access to a skilled underwriting team with decades of combined experience The Midlands Business Owners Commercial Package Policy is convenient to place and supports more than 600 classes of business. We maintain a broad appetite that includes — but is not limited to — the examples listed below. • Private Schools • Landscaping • Investment Advisors • Health Clubs • Agriculture • Child Care • Gyms • Nonprofits • Charter School • Farm/Ranch • Wholesalers • Distributors • Light Manufacturing • Youth Camps • Day Care Centers • Yoga Studio • Preschools • Asset Managers • Recreation Centers • Museums • Fishing/ Hunting Lodge • Pest Control • Charter Schools • Colleges • Emergency Medical Transportation • Non-emergency Medical Transportation • Trade Schools • Dance Schools • Human Services • Boys & Girls Clubs • Equine Risks • Food Banks • Sports Camps/Clinics • Counseling Services • Show Animal Clubs • Retail • Carpet Cleaning • Fence Installation • Bakery • Electrician • Healthcare • Convenience Store • Barber Shop • Cafe • Clerical • Carpentry • Grocery • Sandwich Shop • Landscaping • Ice Cream/Yogurt Shop • Restaurant • Dentist • Bicycle Shop • Florist • Optometrist • Accountant • Hair Salon • Wholesale • Distribution • Chiropractors • Candy Store • Consulting Firm • Photographers • Doctors • Title Agents • Tailor • Shoe Repair • Physical Therapist • Book Store • Insurance Agents • Orthodontists • Beauty Supply • Interior Decorators • Jewelry Repair • Engravers Your clients have worked hard to build their businesses. Midlands’ Business Owners Commercial Package Policy is designed to exceed expectations and safeguard your clients’ livelihoods. Contact us today for a quote. Ideal Accounts and Appetite Midlands is focused on small to mid-sized commercial risks that need a flexible package solution. This program works well for owner-operated businesses, professional service firms, light manufacturing, retail and food service, childcare and educational operations, nonprofits, and selected habitational and recreational exposures. Accounts with straightforward operations, well-documented loss control, and reasonable payroll/revenue levels are a strong fit. Examples you may see as an agent: A neighborhood bakery with property, general liability and commercial auto exposures looking for an admitted package. A small landscaping company that needs property, inland marine for equipment, and workers’ compensation on a non-admitted placement. Coverage Highlights and Advantages Package flexibility — combine property, liability, auto, workers’ compensation and ancillary coverages to create a tailored program. Access to admitted and non-admitted markets depending on state and risk characteristics. Direct underwriting access — quick responses and the ability to negotiate tailored terms for unique risks. Broad class code appetite with new classes added regularly to meet evolving agent needs. Coordinated claims support and benefits handling to help your insureds return to business faster after a loss. Underwriting Notes and Minimum Premiums Underwriting review and approval apply. Coverage availability and pricing depend on class code, limits, loss history, exposure details and state regulations. Minimum premiums vary by carrier and state — please note the program’s minimum premium guidance is listed as: Varies. For unusual exposures, large limits, or operations with significant loss activity, submit full details for evaluation. Territories and Availability This program is available in the following jurisdictions: 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. Placement options include admitted and non-admitted paper depending on state and carrier appetite; Midlands works across most available markets to find the right fit. Why Work With Midlands Management Corp on This Business Managing General Agency and carrier relationships with multiple markets to maximize placement options. Experienced underwriting team that offers practical, solution-oriented guidance to agents. Competitive commissions and low minimum premium options where available. Prompt quoting and responsive service to keep your submission pipeline moving. Frequently Asked Questions What types of accounts are a good fit for the Midlands Business Owners (BOP) Commercial Package Policy?Small to mid-sized owner-operated businesses such as retail shops, restaurants, light manufacturers, professional services, childcare and community organizations—especially accounts that need a flexible combination of property, liability, auto and workers’ comp coverages. Are admitted and non-admitted placements available?Yes. Midlands places paper on both admitted and non-admitted bases depending on the state, class, and risk characteristics. Underwriters can advise on the best route for each account. What information should I include on submission to get a fast response?Provide a signed application, current loss runs (typically three to five years), revenue/payroll exposure details, and descriptions of operations and risk control measures. For accounts with vehicles or employees, include auto schedules and payroll breakdowns. Need help placing an account? Connect with a market specialist.

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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.

An establishment that sells, serves, or facilitates the purchase of alcohol faces significant liability exposure if a patron causes injury or property damage due to intoxication. In many states, businesses can be held responsible for damages—even on questionable claims. Because standard General Liability policies commonly exclude liquor-related claims, specialized liquor liability protection is essential. Midlands Management Corp offers a dedicated Liquor Liability Insurance program built to help agents place coverage for a wide range of alcohol-selling and alcohol-serving businesses. Whether your client runs a nightclub, restaurant, or liquor store, Midlands can provide tailored solutions that address real-world risks. Program Highlights • Policy limits up to $1,000,000 per occurrence / $2,000,000 aggregate • Assault and battery coverage up to $1,000,000 • Defense costs paid in addition to the policy limit • Additional insured coverage available • No deductible • Special event coverage available (can include liquor liability and general liability) • Premiums based on risk type and annual liquor receipts • Discounts available for documented risk control measures • Fast quote turnaround and efficient policy issuance • Streamlined claims reporting and resolution process Target Classes • Bars and Taverns • Pubs and Cocktail Lounges • Nightclubs and Discotheques • Dance Bars and Adult Entertainment Clubs • Restaurants with alcohol service • Grocery, Convenience, and Liquor Stores • Off-premises alcohol retailers • Banquet Halls and Special Event Venues • Fraternal and Social Clubs • Civic and Private Clubs • Comedy Clubs and Dinner Theaters • Bowling Alleys, Billiards, and Pool Halls • Alcoholic Beverage Distributors Overview — Midlands' Liquor Liability Program Midlands Management Corp is a managing general agency and carrier partner with broad access to multiple markets. This Liquor Liability program is flexible and can be placed in both admitted and non-admitted markets, allowing agents to find solutions for a wide variety of accounts. Midlands combines experienced underwriting with responsive service and quick turnarounds to make placement smooth for brokers. Ideal Accounts and Appetite This program targets standard to moderately complex liquor risks. Strong fits include: - Full-service restaurants and bars with trained staff and documented policies - Nightclubs and live-music venues with security and crowd controls in place - Off-premises sellers such as liquor or convenience stores - Banquet halls and venues offering open bars for events - Distributors and wholesalers with predictable distribution channels Accounts that typically require specialized underwriting (extensive prior losses, unmanaged underage sales, or high-risk adult entertainment without controls) may need additional review and risk mitigation before quoting. Coverage Advantages Midlands’ program focuses on practical coverages agents need: - Defense costs outside the limits for broader protection against litigation expenses - Assault & battery limits to respond to violence-related claims at licensed premises - No deductible on the liquor liability portion for clearer cost expectations - Option to add additional insureds for venues and event partners - Ability to package special event coverage with general liability for one-off exposures Example scenarios: You might have a client who operates a small-town tavern with weekend live music and a documented security plan — Midlands can quote primary liquor liability limits and assault & battery coverage. Or a catering company that provides bar service for weddings can be quoted special event coverage that combines liquor and general liability for a single policy term. Underwriting Notes and Minimum Premiums Underwriting emphasizes documented risk controls: employee training on service laws, incident logs, security procedures, and clear alcohol policies. Premiums are calculated by risk type and annual liquor receipts; minimum premiums vary by state and carrier appetite. Provide recent loss runs, liquor receipts, and descriptions of risk controls for the quickest response. Territories and Availability This program is available in most U.S. 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, WY. Midlands can quote business in nearly every state, making them a solid option for agencies with multi-state clients. Why Work With Midlands Management Corp - Broad market access through multiple carriers and flexible admitted/non-admitted placement options. - Experienced underwriters familiar with hospitality and retail liquor exposures. - Fast turnaround on quotes and policy issuance to help you win and bind business quickly. - Practical appetite for routine to moderately complex accounts, with options for special events and packaging. Get Started Today Don’t leave your clients unprotected. Email us for a quote: [email protected] Midlands also offers commercial package options that can combine Liquor Liability, General Liability, Special Events, and more. Frequently Asked Questions What types of accounts are a good fit for this program?Bars, nightclubs, restaurants, liquor stores, social clubs, and special event venues are all well suited. The program also accommodates distributors and off-premises alcohol retailers. Is special event coverage available?Yes. Midlands offers special event coverage that can include both liquor liability and general liability, ideal for weddings, festivals, and temporary events where alcohol is served. What is the minimum premium for coverage?Minimum premiums vary by state, carrier, and the type of risk. Midlands underwrites based on annual liquor receipts and documented controls; provide receipts and loss history for an accurate quote. Are defense costs included in the policy limit?No. Defense costs are covered in addition to the policy limit, which helps preserve indemnity limits for settlements or judgments. Which states is this program available in?The Liquor Liability program is available in nearly all U.S. states. Contact Midlands for specific state availability and admitted vs. non-admitted options for a given location. 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.

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.