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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.

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.

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.

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