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Expertise. Solution. Service. Home-Based Business Insurance Program from MAXIMUM MAXIMUM offers a focused insurance solution built for home-based businesses. As a wholesale broker with broad market access, MAXIMUM gives independent agents and brokers flexible options and competitive placement capability for this growing segment of small business. Whether you represent a freelance graphic designer, an online product seller, or a home-based consultant, MAXIMUM’s Home-based Businesses program is designed to address the common liability, property, and professional exposures these operations face. Coverage is available in most states and the program welcomes new ventures and startups—making it easy for you to place both emerging and established clients. Ideal Accounts and Appetite This program targets legitimate, service- or sales-oriented home businesses that do not involve high-risk manufacturing, installation, or significant physical labor. MAXIMUM accepts more than 150 eligible business classes, including: • Accounting services • Bookkeeping and tax preparers • Consultants (marketing, management, educational) • Computer repair technicians • Graphic designers and artists • Professional organizers • Tutors and teachers • Photographers and videographers • Cosmetic and beauty sales consultants • Travel agents, authors, DJs, and more New ventures are welcome. The program is well-suited for accounts with up to $500,000 in annual revenue and up to three employees. Example accounts you can place through MAXIMUM: A freelance graphic designer who works from home, sells digital deliverables online, and needs general liability plus E&O protection. An online boutique owner selling handcrafted goods with business personal property and limited off-premises coverage for trade shows or pop-up events. Coverage Highlights and Advantages MAXIMUM’s Home-Based Business program combines core protections and convenient value-adds that agents can use to differentiate their offerings: • General Liability up to $1 million / $2 million • Business Personal Property and Loss of Income up to $100,000 • Errors & Omissions coverage included for most classes (with deductible) • Money & Securities: $10,000 inside / $5,000 outside premises • Equipment Breakdown automatically included • Off-premises liability and BPP off-premises coverage up to $15,000 • Professional E&O sublimits provided at no additional charge for many classes • Additional insureds can be added for $20 • Access to value-added services: HR tools, background screening, identity protection, and marketing resources Underwriting Notes and Deductibles Key underwriting and deductible details for submissions: • $0 deductible for General Liability • $500 Property deductible • $1,000 Errors & Omissions deductible The program is not available for risks located in AK, HI, LA, or WV. Commonly ineligible businesses include event planners, landscapers, contractors, massage therapists, and operations that involve manufacturing, installation, or repair. See the ineligible list below for additional specifics. • Event planners • Internet service providers • Massage therapists • Landscapers or contractors • Computer consultants • Personal shoppers / errand services • Manufacturing, installation, or repair businesses • Home inspectors (other than mortgage field inspectors) • Sports/martial arts instruction • Fine jewelry sales or repair Territories and Availability This program is available in most states (see storefront for the full list). Admitted options are available in many jurisdictions. MAXIMUM actively places business in major markets including CA, TX, FL, NY, IL and others, while excluding AK, HI, LA, and WV. Why Work with MAXIMUM MAXIMUM combines underwriting expertise, broad market access, and service-focused support to help you place home-based business accounts efficiently. Agents get responsive underwriting, access to multiple carrier relationships, and value-added services that make your proposals more competitive. We prioritize practical solutions and timely service—so you can confidently present a tailored insurance program to your small business clients. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small home-based businesses such as consultants, graphic designers, tax preparers, beauty product sellers, and similar service- or sales-oriented operations with limited physical risk. Are new ventures eligible for coverage?Yes. New ventures and startups are welcome—even those with little or no prior insurance history—subject to underwriting review. What are some common ineligible businesses?Businesses that involve manufacturing, installation, repair, or significant physical labor—such as contractors, landscapers, massage therapists, and fine jewelry sellers—are typically not eligible. Is Errors & Omissions coverage included?Yes. E&O is included for most eligible classes with a $1,000 deductible. Many classes also receive a professional E&O sublimit at no extra charge. What is the maximum revenue allowed for eligible risks?The program accommodates businesses with up to $500,000 in annual revenue. 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.