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Retail Workers Compensation Insurance Program from PMC Insurance Group PMC Insurance Group is proud to offer a comprehensive Retail Workers Compensation Insurance program specifically designed for retail businesses. As a trusted wholesale broker, PMC provides independent agents with access to competitive workers' comp markets across a wide range of retail classes. Whether your client is running a small specialty shop or a multi-location grocery chain, PMC's program is structured to help you place quality coverage that meets their operational needs. Target Retail Classes This program is built to support a wide spectrum of retail operations, including both established businesses and startups. PMC can write workers compensation coverage for the following types of retail accounts: Clothing Stores Grocery Stores & Supermarkets Convenience Stores Furniture Stores (including drivers) Hardware Stores Florist Shops Jewelry Stores Auto Parts Stores Book Stores Wholesale Store NOC If you have a client in one of these categories, PMC can help you place coverage—even if it’s a new venture or startup business. Program Highlights PMC’s retail workers compensation program offers flexible underwriting and access to all available markets, including both admitted and non-admitted options. This ensures that agents can find suitable solutions aligned with their client’s risk profile, size, and budget. Carriers vary, allowing PMC to find the best fit based on class code, claims history, and payroll size. Key coverage advantages include: Support for startup operations Minimum premiums starting at $2,000 Access to multiple carrier options for competitive pricing Knowledgeable underwriters who understand retail business risks Underwriting Considerations PMC can accommodate a wide range of retail business sizes and risk profiles. The program has a minimum premium starting at $2,000, making it accessible for smaller operations. Accounts with prior losses may still be considered depending on the circumstances and class type. For instance, you might have a client opening a new convenience store or a regional grocery chain looking to improve their current workers compensation terms—PMC can help you find the right market quickly and efficiently. Available States This program is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, and PA. PMC writes business in all states except those with monopolistic workers compensation systems. The full list of available states includes: 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 Why Work with PMC Insurance Group? PMC Insurance Group specializes in workers compensation solutions and offers deep experience in retail sector placements. With access to a wide array of carriers and a service-driven approach, PMC helps independent agents and brokers efficiently place accounts with confidence. Their underwriting team understands the unique exposures of retail operations—from employee lifting hazards in furniture stores to slip-and-fall risks in grocery aisles. Partnering with PMC gives you the flexibility and support you need to deliver strong workers compensation options to your retail clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for a wide range of retail businesses, including clothing stores, supermarkets, hardware shops, and even startup operations. Can PMC help with new ventures or startups?Yes, PMC can write workers compensation coverage for startup retail businesses with a minimum premium starting at $2,000. Is the program available nationwide?The program is available in most states, excluding those with monopolistic workers comp systems. A full list of eligible states is provided above. What is the minimum premium for this program?The minimum premium starts at $2,000, making it accessible for small and mid-sized retail operations. What carriers are used in this program?PMC works with various carriers across all available markets, allowing flexibility in matching the right carrier to each account’s needs. Need help placing an account? Connect with a market specialist.

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Looking for a Workers Compensation specialist with access to multiple A-rated carriers? Atlas General Insurance Services offers dedicated Workers Compensation solutions designed for agents who need flexible underwriting and strong carrier options. Whether you’re placing a tough-to-place risk or seeking more competitive options for a client, Atlas provides underwriting flexibility, broad carrier relationships, and services that help agents deliver tailored coverage and value to their clients. Target Industries We Serve Atlas General specializes in a broad range of classes, including: Healthcare facilities and providers Light manufacturing operations Office-based businesses Artisan contractors and plumbers Retail stores and boutiques Restaurants and food service operations Automotive repair shops Hospitality businesses Wholesale and distribution accounts If you have a client in one of these sectors, we can help place the business quickly and competitively—even if they’ve been turned down elsewhere. Program Features and Benefits • Program available exclusively through Atlas General Insurance Services • Appetite includes small to large-size accounts with a $25,000 minimum payroll • Claims handled by Sedgwick Claims Management, providing expert claim administration, utilization review, and MPN coordination • Loss control services to help reduce risk and improve outcomes • Competitive commissions and incentive opportunities for appointed agents • Flexible payment options, including reduced down payments where available • Online quote indications – COMING SOON! Why Work With Atlas? Atlas General Insurance Services is a trusted general agency that gives agents access to multiple A-rated carriers (A.M. Best). Our underwriting team brings deep workers compensation expertise and practical placement strategies, so you can find the right fit for your client’s needs. We emphasize fast, responsive service and a streamlined process. From initial quote to policy issuance and claims handling, Atlas works to keep the placement efficient and professional. Where This Program Is Available Our Workers Compensation Program is available in most states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Underwriting Overview We write preferred and moderately challenging risks that meet the $25,000 minimum payroll threshold. This program is non-admitted and is supported by multiple A-rated carriers as rated by A.M. Best. You might have a client who runs a growing restaurant with 30 employees or a regional retail chain with a clean loss history—both could be strong fits. If you’re unsure whether a risk fits the program, our underwriting team is available to review submissions and provide guidance. Let Atlas General Insurance Services be your go-to source for Workers Compensation coverage—contact us to learn how we can help you place accounts and support your clients. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program targets a wide range of industries including healthcare, retail, light manufacturing, contractors, restaurants, and more. Accounts with a minimum payroll of $25,000 are preferred. Is this program available in my state?Atlas offers this Workers Compensation program in most states across the U.S., including CA, TX, FL, NY, and many others. Contact us to confirm availability in your specific state. What carriers support this program?The program is backed by multiple A-rated carriers as rated by A.M. Best, ensuring financial strength and stability for your clients. Does Atlas offer any support services for policyholders?Yes, claims are managed by Sedgwick Claims Management, and loss control services are available to help insureds reduce risk and manage claims effectively. Can I get a quote online?Online quote indications will be available soon. In the meantime, our team is ready to assist you with quotes and submissions directly. Need help placing an account? Connect with a market specialist.

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.