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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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Overview — GrowPro® from NIP Group GrowPro® from NIP Group is a specialized insurance program designed for commercial growers, nurseries, greenhouses, and independent garden centers. As a Managing General Agency, NIP Group places this program with various admitted carriers across most available states, giving agents flexible admitted-market options and tailored coverages for seasonal inventory and crop exposures. GrowPro® is intended to complement LandPro TreePro accounts and provides expanded protections for crop loss, inventory fluctuations, property, and liability exposures common to plant producers and retailers. Ideal accounts and target classes Greenhouse growers (seasonal and year-round) Nursery growers producing field-grown or container stock Independent garden centers and retail plant operations You should consider GrowPro® when your client needs coverage that reflects seasonal inventory swings, nursery crop exposures, or specialized causes of loss (for example, frost, freeze, hail, or loss in transit). Typical fits are accounts with clear inventory records, established loss-control practices, and operations that are primarily plant production or retailing rather than large commercial landscaping contractors. Coverage highlights and advantages Specialized crop and inventory coverage tailored to seasonal values Property coverage for greenhouses, cold frames, benches, and stock Liability solutions suited to retail and production exposures Ability to structure limits and endorsements for perishables and transit Access to admitted carriers in most states through NIP Group’s MGA placements Underwriting notes and minimum premium Underwriting focuses on the operation’s primary exposures, inventory valuation methods, mitigation controls (irrigation, frost protection, pest control), and loss history. NIP Group can accommodate accounts with seasonal surges by adjusting limits and premiums to match peak inventory values. Minimum premium varies by carrier and state; see individual submissions for program minimums and available endorsements. Territories and admitted status GrowPro® is available in most states (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). NIP Group places with various carriers and can often secure admitted solutions where state filings and carrier appetite allow. Why place this business with NIP Group NIP Group combines program expertise in horticultural and nursery lines with access to multiple admitted carriers. Agents benefit from underwriters who understand crop seasonality and inventory valuation, plus flexibility to craft endorsements for transit, perishables, and crop loss. Use GrowPro® when you need a market that understands plant production risks and can tailor a package to match peak seasonal exposures. Example scenarios You have a medium-sized greenhouse with fluctuating inventory that needs crop and building coverage for a winter-season frost exposure — GrowPro® can be structured to reflect peak inventory values. You represent an independent garden center that wants package property and liability coverage with transit protection for plant deliveries — the program’s endorsements can address those combined exposures. Frequently Asked Questions What types of growers are eligible for GrowPro®?GrowPro® targets greenhouse growers, nursery growers (field and container), and independent garden centers. Eligibility depends on operations, loss history, and inventory controls — larger landscaping contractors or high-hazard production may be referred to other markets. How does the program handle seasonal inventory fluctuations?NIP Group can tailor limits and endorsements to reflect peak seasonal values and can place crop/inventory limits that adjust for inventory surges. Provide peak values on submission so underwriters can match coverage to exposure. Does GrowPro® cover crop loss from weather events?Yes. The program includes crop loss coverages for perils commonly affecting growers (for example freeze, hail, and some weather perils) subject to carrier terms and endorsements. Specific perils and sublimits vary by carrier and state. What information should I include with a submission?Include detailed inventory schedules, peak inventory values, description of production and retail operations, loss history, mitigation measures (frost protection, irrigation), and any transit or delivery exposures to help expedite underwriting and pricing. Need help placing an account? Connect with a market specialist.

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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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.