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Abuse/Molestation Insurance (Claims Made) Specialized Abuse/Molestation Insurance from NAS Insurance Servi...y for vulnerable individuals—camps, churches, schools, tutoring programs, ment...

...use and Molestation: Physical and sexual abuse liability coverage is available...luded?Yes, coverage for physical and sexual abuse or molestation is available as part of the pro...

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.

...imits for professional services Sexual and Physical Abuse coverage — $25,000...Does the policy include coverage for sexual and physical abuse claims?Yes. The policy includes Sexual and Physical Abuse coverage with l...

...ts Coverage Product Liability Sexual Abuse and Molestation Coverage Wate...or abuse and molestation claims?Yes, Sexual Abuse and Molestation Coverage is available as part o...

... Coverage – up to policy limits Sexual and Physical Abuse Coverage – $25,000...ting approval. Can I get Abuse and Molestation coverage with higher limits?Yes...

When it comes to insuring 501(c)(3) organizations, Gateway Specialty Insurance offers agents and brokers reliable access to top-rated admitted and non-admitted markets. Our program is designed to meet the unique challenges nonprofit organizations face, offering quick quotes, competitive commissions, and value-added resources to help you place and retain this specialized business. Ideal Accounts and Appetite Gateway Specialty Insurance focuses on a wide range of nonprofit 501(c)(3) organizations. Our program is a great fit for: Charities and foundations Animal rescue and rehabilitation groups Arts and cultural organizations Public safety and community outreach programs Victim advocacy and rehabilitation services You might have a client running a local arts nonprofit or an animal shelter that relies on volunteers and donations. These are the types of accounts we’re equipped to insure efficiently and competitively. Coverage Highlights and Advantages We understand that nonprofits have limited budgets but significant exposure. Our program includes access to broad coverage options through trusted carriers such as USLI and Alliance of Nonprofit. Key advantages include: Same-day or next-day quotes available in most cases Free or discounted risk management tools and resources Optional coverage enhancements tailored for nonprofit exposures Access to both admitted and non-admitted markets Underwriting Notes and Minimum Premiums Our minimum premium for this program starts at $735, making it accessible for even small nonprofit organizations. We do not require a premium commitment or contract, and we offer both agency bill and direct bill options depending on the carrier and market. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, PA, OH, GA, NC, and WA. We currently serve clients in 48 states plus Washington, D.C., giving you extensive reach for your nonprofit clients nationwide. Why Work With Gateway Specialty Insurance? Gateway Specialty Insurance is a wholesale broker with deep expertise in nonprofit accounts. Our team knows how to navigate the underwriting process for 501(c)(3) organizations and delivers fast turnaround times and responsive service. We also specialize in allied healthcare and technology accounts, so if your client’s nonprofit has crossover with healthcare or tech, we can accommodate those needs as well. Email applications or ACORDs to [email protected] or contact Anthony Vellutato at 877-977-4474 ext 7044 or [email protected] with questions. In addition to nonprofit organizations we specialize in writing allied healthcare and technology accounts. Low minimum premiums, no contract or premium commitment and expert account management make getting and selling a quote easy. Agency bill and direct bill is available with several of our admitted markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for 501(c)(3) nonprofits such as charities, animal rescue groups, victim support services, arts organizations, and public safety initiatives. What is the minimum premium for nonprofit insurance?The minimum premium starts at $735, making it accessible for small and mid-sized nonprofit organizations. Are both admitted and non-admitted markets available?Yes, Gateway Specialty Insurance offers access to both admitted and non-admitted markets depending on the risk and location. In which states is this program available?The program is available in most U.S. states, covering 48 states plus Washington, D.C. How quickly can I get a quote?Many quotes are available the same day or next day, depending on the completeness of the submission. Need help placing an account? Connect with a market specialist.

...oader coverage options: Higher sexual abuse and molestation limits Defense costs outside the... address resident exposures, abuse/molestation concerns, regulatory issues, an...

...rs and Omissions Coverage Part Sexual and Physical Abuse Coverage – up to $...her limits available for abuse and molestation coverage?Yes, while the base li...

...ed and Non-Owned Auto liability Sexual and/or Physical Abuse coverage: $50,0...her limits available for abuse and molestation coverage?Yes, higher limits are...