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Wind Deductible Buy Back Insurance from Com...rty values, location, and existing deductible structure. Is this program avail...

From banquets to festivals and everything in between, your clients need protection from lawsuits, claims of bodily injury and property damage. Midlands has broad access to multiple liability markets, deep industry expertise, and robust risk-management resources. When forces beyond anyone's control—flood, fire, severe weather or other perils—undo months of planning in minutes, agents can place Event Cancellation Insurance through Midlands to protect your clients’ revenue and expenses. Midlands Event Cancellation Insurance insures against loss arising from the cancellation, interruption, relocation or postponement of a covered event. Add Event Cancellation coverage to a Special Event policy or place a stand-alone Event Cancellation policy to protect gross revenue, event expenses and additional costs incurred because of a covered loss. Place your next special event and/or event cancellation risk with Midlands to ensure things go right when things go wrong. Available Coverages: • Liability • Liquor Liability • Event Cancellation • Weather Coverage • Excess • Property • Inland Marine • Spectator Liability • Commercial Auto Program Highlights: • Coverage based on gross revenue or expenses for the event — up to $85 million • Covers net loss and additional costs or charges paid by the insured • Optional extensions for disease outbreak, nonappearance, war risks and terrorism • Fast turnaround with instant quotes and instant policy documents • Coverage available for single events or multi-event schedules • A.M. Best rated “A” carriers available through the program • Competitive pricing and commission structures (varies by market) • Superior claims handling and benefits coordination, including quick referral service • Facility can be added as an additional insured at no extra cost • Large excess limits and hired/non-owned auto available • Short-term or annual policy terms available • Hundreds of eligible classes Available Classes (selected): • Wedding Receptions • Banquets • Auctions • Fairs and Festivals • Golf Tournaments • Inflatable/Moon Walks • Sporting Events and Races (bike, run, walk) • Recitals and Theatre • Educational Seminars and Public Lectures • Boat Shows • Rodeos and Parades • Trade Shows and Booths at Fairs/Shows • Fireworks and Amusement Rides • Fundraising Events and Senior Events • Arts/Craft Shows, Fashion Shows, and Exhibitions • Street/Block Parties and Refreshment Stands • Animal Shows, Dog/Horse Races, and Many More Overview of the Program from Midlands Management Corp This program is designed specifically for agents placing special-event risks who need tailored Event Cancellation protection alongside traditional special-event liability products. Midlands acts as a managing general agency and carrier intermediary, giving you access to multiple admitted and non-admitted markets, fast quoting, and flexible policy options. Ideal Accounts and Appetite Good fits: weddings, community festivals, fundraisers, races, trade shows, recitals, openings, and similar events where revenue or incurred expenses need protection. Appetite: single events and multi-event schedules with limits and coverages scaled to event size — policies available up to large revenue/exposure thresholds (see Program Highlights). Typical restrictions: extremely high-hazard attractions or events with known pre-existing cancellations or prohibited activities may require underwriting review or be excluded. Discuss specific risks with Midlands underwriting for guidance. Coverage Highlights and Advantages Flexible basis of loss: cover based on gross revenue or event expenses, including additional costs to mitigate loss. Optional extensions for disease outbreak, nonappearance and terrorism/war risks to match client exposures. Fast placement: instant quoting and instant policy documents help you bind cover quickly when clients need proof of insurance. Facility-friendly: facility can be added as an additional insured at no extra cost — helpful for venues that require proof before booking. Underwriting Notes and Minimum Premiums Underwriting considers the event type, location, attendance, ticketing/revenue structure, contingency plans, and any high-risk activities. Minimum premiums vary by market and coverage selections. Be ready to provide event revenue/expense estimates, event date(s), cancellation triggers of concern (e.g., weather, nonappearance), and any prior cancellation history when requesting a quote. Territories and Availability Available in many states: 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. Admitted availability varies by state; Midlands places business in some admitted markets and through non-admitted carriers where needed. Why Work with Midlands on Event Cancellation Managing General Agency and carrier relationships that provide wide market access. Quick quoting and policy issuance — designed for time-sensitive event placements. Flexibility to add cancellation coverage to Special Event liability placements or to write stand-alone Event Cancellation policies. Support for complex placements, including large revenue events, excess limits, and specialty extensions. Example Scenarios You have a client planning a weekend outdoor festival with $250,000 in ticket sales and vendor fees — Event Cancellation coverage can protect ticket revenue and certain event expenses if severe weather forces cancellation. An organizer of a multi-day trade show wants coverage for nonappearance of a headline speaker and related lost revenue — optional nonappearance coverage can be added to the cancellation form. How to Submit Business Provide event details, estimated revenue/expenses, event date(s), venue information, and any requested optional extensions. Midlands offers fast turnaround and instant policy documents for eligible risks. Minimum premium: varies by market and coverage. Frequently Asked Questions What types of events are a good fit for this program?Weddings, festivals, fundraisers, trade shows, sporting events, recitals, and similar public or private events where loss of revenue or incurred expenses from cancellation or postponement is a concern. Can this coverage be added to a Special Event liability policy or written stand-alone?Yes. Midlands can add Event Cancellation coverage to a Special Event liability placement or issue a stand-alone Event Cancellation policy, depending on your client’s needs. How quickly can I get a quote and policy documents?Midlands offers fast turnaround with instant quotes and instant policy documents for eligible risks; binding speed depends on underwriting requirements and any optional extensions requested. Are disease outbreak or nonappearance coverages available?Yes. Optional extensions for disease outbreak, nonappearance, and war/terrorism risks are available subject to underwriting and market acceptance. Need help placing an account? Connect with a market specialist.

Wind Deductible Buyback Insurance Coverage ...s including AL, FL, LA, TX, and other wind-prone coastal regions. Refer to the...

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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.

To help manage costs of high wind deductibles, Program Brokerage Corporation has access to a "Wind & Hail Deductible Buy Down" insura... Dollar Required Documents: PBC Wind/Hail Application Underlying quo...

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...y (FEMA) maps, aerial photography, wind and water projections, elevation infor...

Commercial Sector Insurance Brokers is a national wholesale broker with over 100 years of combined expertise in the Mining Insurance sector. We specialize in placing coverage for above- and below-ground mining operations across the United States, including Alaska. Whether your clients are involved in coal mining, precious metal and mineral extraction, or aggregate operations, we have the experience and market access to help you place complex mining accounts with confidence. Overview of the Mining Insurance Program We understand that the mining industry is highly specialized and comes with significant operational and environmental exposures. Our dedicated Mining Insurance program is built to address these risks with tailored coverage solutions. From highwall mining operations to continuous miner accounts, we can handle a wide range of mining-related risks. We also have the ability to structure layered quota share policies for larger inland marine schedules. Ideal Accounts and Appetite Our program is designed for a broad range of mining-related risks, including: Coal mining operations Precious metals and mineral mining Aggregate and stone quarry operations Mining consultants and contractor labor accounts Manufacturers and distributors of mining equipment (Products Liability) If you have clients involved in specialized or high-risk mining operations, including those in remote or hard-to-place regions like Alaska or the Appalachian region, we may have the market solutions you need. Coverage Highlights and Advantages Our Mining Insurance program offers a comprehensive suite of coverages, with flexibility to tailor policies based on your clients’ specific exposures: • General Liability • Umbrella • Excess Liability • Higher Layered Excess • Auto Coverage • Property Insurance • Workers Compensation • Pollution Liability • Inland Marine We can support more complex placements, including layered excess structures and large inland marine schedules, giving you more options to serve larger or more specialized clients. Underwriting Notes and Minimum Premiums We work closely with agents and brokers to understand the full scope of your client’s operations. While minimum premium requirements may vary based on the size and complexity of the account, our underwriting team is equipped to evaluate both standard and complex risks with flexibility. Please contact us directly to discuss specific submissions and appetite. Territories and Availability Our Mining Insurance program is available in all 50 states, including the District of Columbia. Whether your client operates in a traditional mining state like West Virginia or a unique territory like Alaska, we have the geographic reach and carrier relationships to help you place the business. Why Work With Commercial Sector Insurance Brokers? Mining is a high-risk, detail-intensive industry — and it takes a true specialist to navigate the nuances of insuring it. At Commercial Sector Insurance Brokers, we bring decades of niche experience, strong market relationships, and a proactive approach to supporting our retail partners. We don’t just place policies — we help you deliver complete protection for your clients, backed by service and market access you can rely on. Frequently Asked Questions What types of accounts are a good fit for this Mining Insurance program?We are a strong fit for coal, mineral, and aggregate mining operations, as well as mining consultants, contractor labor accounts, and manufacturers or distributors of mining equipment. Can you help with hard-to-place or high-risk mining operations?Yes, we specialize in complex and high-risk mining accounts, including highwall mining and continuous miner operations. We can also structure layered excess and inland marine solutions for larger risks. Is this program available nationwide?Yes, our Mining Insurance program is available in all 50 states, including Alaska and the District of Columbia. Do you have markets for pollution liability and inland marine?Yes, we offer both pollution liability and inland marine coverage as part of our comprehensive Mining Insurance offering. What types of mining equipment risks can you cover?We can place products liability coverage for manufacturers and distributors of mining equipment, supporting you in protecting these specialized operations. Need help placing an account? Connect with a market specialist.