Business man defending light beams with umbrella concept on back

Catastrophe is reality.  This is why some clients require business liability protection over and above scheduled underlying coverages.  Midlands offers a robust suite of Umbrella and Excess products for a broad range of commercial customers.  From single location light hazard risks to large scale manufacturers, our responsive and experienced Underwriters can custom tailor an Umbrella/Excess policy for you.


  • In-house admitted market, available through an A.M. Best AXV rated carrier
  • $25,000,000 limits available over general liability, commercial automobile, employers’ liability and liquor liability
  • General liability: $1,000,000 / $2,000,000
  • Automobile liability: $1,000,000
  • Employers’ liability: $1,000,000
  • Non-admitted markets available with limits up to $15,000,000
  • Competitive pricing and commissions
  • Risk Management program available
  • Direct access to skilled and responsive underwriting team with decades of experience


Commercial Construction • Residential Construction • General Contractors • Artisan/Trade Contractors • Sub-Contractors • Manufacturing • Processing • Wholesale • Retail • Service • Financial Institutions • Technology • Environmental • Commercial Real Estate • Habitation Real Estate • Hotels • Motels • Restaurants • Municipalities • Law Enforcement • School Districts • School Board Legal



Jennie Reed
(972) 588-2007