Commercial Insurance
Mills Insurance Group stands out from our competition by tailoring a wide array of business insurance products to meet your exact needs.
We create a comprehensive insurance programs with the options we can offer to small, medium and large sized business across the U.S. We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business.
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Insurance Policy Lines for our Business Clients
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Property Insurance
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items. Property Insurance may cover two types of property losses:
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Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
- Premises and Operation
- Fire Damage Liability (damage by fire to premises rented to insured)
- Personal and Advertising Injury
- Medical Payments
- Products/Completed Operations
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You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Every operation is different and Mills Insurance's duty to help assist the business owner assign a classification code that best fits the risk. Example: General Contractor or Specific Trade Contractor |
An exposure base that directly relates to the actual processes normal to that type of operation. For each classification code we project a rating basis factor.
The business health record usually is contemplated with the losses experienced by the category of risk for the combined bodily injury and property damage exposure from premises operations and the second for the combined bodily injury and property damage exposure from products and completed operations. To these loss costs, each individual insurer applies their own loss cost factor contemplating that specific insurer’s expenses, contingencies and profit margin.
The business health record usually is contemplated with the losses experienced by the category of risk for the combined bodily injury and property damage exposure from premises operations and the second for the combined bodily injury and property damage exposure from products and completed operations. To these loss costs, each individual insurer applies their own loss cost factor contemplating that specific insurer’s expenses, contingencies and profit margin.
- Credits
- Package credits
- Size of premium credits
- Scheduled credits
- Experience credits
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Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole pproprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business. |
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Workers' Compensation
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment.
Any bodily injury must be accidental, and the term includes death resulting from the accident.
Only occupational diseases, which are unique to the occupation, are covered.
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment.
Any bodily injury must be accidental, and the term includes death resulting from the accident.
Only occupational diseases, which are unique to the occupation, are covered.
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Workers' Compensation provides for the payment of four types of benefits:
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Contact us today for more information about Commercial Insurance or fill out our ONLINE QUOTE form.
Click HERE for Frequently Asked Questions
Click HERE for Frequently Asked Questions