We Know The Industry

Winning bids is an essential part of business for any contractor and proper risk management can take your business to new heights.  Similarly, a clean record of site incidents can mean the difference between an affordable policy and a premium that's tougher on your wallet.

Get Covered No Matter Your Budget or Risk

As the market for contracting companies grows exponentially, the market for new classes of insurance grows at the same rate. Each occupation comes with a list of unique risks which may be covered by a basic policy or a mix of comprehensive coverages. You have a job to focus on instead of risks to be worrying about, hence why we work with a multitude of carriers to find you coverage that best fits your company.

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Property Insurance

Liability Insurance

Your office space is an investment, along with any tools or equipment that are used to complete the job at hand. This class of coverage is meant to protect the environment where your work is done, as well as replacing lost, stolen, or damaged items.

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What specifically does commercial property insurance cover?

If you own the equipment that is used to do the job you are contracted to do, and it were stolen or broken, this type of policy could replace your equipment so that you may continue to do your job.

Example: Your excavator gets parked behind your warehouse at night and a tree falls during a storm. The windows on your machine break, and it is now a hazard for employees to use. The property insurance on this piece of equipment could cover the cost of repair and the machine gets fixed.

With such unique risks present in the contractors line of work, a unique line of coverage is needed. General liability for contractors protects against injuries, accidents, or property damage suffered on the job. The Balance lists the most important benefits to having a good liability insurance policy as follows:

• Your business will protected against injury and/or property damage.
• Provides peace of mind knowing your assets and employees are protected.
• Can pay for the cost of attorneys, witness fees, court appearances, & more.
• Can assist you in covering the cost of repair and damages after a judgement has been passed on the issue.

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What Does Your Business Need?

Your company may work in a very specific industry, or you may performing common duties. Your needs are specific to your risks, thus your insurance costs will not match the company down the street, even if your daily tasks are similar. Insurance is not about fitting the square peg into the square hole, rather finding the correct hole for the octagon peg with three long sides. 

Our agents have 90+ years of expertise insuring contractors through various policies. An agent will assess the risk of your business down to the very ground your employees work on, wherever that may be. One of the many benefits to working with an independent agent is the options that are presented to you. Taking all risks into account, the business is presented with several courses of action depending on price, potential for growth, and what our carriers can offer.

No matter if you work as a plumber, snow plow contractor, landscaper, electrician, painter, carpenter, drywaller, or a general contractor, we have dealt with situations similar to yours and found a solution for the client every time.

​Give us a call or fill out our contact form if you want an agent you can trust.

We Know Snow

The Mills Insurance Group is proud to be an active member of the Snow and Ice Management Association. Learn more about SIMA here.

Contact a Mills Rep via email or phone at (609) 385-1975 today  if you are interested in finding a policy for your Snow Management business!

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