We Know The Industry

 Insurance is only one form of proper risk management - Mills Insurance strives to help our clients make informed decisions on the entire risk profile. 

Buy Coverage and work within a clients Budget

Each contracting segment holds unique risks. Risk is not necessary bad, but an uncontrolled risk is terrible. Some risks can be transferred to an insurance policy while some may require a mix of comprehensive actions.  There are risks that business owners are simply self insuring and at times may not know it.  Owners have pressure to focus on every part of their business. MIG will work will only write insurance who carry at a minimum A- rated according to AM BEST rating.

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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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Speak to an agent

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A solid Insurance team can give your company an edge.

Every company has unique needs specific to an industry's risks profile, thus insurance costs will not always match the competitor down the street.  Even if that other business claims to be pay way less! Believe half of what you see and none of what you hear, right?

A business owner should have proper guidance.  And Mills believes that a consumer whos is educated about the insurance process or having a better understanding gives you the competitive edge & a better client for us.  The insurance process  and the team who works on your company's behave is an advantage, plain and simple.  Could be an certificate of insurance issue or the other company has no understanding about liability.  We want you to be educated in order to be a better company. 

Our agents have 90+ years of combined experience insuring contractors through various policies. (combined years is funny, lets be honest) An agent will work with you to identify risks.   One of the many benefits to working with an independent agent is options. Independent brokers are not married to just one insurance carrier. We want to connect the right carrier to the right client.   Taking both client and carrier into account, the business is presented with several courses of action depending on coverage first, price a close second, potential for growth, and what our carriers can offer. Its not easy but this is what you pay us for.

No matter if you work as a plumber, snow removal contractor, landscaper, electrician, painter, carpenter, drywaller, or a general contractor...The Mills team will work with you to find a solution.

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

Lets get started!

Mills Insurance understand Snow Removal Contractors

Mills Insurance Group is proud to be an member of the only not-profit professional snow association out there. 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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