Featured personal and professional coverage
Healthcare Consulting
Deciding which healthcare plan meets the goals of your organization is increasingly complex. Healthcare costs continue to rise, and employees are often confused about their options. At Highstreet Millenium, we partner to develop strategies to meet the short and long-term needs of you and your team.
Help employees make healthy decisions
Your employee healthcare efforts may include cost and program management, compliance and employee health and wellness.
We can help you develop and implement a comprehensive, strategic plan that manages your healthcare program and process while also providing incentives for your employees to make better decisions about their health.
Contractor Insurance
Protect your business from the potential risks that come along with contracting, such as injuries, equipment loss, property damage and more. Our contractor insurance covers important aspects of your business, safeguarding your skills, experience and hard work from potential financial setbacks.
Keep your projects moving forward
Contractor insurance isn’t one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business’ unique needs are protected.
Consider coverage for:
- Business Personal Property
- Building Property
- Business Liability
- Completed Operations
- Mobile Equipment
- Installation Floater
- Property of Others
- Workers’ Compensation
A good policy for contractors also includes general liability to cover you against claims of damage or injury caused on site or to visitors on your own premises.
Manufacturer – Risk & Cost Assessment
Protect the products you make and distribute. We’ll help you design a dedicated manufacturer insurance policy to cover the specific risks you face, leaving you free to concentrate on your business.
Coverage every manufacturer needs
There are certain coverage options that are recommended for most businesses in the manufacturing industry. These options can protect your business from the unexpected risks you face on a day-to-day basis, whether in production, or shipment, with coverage for:
- Business Auto
- Workers’ Compensation
- Errors and Omissions
- Commercial Property
- Motor Truck Cargo
- Ocean Cargo
- Manufacturers’ Selling Price
- Business Interruption
- Employers Liability
- General Liability
You should also consider product recall insurance. This covers not only the costs of getting the product back to you, but also safely disposing of the stock. Some policies even cover legal costs or public relations expenses resulting from a recall.
Wholesalers and Distributers – Risk & Cost Assessment
As a wholesaler or distributor, your business has heightened risks due to the amount of stock kept on-site. A specialty wholesaler and distributor insurance policy can protect you from the unique financial risks of your business.
Coverage in-stock and in-transit
Having large amounts of stock on the premises, or in transit, increases the financial risks of losses from fire, flood or theft. You also must factor in the claims for interruption of your customers’ supply chains.
We can help you customize a specialty insurance policy for your particular needs, including:
- Property insurance to cover the stock itself
- Protection against loss of income if your facility is put out of action
- Liability to cover claims for injury or property damage visitors suffer while on your premises (or by your delivery staff)
You can also add additional types of coverage such as protection against a data breach, human resources and employee claims, loss of power/communication at your facility or damage to leased equipment.
Real Estate Insurance
In the real estate industry, both developers and investors need professional liability insurance and other specialized coverage. With multiple risk factors involved in real estate, we can help you get the right coverage in place to keep your developments and investments on track.
For Real Estate Developers
With so many different hands involved in the development process, professional liability insurance is essential coverage for any real estate developer insurance program.
This coverage offers protection for damages caused by wrongful acts including errors, omissions or negligence committed during any stage of development. We’ll help you make sure you have the right coverage for:
- Professional Liability
- Builder’s Risk
- Workers’ Compensation
- Property Manager
- Vacant Buildings
You may want to consider an Owner-Controlled Insurance Program (OCIP), also known as ‘wrap-up insurance,’ which can provide increased protection for an owner of a real estate development business. OCIP offers several benefits for protection and cost savings, such as broader coverage and potential discounts for high volume policy purchases.
For Real Estate Investors
If you invest in real estate, including rentals or condominiums, getting the right insurance coverage is a vital way to protect that investment. There are several risks to take into account. We can help you understand those risks and determine which insurance coverage options you need for protection from the unexpected.
We’ll help you make sure you’re covered for:
- Personal Liability
- Property Damage
- Vacant Properties
- Builder’s Risk and Installation
- Homeowners Association Insurance
If you are doing improvement work on a property, such as a renovation or extension, you may need builder’s risk and installation insurance. This covers liability for injuries to construction workers and protects your investment from damage while it is still under construction — and more exposed to hazards such as vandalism or severe weather events.
Workers’ Compensation Insurance
Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer, more productive workplace for your team.
Safeguard your employees — and your business
As a business owner, knowing the risks of employee injury is one thing. Understanding what workers’ compensation is required in your state, and what it covers, is essential.
We’ll help you find a workers’ compensation policy that will cover what’s needed when it’s needed most, such as coverage for:
- Medical bills
- Care costs
- Lost wages
- Funeral costs and death benefits
While you can get standalone workers’ compensation policies, you may want to consider buying the coverage as an add-on to another policy, such as a Business Owner’s Policy (BOP), as well as commercial general liability or professional liability insurance.