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.
Your local Highstreet agent 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. These costs can be immense and, as a result, general liability insurance is often mandatory if you want to bid for government contracts.
Your local Highstreet agent can show you all the coverage options, so you can build the right insurance plan for your business.
Manufacturer Insurance
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 in your manufacturer insurance policy that are recommended for most businesses in the industry.
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.
Your local Highstreet agent can help you assemble the right coverage for your operations.
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 the real estate industry, your local Highstreet agent 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 operations. 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-saving, such as broader coverage and potential discounts for a high volume of policy purchases. Your local Highstreet agent can help you understand and choose the right coverage for your business.
For Real Estate Investors
If you invest in real estate, getting the right insurance coverage is a vital way to protect that investment. There are several risks to take into account. Your local Highstreet agent can help you understand those risks, and determine which insurance coverage options you need for continued success and 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
Pool & Spa Insurance
Whether you build, operate or maintain commercial pools and spas, you face unique risks including property damage and personal injury liability. The right policies can ensure your business, employees and customers are protected from financial loss in case of an unexpected incident.
Coverage that can keep your business afloat
As with all businesses, swimming pool and spa builders, operators and cleaners of any size can benefit from a customized insurance plan, including coverage for:
- Business Owner’s Plan (BOP)
- General Liability
- Umbrella & Excess Liability
- Workers’ Compensation
Your local Highstreet agent can help you design the right coverage package for your business and the specific kind of pool and spa work that you do.
