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Apartment Buildings Insurance
Every time a property owner/manager hires an outside contractor for services such as landscaping, snow and ice removal or pool maintenance, there is the potential for third-party litigation resulting from the contractor’s work. Be sure your contractors have proper insurance coverage by obtaining a certificate of insurance.
A simple visual check of the pipes and fitting at the top of your water heater could reveal signs of corrosion. If you can see corrosion at the connection between the steel and copper fittings, this could be an indication that galvanic corrosion is occurring.
Considering roof-mounted solar panels? Be aware they may impact how firefighters deal with a fire in your building. A detailed pre-emergency plan covering a fire situation in those buildings should be developed and reviewed, as appropriate, with the local fire brigade.
Property owners/managers can be held liable for wrongful acts committed by a contractor even though the owner/manager may have no direct fault for the act. Having a Certificate of Insurance for every contractor can help reduce your liability.
As snow melts along the roof of a home or building, it may refreeze along the eaves of the roof to form a ridge of ice, known as an ice dam. These can cause serious damage. Prevention is key.
Building Lifecycle (Builders Risk)
Businessowners Policy (BOP)
Data Response & Cyber Liability
Most businesses insure against risks like fire, liability or a burglary, however many have not purchased data response and cyber liability insurance. This can leave your business exposed to a major financial blow if your systems are breached.
More than half of the small businesses that experience a data breach close within 6 months. Without a cyber liability insurance policy to help cover the costs associated with a breach, how long would your business stay open?
The median cost of a data breach to a small business is $36,000. Without data response and cyber liability insurance in place to help mitigate that cost, can your business withstand the hit to the budget?
Employment Practices Liability (EPL)
In 2016, the Department of Housing and Urban Development (HUD) said refusing to rent based on a criminal record is a form of racial discrimination because of the racial imbalances in the United States justice system. Property owners and managers can protect themselves by adding third-party coverage to their Employment Practices Liability policies.
No matter how big your company or how well you manage your business, an employee, customer, or vendor can allege anything at any time. Employment Practices Liability Insurance can help cover the costs associated when someone files a charge against your business.
Employment Practices Liability (EPL) Insurance can help cover costs associated with claims made against your business of discrimination based on age, race, gender, color, national origin, religion, disability, pregnancy, and more.
Employees can sue for a number of reasons including wrongful termination, harassment, failure to promote, and retaliation. All claims must be defended, even unfounded ones, and EPL Insurance can help with those costs.
There are two types of commercial flood insurance: Building Property, which covers the physical building and some systems inside like the AC equipment, and Personal Property, which covers the contents like rugs, furniture and fixtures.
A businessowners policy (BOP) can include coverage for many different risks and liabilities. One thing it doesn’t usually cover, though, is flood damage. Even if you’re not in an area prone to flooding, surprises do happen!
Millers Mutual Appetite
Optional Coverage Enhancements
Don’t get burned by a resident’s negligence. Consider requiring tenants to have renters insurance that covers losses caused by residents such as through fire, smoke, explosion, water discharge, and sewer backup.
From a risk transfer perspective, indemnification, hold harmless and insurance clauses are three important requirements in contracts with contractors.
Third-Party Products and Services
Cooking oils ignite at 750o F. Regular electric coils can reach 1400o F. Consider installing safety burners on all stoves to help protect your property. Millers Mutual offers a discount on a variety of fire suppression products.
Vacant Property Coverage
Workers’ Compensation insurance provides coverage for medical expenses, lost wages, vocational rehabilitation, and death benefits when employees are injured, disabled or made ill as a result of work duties conducted on behalf of their employer.