Small Business Property | The MIA Group

Let us take care of the details!

Stay Focused on the Needs of Your Business

Business Property Insurance Helps Protect What You’ve Worked Hard to Build

Business property insurance policies enable the purchase of insurance to be simple. They offer the coverages you need at a reasonable price. Your agent can sit down and assist you in creating a plan to make sure your business needs are covered

Business Property Insurance Policies Can Be Tailored to Meet Your Needs

We have coverage for many types of businesses such as retail, food shops, and contractors. Find your business or organization type to learn more about our coverage features:

GET QUOTE

Art & Craft Supplies Stores
Bicycle Sales & Service
Book Stores and Newsstands
Bridal Shops
Camera Store
Ceramic & Pottery Dealers
CD/DVD/Videotapes – Rentals and Sales Only
Clothing Store
Fabric Stores
Formal Wear-Rental
Gift, Card & Stationery Stores
Hearing Aid Stores
Hobby, Trophy & Framing Stores
Leather Goods stores (excluding coats)
Novelties & Costume Jewelry
Opticians
Shoe Stores
Sporting Goods Stores
Toy Stores

Accounting Services
Advertising Agencies
Attorneys
Consultants
Financial Consultants or Planners
Graphic Artists/Designers/Illustrators
Insurance Agents
Messaging/Communication Services
Real Estate Appraisers
Tax Return Preparation
Transcription/Translation/Interpreter Service
Travel Agencies (not conducting tours)

Acupuncturists
Chiropractors
Dentists
Massage Therapist/Acupressure/Reflexology
Optometrists
Physicians
Physical/Occupational Therapists
Podiatrists
Psychologists – Mental Health Counseling

Bakeries – Retail
Meat – Seafood Markets
Candy & Confectionery Store
Specialty Food Shops
Coffee & Tea Stores
Delicatessen
Donut Shop/Bagel Shop
Ice Cream/Yogurt/Juice Stores

Barber Shop, Beauty Salons and Day Spas
Cosmetic Stores

Appliances and Accessories – Installation, Service, or Repair – Residential, Light Commercial
Carpet, Rug, Furniture, or Upholstery Cleaning – On Customers’ Premises
Electrical Work – Within Buildings – Residential, Light Commercial
Fence Erection Contractors
Furniture or Fixtures – Installation, Service or Repair – Residential, Light Commercial
Heating or Combined Heating and Air Conditioning Systems or Equipment
Interior Decorator – Includes Home Staging
Painting Contractors – Residential, Light Commercial
Paperhanging
Plumbing – Residential, Light Commercial

Previous tab Next tab

Get the Apartment Owners Insurance Coverage You Deserve

Real Protection for Real Estate

Apartment owner insurance helps protect your property and your investment. At The MIA Group, we know your apartment is also a source of income, and we are committed to helping you find a policy that is best for you.

Below are a few customizable features to help address your apartment owners liability and apartment owners property insurance needs:

Building Coverage – Covers the building and structures at the described premises including: Garages, storage buildings, swimming pools, fences, retaining walls, both completed additions and additions under construction and other appurtenant structures. Building coverage also includes, owned personal property used to maintain or service the building and premises

Comprehensive General Liability – To help protect the insured against legal liability caused by bodily injury, property damage, personal injury, and advertising injury to others

Loss of Income – Covers the actual loss of business income caused by a suspension of operations because of covered accidental direct physical loss to the insured premises, including any extra expense incurred to the extent it minimizes the loss of income

Equipment Breakdown – Provides coverage for damage to covered property caused by mechanical breakdown of covered equipment, artificially generated current damaging covered equipment, explosion of steam boilers or loss of steam/hot water boilers

Ordinance and Law – Covers the loss of value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damage buildings caused by an insured loss

Data Compromise and Identity Restoration – Coverages work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft

Let our agents help you customize an apartment owner insurance policy for your business that is tailored to your needs.

Get the Church Insurance Coverage You Deserve

Church insurance and other religious organization insurance helps protect the many needs of your congregation.

The MIA Group recognizes that your place of worship is also the center of your community. That is why our advisors are committed to helping you find a reliable insurance plan to offer the protection you need.

Protection for Your Religious Organization and its Community

Below are a few customizable features of church insurance policy:

Building Coverage — Covers the main worship building, additional buildings owned and used by the Religious Organization, as well as any auxiliary structures
Comprehensive General Liability — Helps protect the insured’s legal liability caused by bodily injury, property damage, personal injury, and advertising injury to others
Personal Property — Coverage is necessary to insure the property located in the buildings
Counseling Professional — Provides coverage for the insured’s legal obligation to pay as damages because of injury caused by the rendering of or failure to render counseling services
Directors and Officers — Provides coverage for the insured’s legal obligation to pay as damages because of a wrongful act to which the endorsement applies
Data Compromise and Identity Restoration — Coverages work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft

In addition to your church insurance needs, you may also need commercial auto and workers compensation insurance.

Let our agents help you customize a plan that is tailored to your needs.

Get the Homeowner Association Insurance Coverage You Deserve

Residential community insurance, or homeowner association insurance, can be tailored to meet the specific needs of your building or property. Our advisors can help you select the right coverage.

Below are a few custom features available in the residential community insurance and homeowner association insurance policies:

Building Coverage — Covers the building and anything attached to it, i.e. fixtures, flooring and cabinets, as well as any Auxiliary Structures a Residential Community Association would have such as signs, fencing, garage(s), pool, and/or clubhouse
Comprehensive General Liability — Helps protect the insured against legal liability caused by bodily injury, property damage, personal injury, and advertising injury to others
Directors and Officers Liability — Protects members of the association board against claims alleging wrongful acts in carrying out their duties
Employee Dishonesty — Provides coverage in the event of a direct physical loss to Business Personal Property and money and securities caused by a dishonest act committed by an employee. If an association contracts someone to manage the property for them, i.e. a Property Management firm, the association would need to obtain a Fidelity Bond from the Bond Department
Ordinance and Law — Covers the loss of value and increased cost due to the enforcement of municipal laws or ordinances regulating the construction or repair of damaged buildings caused by an insured loss
Data Compromise and Identity Restoration — Provides coverages that work together to help your business and you get back on track after a data breach occurs or if you, the business owner, becomes a victim of identity theft

In addition to your property and liability insurance needs, you may also need commercial auto and workers compensation insurance.

Let our advisors help you customize a plan for your association that addresses your needs.

Get the Residential Community and Business Condominium Associations Insurance Coverage You Deserve

A Residential Community and Business Condominium Associations master policy can insure all the building and common elements under a single package policy.

A residential community and business condominium associations master policy typically provides coverage in one of four ways:

Insures the basic building(s) (walls, roof, floors, elevators, common areas outside of units) plus built-in heating, plumbing, or electrical fixtures, improvements, alterations, cabinets, interior walls and ceilings, wall coverings (such as paint, wall paper, or paneling), flooring (such as carpet, vinyl goods, or hardwood) and appliances.
Insures the basic building(s) (walls, roof, floors, elevators, common areas outside of units) plus built-in heating, plumbing, or electrical fixtures, improvements, alterations, cabinets, and interior walls and ceilings, but leaves the individual unit owners the responsibility of insuring wall coverings (such as paint, wall paper, or paneling), flooring (such as carpet, vinyl goods, or hardwood), and appliances.
Insures the basic building(s) (walls, roof, floors, elevators, common areas outside of units) plus built-in heating, plumbing, or electrical fixtures, cabinets, and interior walls and ceilings but leaves the individual unit owners the responsibility of insuring wall coverings (such as paint, wall paper, or paneling), flooring (such as carpet, vinyl goods, or hardwood), appliances, and improvements or alterations inside a unit which were not part of the original condominium plans or specifications.
Insures the basic building(s) (walls, roof, floors, elevators, common areas outside of units) but leaves the individual unit owners the responsibility of insuring built-in heating, plumbing, or electrical fixtures, cabinets, interior walls and ceilings, wall coverings (such as paint, wall paper, or paneling), flooring (such as carpet, vinyl goods, or hardwood), appliances, and improvements or alterations inside a unit which were not part of the original condominium plans or specifications.

When the residential community and business condominium associations insures the structure, a condo unit owner policy is normally written to cover:

Items not covered by the residential community and business condominium associations master policy that may be the insurance responsibility of the individual unit owners/tenants.
The value of building additions or alterations made by unit owners, at their expense.
Value enhancements (For example, if carpet is upgraded to quality that is better than the original, the difference would be covered in the event of loss).
Damage to individual units not assessed against all unitowners and not compensated because of the master policy deductible.

RESIDENTIAL COMMUNITY AND BUSINESS CONDOMINIUM ASSOCIATION BUILDING COVERAGE

Building coverage for Residential Community and Business Condominium Associations can be tailored to more closely meet the insurance responsibilities of the association as outlined in its by-laws.

Option 1 – Coverage for all building property is included as described in the policy.

If one of the following options is chosen, the Coverage A – Building amount of insurance should not include values for the building items not covered. No additional premium discount applies.

Option 2 – Coverage for building property excludes floor coverings, wall coverings, and appliances located within a condominium unit.

Option 3 – Coverage for building property excludes floor coverings, wall coverings, appliances, and improvements and alterations within a condominium unit.

Option 4 – Coverage for building property excludes floor coverings, wall coverings, appliances, improvements and alterations, and other inside building material, such as cabinetry and plumbing or heating systems, located within a condominium unit.

Option 5 – Coverage for building property will be excluded as specified in writing on the endorsement.

Building coverage is one of the more complex parts of insuring an association. You should discuss your needs fully with your advisor.

In some instances, the condo association master policy does not insure the structure. In this situation, a homeowner’s policy would be written for the unit owner, just as it would be for an insured person with a conventional home.