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
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:
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:
Let our agents help you customize an apartment owner insurance policy for your business that is tailored to your needs.
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.
Below are a few customizable features of church insurance policy:
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.
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:
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.
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:
When the residential community and business condominium associations insures the structure, a condo unit owner policy is normally written to cover:[/li]
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.