Client Industry

Testing Labs

State laws authorizing medical and adult/recreational uses of cannabis impose strict requirements, such as testing products for potency and purity. Millers Insurance Group offers coverage tailor-made for testing labs.

Suggested policies for testing labs include: General Liability, Equipment Breakdown, Business Owners Policy, Errors & Omissions, Business Interruption, Commercial Property, Cyber Liability, and Workers Compensation.

General Liability

Broad type of insurance policy that provides liability coverage for general business risks including personal injury, bodily injury, property damage caused by the business or its products.

Equipment Breakdown

Provides coverage for the costs of replacing damaged or broken equipment after a covered incident such as a power surge, electrical shorts, mechanical breakdown or burnout. 

Business Owners Policy

A business owners policy combines property and liability coverage into one package. It's popular among medium sized businesses such as retail stores, wholesalers and contractors.

Errors & Omissions

Typically known as E&O, this policy helps protect you from the cost of lawsuits that claim your business made a mistake in professional services such as court costs or settlement fees. 

Business Interruption

Insurance that covers the loss of income that a business suffers after a disaster, typically carrying with Virus-Exclusion clauses but this is a widely debated topic in the midst of COVID-19.

Commercial Property 

Coverage for the risk of disasters or other covered perils to your business property and equipment such as inventory, fixtures and furniture, point of sale equipment or other items used. 

Cyber Liability

A specialty lines policy that protects businesses from internet-based or cyber related risk to IT infrastructure, such as data destruction, hacking, extortion, theft or a denial of service attack.

Worker's Compensation

Insurance providing wage replacement and medical benefits to employees injured during employment in exchange for the employee's right to sue his or her employer for negligence.

Don't see the Policy you are looking for? We offer over 50 policies from 30 different carriers. If we can't find one for you, we can build a custom policy to suit your needs. 

As of May 2020, 101 lawsuits seeking coverage from COVID-19 damages have been filed in federal court with that number expected to climb into the thousands, according to Claims Journal. The 101 cases, which exclude suits filed in state courts, rally around determining whether COVID-19 should trigger business interruption coverage due to government mandated closures of businesses such as restaurants, beauty salons, daycares, and other storefronts... READ MORE