Industry Focus

Auto Dealer Program

When you partner with Midwest Insurance Group, you’re not just partnering with one person, you’re partnering with an entire agency that understands Auto Dealers. MIG knows how to minimize your financial risk, but more importantly, our staff knows how to solve the risk-related problems your industry faces.

As a WATDA Member, we take great pride in offering your industry premium service levels and unparalleled coverage offerings through our Auto Dealers Program.

Key Auto Dealers Program Features:

  • Competitive premiums without the sky-high wind/hail aggregate deductibles you typically see from other brokers and carriers
  • Agents and agency staff that work with auto dealers on a daily basis
  • Mechanics Errors & Omissions
  • Employment Practices Liability
  • Dealer Repair Costs
  • False Pretense
  • Priority service through our Award Winning Service Staff
  • Industry leading Risk Management and Claims Management
  • Multiple AM BEST ‘A’ Rated insurance carriers that accept ALL LINES OF DEALER COVERAGES.

 

ONE COMPANY, ONE BILL, ONE AUDIT, ONE AGENT – Midwest Insurance Group

Auto Aftermarket Program – Auto Repair & Auto Body

There are many insurance agencies to choose from that can place your business with a reputable insurance carrier, however, there very few agencies that understand and utilize the coverages made available by those insurance companies that can seal the major gaps that a standard auto repair insurance policy comes with. Midwest Insurance Group’s staff have been used as a coverage resource by insurance carriers to help put together their insurance program for auto repair services.

For businesses that specialize in Auto Repair – whether working with passenger autos or heavy trucks – there is another level of specialization above and beyond the typical insurance brokerage that Midwest Insurance Group can bring to you.

Key Auto Aftermarket Program Features:

  • Agents and agency staff that work with the auto repair industry on a daily basis
  • Mechanics Errors and Omissions
  • False Pretense
  • The opportunity to earn dividends on all lines of coverage, not just Workers Compensation
  • ‘No Limit’ Actual Loss Sustained coverage on Customers Autos
  • Employment Practices Liability including 3rd Party Coverage
  • Loaner Vehicle program review
  • Priority service through our Award Winning Service Staff.
  • Industry leading Risk Management and Claims Management
  • Multiple AM BEST ‘A’ Rated insurance carriers that accept ALL LINES OF AUTO REPAIR COVERAGES

Construction & Artisan Contractors Program

You work hard to maintain your business’s projects, schedules, employees and payroll. Wouldn’t it be a relief to work with an agency that can appreciate that? How about an agency that is knowledgeable, reliable and possesses a strong work ethic?

Certificates, Additional Insured Endorsements, Primary & Non -Contributory Status, Waivers of Subrogation, Contract Reviews, Bid Bonds, Performance Bonds — We understand it all and we make things happen quickly and efficiently every day; so when your crew steps on the jobsite your coverage and anyone you need to protect is taken care of.

Many agents don’t do enough to help you reduce or control your workers compensation costs. One of the biggest factors is your Experience Modification Rating (EMR). Controlling your EMR is the key to controlling your insurance costs. We will put you in a position of control by reviewing your EMR to ensure accuracy and help improve safety programs to reduce your number of losses.

Whether you are a large construction firm looking for assistance in risk control to supplement your current program or hands-on, locally based electrician, we have effective and proven tools and staff of knowledgeable professionals to help your business contain those costs.

Key Contractors Program Features:

  • Construction contract reviews
  • Fast, accurate certificate handling
  • The opportunity to earn dividends on all lines of coverage, not just Workers Compensation for many classifications of contractors
  • Agents and agency staff that work with contractors on a daily basis who understand that your ability to put your workers on the jobsite can often depend the work your agent is doing to put you in compliance with your
  • Contractors Errors & Omissions
  • Environmental and Pollution Liability
  • Owners and Contractors Protective Liability
  • Wrap-Up
  • Bid Bonds and Performance Bonds
  • Employment Practices Liability
  • Electronic OSHA Log
  • Priority service through our Award Winning Service Staff
  • Industry leading Risk Management and Claims Management
  • Multiple AM BEST ‘A’ Rated insurance carriers that accept ALL LINES OF CONTRACTOR COVERAGES.

Manufacturers Program

Manufacturers can spend a lot of money to insure their risk. Often, the insurance coverage that is sold to manufacturers is as basic as the coverage that would be provided to a retail store. That’s why it is critical to work with an agency that knows the exposures you face and the coverages that are available to protect you from financial losses on products – even after your product has been sold.

Our Manufacturing Niche Market Program offers competitive pricing and Best-In-Class coverage offerings for the following:

• Food and Beverage
• Metal Products
• Plastic Products
• Wood Products
• Equipment and Machinery Manufacturers

Though the above manufacturing classes are our specialty, we offer top tier insurance solutions for even the toughest classes of manufacturing businesses and make sure that each business is underwritten on their own merits.

Key Manufacturers Program Features:

  • Agents and agency staff that work with the manufacturing industry on a daily basis
  • Selling Price Valuation on Stock
  • Patterns, Dies and Molds including Patterns, Dies and Molds of Others in your Care
  • Product Recall including Suspected Defect
  • Consequential Loss Assumption coverage
  • Brands and Labels
  • Deferred Payments
  • Contractual Liabilities
  • Electronic OSHA Log
  • An industry-best offering of Manufacturers Errors and Omissions coverage options from our stable of Regional, National and Specialty Carriers.
  • Employment Practices Liability including 3rd Party Coverage
  • Priority service through our Award Winning Service Staff.
  • Industry leading Risk Management and Claims Management
  • Multiple AM BEST ‘A’ Rated insurance carriers that accept ALL LINES OF MANUFACTURING COVERAGES

Wholesale Distributors Program

One of your main suppliers suffers a fire loss and is unable to provide you with the stock your customers need now.  It’s a dilemma that no distributor want to face, but it happens. Your supplier’s loss is now going to cost you valued customers and a saddle you with a shortage of sellable stock for the near future. Hopefully, your agent provided you with enough Contingent Business Interruption coverage!  Contingent Business Interruption is just one example of crucial coverage overlooked by insurance agents.  This coverage will cover your lost profits as well as expediting expenses to quickly obtain stock from another supplier to keep your customers happy.

When is the last time your agent talked to you about your product liability?  Normally, that is the manufacturer’s liability.  But if you are installing or servicing or using your own label, that product liability and could fall on your business.  And, if the manufacturer is poorly insured or is financially unstable, your business could be on the hook for a portion of a product recall as well as product liability.

Your customers depend on you to provide product to keep their businesses running.  Keep your business and profits protected through Midwest Insurance Group’s Wholesale Distributor Programs.

Key Wholesale Distributor Program Features:

  • Agents and agency staff that work with the wholesale distributor industry on a daily basis
  • Selling Price Valuation on Stock
  • Product Recall including Suspected Defect
  • Consequential Loss Assumption coverage
  • Brands and Labels
  • Foreign Products Liability
  • Deferred Payments
  • Contractual Liabilities
  • Electronic OSHA Log
  • An industry-best offering of Manufacturers Errors and Omissions coverage options from our stable of Regional, National and Specialty Carriers.
  • Employment Practices Liability including 3rd Party Coverage
  • Priority service through our Award Winning Service Staff.
  • Industry leading Risk Management and Claims Management
  • Multiple AM BEST ‘A’ Rated insurance carriers that accept ALL LINES OF WHOLESALE DISTRIBUTOR COVERAGES

Food & Beverage Insurance

Insurance for Restaurants, Bars & Taverns, Breweries & Distilleries

Whether you operate a restaurant, bar or tavern, brewery or distillery, you need an agency that understands the various exposures that you will face on a day to day basis.

The extremely high level of competition in the food and beverage industry makes it imperative to have a plan in place should a loss occur. The specialized insurance professionals at MIG, combined with our risk management consultant allow our clients to rest assured that their needs have been met and that their operations will continue with minimal downtime should a loss occur.

Together, we can create a program that helps you meet your risk management initiatives, so you don’t just survive, but thrive in this competitive marketplace.  Our services are unique.  Discover why hundreds of companies make Midwest Insurance Group their broker of choice.

Trucking & Transportation Insurance

Midwest Insurance Group works with some of the nation’s top insurance carriers to develop coverage strategies that minimize costs and maximize coverage levels.

We have a full team of committed industry professionals on staff to service your fleet and work with one man owner-operators as well as larger company with larger fleets.

As part of our strategy, Midwest Insurance Group helps you reduce downtime through tailored trucking employee safety manuals, fleet policies, DOT and FMCSA compliance, commercial driver Quickstart guides and return to work policies.  All provided at no cost to our clients.

Fitness, Sports & Recreation Insurance

Through Fitsecure Insurance, a division of Midwest Insurance Group

FITSECURE INSURANCE GROUP

Habitational & Commercial Real Estate – Condominium Associations, Apartments, Real Estate

Owning and managing real estate may seem easy, but anyone who owns and manages real estate can tell you that navigating the purchase, management of tenancy and sale of properties gets pretty complicated.   All work involved is significantly impacted by your insurance coverages.  Many property managers are unaware of vacancy clauses in their property insurance – which either exclude or severely limit coverage if your property is considered vacant – and many companies have different definitions of what a vacant property is.  In other words, if you purchase a property and don’t discuss the occupancy percentage, you may be purchasing worthless insurance!

MIG knows the challenges faced by landlords and condo and homeowners associations.  We work with you to secure and maintain a comprehensive, cost-effective insurance program tailored to your needs.

We develop customized risk management solutions for clients of all sizes and complexities. Our agency works extensively with:

  • Homeowners Associations
  • Condo Associations
  • Commercial Real Estate
  • Large apartment complexes as well as single family rental dwellings
  • Vacation Rentals
  • Developers
  • Builders Risk

We provide a full range of casualty insurance, integrated property, and risk management services. These include reviewing insurance provisions in association documents and interpreting new legislation, as well as ensuring that your program meets the latest regulations and requirements.

Nonprofit & Social Services Insurance

Similar to for-profit organizations, non-profits face a variety of risks. But the risks and circumstances of non-profits can at times differ significantly from those faced by many commercial enterprises. Our experience allows us to more efficiently and effectively address these issues so that our non-profit clients can focus on their mission.

Aside from your general liability, the following are coverages are crucial to the financial well-being of your organization:

  • Management Liability for Directors & Officers
  • Crime coverage
  • Fiduciary Liability
  • Professional Liability
  • Physical & Sexual Molestation
  • Volunteer Participation Accidental & Medical Expenses

MIG will work with you to implement effective solutions to reduce risk exposures and ensure that solutions will work as intended. We offer in-depth claims analysis so that loss prevention services can be integrated into your risk control programs.