Phone/Online Quotes

Milnco Insurance has collaborated with United States Liability Insurance (USLI) to provide quick quotes on the below listed products - any way you prefer!

Phone Quotes in less than 5 minutes

  • Call 1-888-216-5838 for your Instant Quote!
  • Available Monday-Friday 1 am to 8 pm EST and Saturday 9 am to 1 pm EST

Online Instant Quotes

  • Available Online 24/7
  • Click on the product line to complete the online application!
  • Full Product descriptions and highlight sheets are found below this list in alphabetical order

1-4 Rented Family Dwellings

Allied Health (Day Spa services, Nutritionist, Mental Health Counselor, Social Worker, etc)

Apartments

Beer, Wine and Liquor Stores

Builders' Risk / Course of Construction

Convenience, Deli and Grocery Stores

Contractors Equipment

Fitness Centres (Health Clubs, Circuit Training, Yoga, Pilates studios, etc)

Hospitality (Restaurants, Bars, Microbreweries, Wine Bars, etc)

House of Worship (All Faiths and Denominations)

Janitorial Services

Land Leased to Others

Lessors/Landlords Only risks

Main Street Mercantile (Antique Stores, Appliance Stores, Book Stores, Nursery/Garden Stores, Laundry & Dry Cleaning Stores, etc.)

Not For Profits Directors & Officers

Office Package Risks (Auto Sales Office, Book keepers Office, Event Planner Office, etc)

Professional Liability / E&O (Accountants, Employment Agencies, Public Relations Consultant, etc)

Residential Condo/Strata Investors (Rental Condo/Strata Units)

Special Events

Specialty Educators, Trainers & Instructors (Dance Instructors, Personal Trainers, Tutoring, etc)

Technology Professionals (Software Development, Web Design, Consulting, Project Management, etc)

Trucking Liability

Vacant Land

Vacant or Partially Vacant Buildings

Wedding Plus (Special Event coverage)

Email

  • Complete applicable application and email to commercial@milnco.ca
  • Available Monday-Friday 8:30 am to 4:30 pm CST

Phone/Online Instant Quotes are not available for risks located in New Brunswick, Northwest Territories, Nunavut and Quebec.

For risks located in these locations (excluding Quebec), please email completed application to commercial@milnco.ca

1-4 Rented Family Dwellings

  • Tenant-occupied 1-4 family dwellings
  • Owner-occupied 2-4 family dwellings
  • Schedules of up to 50 locations including General Liability and Property
  • Replacement Cost for buildings up to 60 years of age
  • Coverage while property is under renovation
  • Loss of Rental Income coverage
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible

1-4 Rented Family Dwelling Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed 1-4 Family Dwelling Application to commercial@milnco.ca

Allied Healthcare

  • Eligible non-diagnostic services classes include, but are not limited to:
    • Beautician/Barber
    • Esthetician
    • Home health aide (non-medical)
    • Massage therapy
    • Health education
    • Mental health counseling
    • Social worker
  • New ventures are eligible
  • Available as mono line Errors and Omissions or as package with General Liability and Property
  • Errors and Omissions up to $2,000,000 occurrence/$5,000,000 aggregate
    • Errors and Omissions deductible starting at $0
  • General Liability available up to $2,000,000 occurrence/$5,000,000 aggregate
  • Business Personal Property up to $500,000 in most jurisdictions

Allied Healthcare Highlight Sheet

Athletic and Physical Training Therapist Supplemental Application

Day Spa Services Massage Therapist Supplemental Application

Dietician Nutritionist Supplemental Application

Mental Health Counsellor Therapy Services Supplemental Application

Miscellaneous Classes Supplemental Application

Social Worker Supplemental Application

Call 1-888-216-5838 for phone quote

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Email completed Allied Healthcare Application to commercial@milnco.ca

Apartments

  • Residential dwelling with five or more units
  • Apartment buildings with one or multiple locations
  • Up to 100 units per building/500 units per policy
  • Mixed use buildings with a commercial and residential exposure
  • Replacement Cost is available for buildings up to 60 years of age
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible

Apartment Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Apartment Application to commercial@milnco.ca

Beer, Liquor and Wine Stores

  • Eligible risks include beer, liquor, spirits and wine Stores
  • Assault and battery coverage available
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible
  • Liquor Liability up to $1,000,000 occurrence/$2,000,000 aggregate

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Beer Liquor Wine Store Application to commercial@milnco.ca

Builder's Risk - Course of Construction

  • Residential including modular home projects and commercial projects
  • Policy written for owner or contractor
  • Property limits
    • Up to $3,000,000 in FUS Grades 1-8
    • Up to $1.5 million for frame construction
    • Up to $500,000 in FUS Grades 9-10
    • Up to $1,000,000 in coastal zones (excluding wind and hail coverage)

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Builders Risk New Construction Application to commercial@milnco.ca

Convenience, Delicatessen & Grocery Stores

  • Eligible risks include
    • convenience & grocery stores (liability only)
    • delicatessens
    • liquor stores
    • meat, poultry and seafood stores
    • health food stores
  • Ability to consider risks with
    • up to $2,000,000 in revenue
    • alcohol sales
    • gasoline sales (no propane sales)
    • self-service car wash
  • Assault and battery coverage available
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible
  • Liquor Liability up to $1,000,000 occurrence/$2,000,000 aggregate

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Convenience Deli Grocery Stores Application to commercial@milnco.ca

Contractors Equipment Coverage

  • Provides broad, all risk coverage on an inland marine form
  • Available for a wide range of equipment including the following but not limited to:
    • Farming
    • General Contractors
    • Grading, paving, excavating
    • Irrigators
    • Landscaping and trim trimmers
    • Plumbing
  • Up to $1,000,000 total insured value

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Contractors Equipment Application to commercial@milnco.ca

Fitness Centre Product

  • Health clubs, gyms, circuit training, yoga, and Pilates studios
  • Risks with up to $2,000,000 in annual sales, four sport courts and four tanning units
  • Personal trainers covered for no additional premium
  • Child sitting services covered for no additional premium
  • Limited tanning bed liability coverage available
  • Abuse and molestation is included
  • Professional liability coverage provided for no additional charge
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Fitness Centre Application to commercial@milnco.ca

Hospitality - Bars and Restaurants

  • Broad appetite and eligibility for risks including
    • Bars, sports bars, taverns and wine Bars
    • Breweries and micro breweries
    • Licensed and non licensed restaurants
    • High-end restaurants featuring an extensive wine bottle list
    • Fast food restaurants, food court restaurants and diners
  • New ventures acceptable
  • Alcohol receipts up to 100 percent
  • Nightclubs - property coverage only available
  • Employing bouncers, security or doorpersons acceptable
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible
  • Liquor Liability deductible is $0
  • Assault or battery coverage included or offered as a buyback option

Hospitality - Bar Highlight Sheet

Hospitality - Restaurant Highlight Sheet

Call 1-888-216-5838 for phone quote

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Email completed Bar or Restaurant Application to commercial@milnco.ca

Houses of Worship

  • All faiths and denominations
  • Organizations involved in certain activities such as
    • Food banks, soup kitchens and thrift stores
    • Mission work and retreats
    • Prison ministries
  • Fundraisers, special events and outreach activities are automatically included
  • Pastoral professional coverage available
  • Emotional distress and mental anguish is included
  • Abuse and molestation is included
  • Directors and Officers and Employment Practices Liability
    • Third party sexual harassment and discrimination automatically included
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible

Houses of Worship Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Houses of Worship Application to commercial@milnco.ca

Janitorial Services

  • Commercial, office or residential cleaning services
  • Ancillary operations such as lawn maintenance and landscaping, incidental interior painting and carpet and window cleaning
  • Up to 20 employed workers and can consider subcontracted cleaning services
  • Ability to consider new ventures
  • General Liability up to $5,000,000/$5,000,000
    • No General Liability deductible
    • Broad Form Property Damage Extension up to $5,000/$25,000
  • Employee Theft coverage up to $100,000/$200,000
  • Contractors' Equipment coverage - $2,500 per item/$10,000 any one loss
  • Rental Reimbursement coverage - $250 per day/$5,000 any one loss
  • Lost key coverage included
  • Property coverage available

Janitorial Services Highlight Sheet

Call 1-888-216-5838 for phone quote

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Email completed Janitorial Services Application to commercial@milnco.ca

Land Leased to Others

  • Risks with up to 1,000 acres per location
  • Risks with lakes or ponds up to 25 acres
  • Land which will be developed after our term is eligible
  • Small structures used for the maintenance of the land are allowed
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible
  • Flexible policy terms of 3, 6, 9 or 12 months

Land Leased to Others Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Land Leased to Others Application to commercial@milnco.ca

Lessor's Risk/Landlord Only Product

  • Applicant is the owner of all properties
  • Risks with up to 100,000 square feet per location
  • Any building height (over seven stories must have full sprinkler system)
  • Property limits
    • Up to $3,000,000 for FUS Grades 1-8 (coastal zones exclude wind and hail coverage)
    • Deductible starts at $1000
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Lessors Only Application to commercial@milnco.ca

Main Street Mercantile

  • Risks with revenues up to $3,000,000
  • More than 100 eligible classes including, but are not limited to:
    • Antique stores, collectible and memorabilia stores
    • Bakeries, Ice cream stores and candy stores
    • Discount stores, gift shops and variety shops
    • Florists, jewellery stores and music Stores
    • Furniture stores, sporting goods, floor covering stores
  • New ventures are eligible
  • Mixed mercantile occupancies can be considered
  • Value Endorsement available
  • Electronic Data and Interruption of Computer Operations coverage available
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • General Liability deductible is $0
  • Property deductible starts at $1,000

Main Street Mercantile Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Main Street Mercantile Application to commercial@milnco.ca

Not For Profit Directors and Officers

  • Tailored to safeguard against the exposures these Directors and Officers face
  • Eligible classes include, but are not limited to:
    • Assisted living facility, assistance care centre, hospice, nursing and retirement home
    • Boys and Girls clubs, Big Brother/Big Sister, YMCA/YWCA
    • Day care centres, preschool, montessori and private schools
    • Church, Temple, Synagogue and Mosque
    • Charity groups, clubs and member organizations
  • Separate limits for Directors and Officers and Employment Practices Liability claims
    • Directors and Officers Liability up to $5,000,000
    • Employment Practices Liability up to $5,000,000
  • Defense outside the limits
  • Full prior acts coverage
  • Third-party sexual harassment and third-party discrimination coverage
  • Coverage for both monetary and non-monetary claims included
  • Optional Fiduciary Liability coverage
  • Retentions start at $0

NFP Directors and Officers Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Nonprofit Management Liability Policy Application to commercial@milnco.ca

Office Preferred Package Product

  • Risks with revenues up to $3,000,000 per location
  • Eligible risks include (but not limited to)
    • accountants and bookkeepers
    • bill payment services
    • data base management
    • real estate agents/consultants
  • Premiums starting as low as $400
  • Property limits
    • Up to $5,000,000
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible
  • Professional liability $25,000 sub limit is included at no charge for 21 designated classifications

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Office Preferred Package Application to commercial@milnco.ca

Professional Liability / E&O

  • Risks with revenues up to $20,000,000
  • Over 100 unique classes of business including, but not limited to:
    • Accountants, audit services (non-financials), book keepers and tax preparer
    • Billing services, bill payment service, financial planner
    • Consultants including energy consultant, forestry consultant, human resource consultant, marketing consultant
    • Interior designer, graphic designer, exhibit designer
    • Pet groomer, pet trainer
    • Travel agents and tour operators (restrictions apply)
    • Wedding planner, event/meeting planner
  • Defense costs outside the limit of liability
  • Full prior acts coverage available for first-time purchasers
  • Worldwide coverage for wrongful acts subject to claim made within Canada, U.S. and its possessions
  • Option to package Errors and Omissions with General Liability and Property (for most risks)
  • Errors and Omissions up to $5,000,000 occurrence/$5,000,000 aggregate
    • Errors and Omissions deductible is $0
  • General Liability available up to $5,000,000 occurrence/$5,000,000 aggregate
    • General Liability deductible is $0
  • Business Personal Property up to $250,000
    • Property deductible is $1,000
  • Business Income up to $50,000

Specified Professions Errors and Omissions Highlight Sheet

Call 1-888-216-5838 for phone quote

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Email completed Specified Professions Professional Liability Application to commercial@milnco.ca

Residential Condo/Strata Investors

  • Risks with up to 100 units per policy
  • Units leased on an annual or seasonal basis
  • Improvements and betterments (limits of $5,000 per unit/$50,000 aggregate) included at no additional charge
  • Loss of rents (limits of $6,000 each unit/$60,000 aggregate) included at no additional charge
  • Loss assessment (up to $50,000 per unit)
  • Property Limits
    • values up to $1 million per unit, $3 million per location
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Res Condo Strata Investors Application to commercial@milnco.ca

Special Events

  • Over 100 event types liability for one-day, multi-day or annual event policies including, but not limited to
    • Competitions, Sporting events, Rodeos and Tournaments
    • Parties, Gala's, Parades and Picnics
    • Festivals, Concerts and Musical performances
    • Fundraisers, Toy Drives and Car Shows
    • Conventions, Seminars and Trade shows
  • For wedding events, please see our "Wedding Plus" product below
  • Separate limits for General Liability and Liquor Liability
  • General Liability limits up to $2,000,000/$5,000,000
    • Optional General Liability limits up to $5,000,000/$5,000,000
    • No General Liability deductible
  • Liquor Liability limits up to $1,000,000/$3,000,000
    • No Liquor Liability deductible
  • Automatic coverage for volunteers, temporary or leased workers and committee members
  • Property owner can be included as an additional insured at no additional charge
  • Set-up and take-down coverage available
  • Rain date coverage available for events rescheduled due to inclement weather
  • Coverage for damage to rented premises
  • Coverage extends for events lasting past midnight for no additional premium

Special Events Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Special Event Application to commercial@milnco.ca

Specialty Educators, Trainers and Instructors

  • Risks with revenues up to $3,000,000 in annual sales and 25,000 square feet per location
  • Eligible businesses include (but not limited to)
    • athletics
    • bartending
    • dance
    • personal trainers
    • tutoring centers' and in home tutors
  • Professional liability included at a limit equal to the general liability on select classes
  • Abuse and molestation liability up to $1,000,000 on most classes
  • Property limits
    • Up to $3,000,000 in FUS grade 1-8
    • Up to $2,000,000 in FUS grade 1-8 (frame and no sprinklers)
    • Up to $1,000,000 in FUS grade 9-10
    • Up to $1,000,000 in coastal zones (excluding wind and hail coverage)
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Specialty Education Application to commercial@milnco.ca

Technology E&O

  • Risks with revenues up to $20,000,000
  • Eligible classes include, but are not limited to:
    • Application and software service providers and cloud providers
    • Software development, installation and sales
    • Computer software and hardware manufacturers
    • Systems or network evaluation, design, cabling and support
    • Web design, development, hosting or search engine optimization
    • Consulting, training, project management and staffing
    • Data or records storage, retrieval or back up, database administration
    • Hardware evaluation, selection and maintenance
  • New ventures are eligible
  • Available as monoline Errors and Omissions or as package with General Liability and Property
  • MicroTek policy includes coverage for Personal Injury, Network Security Liability and Privacy Liability
  • SuperTek policy includes coverage for Media Liability, Network Security Liability and Privacy Liability
  • SuperTek policy provides access to business solution vendors for all policyholders including:
    • Human resources services
    • Pre-employment and tenant screenings
    • Identity theft protection
    • Policyholders receive free access to eRisk Hub
  • Errors and Omissions up to $5,000,000 occurrence/$5,000,000 aggregate
    • Errors and Omissions deductible starting at $0
    • Deductible options are available up to $25,000
  • General Liability available up to $5,000,000 occurrence/$5,000,000 aggregate
    • General Liability deductible is $0
  • Business Personal Property up to $500,000 in most jurisdictions
    • Property deductible is $500
  • Business Income up to $250,000

SuperTek Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Technology Professional Application to commercial@milnco.ca

Truckers Liability Product

  • Risks with up to 20 trucks
  • Eligible businesses include (but not limited to)
    • Coal haulers
    • Construction equipment haulers
    • Dump trucks
    • Express companies
    • Long haul trucking
    • Sand and gravel
    • Refrigerated transport
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Truckers Liability Application to commercial@milnco.ca

Vacant Land

  • Risks with up to 1,000 acres per location
  • Risks with lakes or ponds up to 25 acres
  • Land which will be developed after our term is eligible
  • Small structures used for the maintenance of the land are allowed
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible
  • Flexible policy terms of 3, 6, 9 or 12 months

Vacant Land Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Vacant Land Application to commercial@milnco.ca

Vacant and/or Partially Vacant Buildings

  • Vacant commercial and residential buildings, condo units, rental space
  • Vacant buildings undergoing renovations or remodeling
  • No restriction on length of vacancy
  • General Liability up to $5,000,000 occurrence/$5,000,000 aggregate
    • No General Liability deductible
  • Flexible policy terms of 3, 6, 9 or 12 months

Vacant Buildings Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Vacant Building Application to commercial@milnco.ca

Wedding Plus

  • General Liability and Liquor Liability for a wedding with comprehensive coverages including
    • Rehearsal dinner and brunch the day after the wedding
    • Damage to wedding attire
    • Lost deposit coverage
    • Cancellation or postponement coverage
  • Separate limits for General Liability and Liquor Liability
  • General Liability limits up to $5,000,000/$5,000,000
    • No General Liability deductible
  • Liquor liability limits up to $3,000,000/$3,000,000
    • No Liquor Liability deductible
  • Set-up and take-down coverage available

Wedding Plus Highlight Sheet

Call 1-888-216-5838 for phone quote

Click here for online instant quote

Email completed Wedding Plus Special Event Application to commercial@milnco.ca

Unite Interactive