Preferred and Excluded Classes

Submitting Milnco Preferred Classes of Business = quicker turnaround time on your requests!

Construction/Contractors - small to mid size contractors, including but not limited to:
- Builders' Risk/Course of Construction
- Carpenters
- Concrete/Masonry
- Electricians
- Excavation
- HVAC/Plumbers
- Road Builders
- Sheet metal
- Welders
- Snow Removal Contractors - excluding public roads
  - minimum premium $19,500 AB, BC, MB, SK
  - minimum premium $32,500 ON
  - minimum $400,000 snow removal gross receipts

Excess and Umbrella Liability
- Stand Alone available
- Excess Liability for Hospitality risks

Hospitality
- Breweries and Micro Breweries
- Hotels/Motels (FUS 1-7)
- Licensed and unlicensed restaurants
- Pubs, Lounges, Sports bars

Manufacturing, including but not limited to:
- Bakeries
- Food & beverage
- Frozen foods
- Furniture
- Machine shops
- Metal products manufacturing
- Woodworkers' (FUS 1-4, sprinklered with dust collection system)

Residential Realty
- Apartments acceptable (Residential Condominiums are not a target class)

Retail, including but not limited to:
- Convenience stores
- Gas stations
- Mercantile

Snow Removal Contractors with LESS than $400,000 Gross Revenue and excluding public roads
Recyclers and Garbage Collection
Rooming Houses, Student Housing or Shared accommodations, Air BnB
Cannabis related risks, including building ownership with tenant occupancy
Hookah or Sheesha operations or exposure
Vape/Ecig operations (if 100%)
Farming Operations, including Hobby Farms
Transportation - Automobile, Fleets, Cargo
Tire storage or retreading
Liability or Excess Liability for Night Clubs
Alarm or Sprinkler Installation, maintenance or monitoring
Personal Lines in all provinces EXCEPT MB and SK
Personal Lines Automobile