Preferred and Excluded Classes
Submitting Milnco Preferred Classes of Business = quicker turnaround time on your requests!
Milnco Preferred Classes of Business
Commercial Lines
- 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
- 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
Personal Lines - MB and SK only
- Homeowners
- Seasonal Homeowners (Also available in Northwestern Ontario)
- Condominiums
- Tenants Packages
- Stand Alone Rented Dwellings & Condominium Units
- Stand Alone Seasonal Dwellings (also available in Northwestern Ontario)
- Personal Umbrella (Stand Alone Umbrella not available)
Milnco Excluded Classes of Business - Commercial & Personal Lines
- Snow Removal Contractors with LESS than $400,000 Gross Revenue
- Recyclers and Garbage Collection
- Rooming Houses, Student Housing or Shared accommodations, Air BnB
- Cannabis related risks, including building ownership with tenant occupancy
- Vape/Ecig, Hookah or Sheesha operations or exposure
- Farming Operations, including Hobby Farms
- Transportation - Automobile, Fleets, Cargo
- Tire storage or retreading
- Liability for Night Clubs
- Alarm or Sprinkler Installation, maintenance or monitoring
- Personal Lines in all provinces EXCEPT MB and SK
- Personal Lines Automobile
