MGT offers a comprehensive product that combines business liability with property coverages. Additional coverage endorsements are also available to meet the insurance needs of small to mid-sized businesses. Policyholders and their agents are provided access to a self-service portal where they can view and print policy documents, manage premium payments, and file and monitor claims.

BUSINESS LIABILITY:

  • Limits of $1M Occurrence/$2M Aggregate (includes products/completed ops).
  • Cyber liability available up to $100k.*
  • Hired & Non-Owned Auto available.*
  • Employment Practice Liability, Employee Benefits Liability available.

PROPERTY:

  • Up to $2M TIV per building (excluding contents).
  • Up to $2M Contents limit available.
  • Business income, debris removal, water back-up and many more coverages included.
  • Equipment breakdown and spoilage available.

GL UNDERWRITING FOCUS:

  • Annual revenue less than $3m ($5m for Offices).
  • Single class operations.
  • No 24-hour operations.
  • Home-based businesses eligible (contents only).

PROPERTY UNDERWRITING FOCUS:

  • Well maintained properties in good overall condition (Special Form only; 100% ITV required).
  • Vacant buildings are ineligible.
  • Buildings under construction at new business are ineligible (Builder’s risk not available).
  • Buildings must be scheduled to be covered (no blanket building limits).
  • Not a market for Atlantic/Gulf coastal, Pacific quake, high wildfire hazard or flood.

Submission requirements:

Ability to quote and bind on-line, real time. Policy effective date must be 1-45 days in the future. All operations must be w/in the same state, commercial space must be less than 35k square feet and applicants must have fewer than 3 paid claims in the previous 5 years. Direct bill premiums due at the time of bind; quarterly and annual payment plans available.

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State Availability

Available for BOP
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Coming Soon
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Property coverage

Buildings and other structures
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We cover the things that help keep you doing your good work.
Business personal property
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We know that your business is more than just a building, which is why our policy covers your personal property, too.
Additional included coverages
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Because our policy was built with you in mind, a number of additional coverages are included at no additional cost.
Add-on coverages
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Further customize your policy to include higher coverage amounts or add-on coverage specific to your needs.

Liability coverage

General liability
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Provides coverage for your business, employees and volunteers against claims of negligence.
Medical
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Provides coverage for medical expenses regardless of fault.
Add-on coverages
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Further customize your policy to include higher coverage amounts or add-on coverage specific to your needs.

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